Organisational commitment is very important for employees of every organisation. The construct has been much researched because of its impact on performance. The objective of the current study was to find out the relationship between organizational commitment and demographic variables (gender, age, qualification, experience and marital status) in Ghana. A descriptive correlation survey was employed in the study. Questionnaire was the main instrument used to gather the data for the current study. A total of 206 employees were randomly selected from 10 branches of a commercial bank in Ghana. The results showed that majority of the employees were moderately and highly committed with male workers recording the highest level of commitment compared to their female counterparts. The study further indicated that, there is evidence of significant relationship between organizational commitment and demographic variables (gender, age, qualification, experience and marital status). In conclusion, some of the organisational policies should be geared towards the improvement of employees' commitment in order to enhance their performance.

It has been established that Small and Medium enterprises (SMEs) play significant roles in the economic development of most countries in terms of job creation, innovation of new ideas, contribution to Gross Domestic Product and welfare, but the ability of SMEs to implement growth and developmental programs highly depend on access to external finance among other factors. Against this backdrop, the persistence citing of limited access to finance by SMEs in the Sub-Saharan African countries which places impediments on their business activities is worrisome to both the entrepreneurs and the State. In spite of several efforts by various governments and relevant institutions in rolling out support policies and initiatives in making access to external finance by SMEs more accessible, the problem still persist and SMEs maybe are yet to reap the full benefits from such initiatives. This research work does not rule out the fact that there exist alternative ways of financing SMEs outside the formal financial system, but this research focuses on the accessibility of the informal financial systems, with much emphasis on family and friends, their effectiveness, and how to meet the criteria for accessing the finance. The results show that SMEs that meet the requirements (trust, reputation, relation (family affiliation), religious affiliation,) of the lenders have easy access to alternative external finance, but the major challenges SMEs face when accessing the funds are the limited size of the loan and how to meet the demands of the lenders. On the lenders side, high defaulting rate is their major challenge. With careful modification without compromising the traditions involving the system, informal financial system will play significant role in providing the financial needs of SMEs.