This paper examined the determinants of Small and Medium Enterprises (SMEs) growth in the Tamale Metropolis, Ghana using logistic regression. Growth was measured based on three key performance indicators of gross profits, employment and asset levels. Logistic regressions were estimated to identify the determinants of growth for each of the performance indicators. A survey was conducted on 199 women owned enterprises in the Tamale Metropolis of Ghana that had accessed micro credit from 2010 -2014. The relationship between the performance indicators and a set of explanatory variables grouped into entrepreneur characteristics, business profile, loan and banking profile and enterprise size were considered. The results showed that entrepreneur characteristics and business profile Business and Economic Research ISSN 2162-4860 2016 www.macrothink.org/ber 325 significantly predicts the growth in gross profits of the SMEs. Specifically the person(s) put in charge of the day-to-day running of the business enterprise had a significant relationship with the growth in gross profit of the enterprise at the 1% significance level whilst household size of entrepreneur was significant at the 5% level. However, employment and asset growth were not significantly predicted by the explanatory variables at both the 1 and 5 % levels.

<p>Despite the vital role of women entrepreneurs in the economic development of their families and countries, it has been revealed that they have low business performance compared to their male counterparts. In this paper, an analysis of the business profile and entrepreneurial characteristics of women owned Small and Medium Enterprises in the Tamale Metropolis has been carried out. A cross-sectional design was used to collect quantitative and qualitative data from a variety of women entrepreneurs. Women entrepreneurs who have benefited from microcredit were selected using simple random sampling. They were then categorized based on their economic activities. The study found that, the level of education of the respondents was generally low; over 69% had no formal education, 20% had primary education, 9.5% had secondary and 1% had tertiary education. Furthermore, 54.2% of the enterprises were managed by the entrepreneurs’ themselves whiles 7.8% were run by the owner and other non-family employees. Also Only about 3% of the businesses surveyed were registered.</p>

This study analyses the drivers that impact innovation on offshore wind energy for a select group of countries, applying the quantile and GMM approaches for a period between 2010-2019. The OLS results from the quantile analysis say the log of trademark, Carbon emissions, offshore wind capacity, and electricity from renewable energy are significant and impact on innovation regarding offshore wind energy. Generally, the Breusch-Pagan / Cook-Weisberg test for heteroskedasticity test reveals the variables have a constant variance, confirming the robustness of the findings. The quantile regression depicts that at 25 th and 75 th quantiles levels, the log of trademark, the log of trade flows, the log of scientific and technical journals quantile coefficients is significantly different from zero and exhibit varied effects on the explained variable patent.Similarly, the analysis applied the IV-GMM estimation in ivreg2 to identify the over restrictions, the Hansen J statistic, and give the robust moment of conditions analysis. The findings are consistent with prior analysis with the log of trademark, the log of offshore wind capacity, the log of carbon emissions, Scientific and technology journals, the log of patent, electricity from renewables to be significant and impact on innovation.The robustness was done on the GMM models, by applying the Huber-White-Sandwich estimator of the variance of the GMM linear models approximators. The ivreg2 robust analysis revealed that the estimates are efficient for homoskedasticity and Statistics robust to heteroskedasticity.Ultimately, the interaction term ''cross'' came out significant in the analysis. Signifying the importance of the interaction variables in scaling innovation. This study will sever as a reference document for policy formulators regarding scaling up innovation for offshore wind energy.

Insurance can be seen to be a mechanism of risk transfer as well as a platform for investment to conserve against losses, providing a peaceful mind. In the insurance market, we have non-life and life insurance firms usually referred to as insurers and the individuals who own the insurance policy are called policy holders. Data Envelopment Analysis was used to assess the technical, scale and overall efficiencies of some life insurance firms in Ghana from 2010 to 2013. Commission, management expenses and capital were taken as inputs by insurance firms to yield claims, investment income and net premiums as outputs. This study showed that life insurance firms in Ghana functioned averagely at a technical efficiency of 88%, an average scale efficiency of 93% and an average overall efficiency of 82%.This clearly revealed that scale efficiency was largely responsible for the efficiency of life insurers instead of technical efficiency (managerial skills). The effects of dimension and market share on life insurer efficiency were established using the Mann Whitney U test. The study showed that market share significantly results in high life insurer efficiency, which agrees with previous studies in the insurance industry [1,2]. Large insurers did not automatically lead to greater efficiency than small insurers in terms of capital-this result differs from that of [2] where general insurance firms in Ghana that have larger dimension led to higher efficiencies.

The study sought to establish some algebraic properties of the Chinese Remainder Theorem. The Chinese Remainder Theorem is an ancient but important mathematical theorem that enables one to solve simultaneous equations with respect to different modulo and makes it possible to reconstruct integers in a certain range from their residues modulo to the pairwise relatively prime modulo and also construct libraries for manipulations on very large integers. The study seeks to find out some real life applications of the Chinese Remainder Theorem in our everyday life activities especially in trading and in information security and retrieval avoiding any leakages to invaders or intruders. The study presented proofs of some theorems vital in the real life applications of the Chinese Remainder Theorem. In the study, we identified that in the statement of the Principal Ideal Domain and that of Rings can be classified as some algebraic properties of the Chinese Remainder Theorem.