Housing and construction finance, deposit mobilisation and bank performance in Ghana

Ametefe, Frank Kwakutse; Aboagye, Anthony Q.Q.; Sarpong‐Kumankoma, Emmanuel

doi:10.1080/09599916.2010.538478

Cited by 12 publications

(6 citation statements)

References 15 publications

Supporting

Mentioning

Contrasting

Order By: Relevance

“…While the efficiency of the Total Assets needs to be considered, where the sign of the coefficient is negative, this shows that the RDBs must be able to optimize its assets, so that the income of the RDBs increases. Increase of asset will increase of return (Ametefe et al, 2011). A negative sign indicates that at this time, assets owned by RDBs should be able to increase efficiency but instead actually reduce efficiency.…”

Section: Analysis Of Factors Affecting the Efficiency And Sustainability Of Rdbs In Indonesiamentioning

confidence: 99%

Determinant of regional development bank efficiency for their sustainability issues

Nidar¹,

Anwar²,

Komara³

et al. 2020

JESI

View full text Add to dashboard Cite

Banking efficiency is the main factor that needs to be considered in creating banking competitiveness. This study aims to determine the efficiency of the Regional Development Banks (RDBs) in Indonesia. There are around 26 RDBs throughout Indonesia, however, due to the completeness of the data as the main criteria of this purposive sampling research, this study includes 19 RDBs in observations. This study adopts a quantitative analysis with multiple regressions. There are only 2 variables that significantly affect efficiency, namely the Operational Cost to Operational Income (OCOI) variable and the Loan to Deposit Ratio (LDR) variable, and the other variables do not have any significant effects on the efficiency. In general, the dependent variable can be explained simultaneously by the independent variables around 95%, and the remaining 5% is explained by other variables outside the model. Since only 7 RDBs are efficient, then it is necessary for the management of those banks to do hard effort to maintain efficiency and keep on as sustainable banking in this competitiveness era.

show abstract

Section: Analysis Of Factors Affecting the Efficiency And Sustainability Of Rdbs In Indonesiamentioning

confidence: 99%

Determinant of regional development bank efficiency for their sustainability issues

Nidar¹,

Anwar²,

Komara³

et al. 2020

JESI

View full text Add to dashboard Cite

show abstract

“…In Kumasi, Ghana's second largest city, the share of the urban population renting is 57 per cent (Obeng-Odoom, 2011a), while in the Accra Metropolitan Area, 67 per cent of residents are renters (Gough and Yankson 2011). This substantial level of housing arises because households find it extremely difficult to enter into the Ghanaian housing market as owners for reasons such as the constraints in land acquisition (Abdulai and Ndekugri, 2007), high and rising costs of home ownership (Arku et al, 2012;Awanyo, 2009), low incomes for the vast majority of people (Ametefe et al, 2011) and the problem of severe housing shortages.…”

Section: The Rental Housing Context In Ghanamentioning

confidence: 99%

Public choice theory and rental housing: an examination of rental housing contracts in Ghana

et al. 2017

View full text Add to dashboard Cite

show abstract

“…UN-Habitat encourages member states to provide adequate housing for their citizens (UN-Habitat, 2011) [1]. As a result, most countries have prioritized housing provision, particularly for low to middle income groups (Ametefe et al, 2011) [2]. In this regard, housing has been dubbed the most important human right because it provides more than just physical shelter, as it also includes utilities and social services necessary for decent community living (Afrane et al, 2016;Ebie, 2009) [3], [4].…”

Section: Introductionmentioning

confidence: 99%

An Examination of Private Real Estate Developers’ Perspectives on Effectiveness of Government Support to the Ghanaian Housing Industry

Afrane¹,

Bujang²

2022

IJSSH

View full text Add to dashboard Cite

The centric role of housing in socio-economic development of nations makes many governments across the world play significant direct or indirect role in improving the housing industries for national development. Nonetheless, some governments, particularly in developing countries, have reduced their support for the housing industry to the creation of an enabling environment as a result of advised from World Bank. This appears to be failing due to economic challenges. Consequently, the entire Ghanaian housing sector has been left to private developers, who have very limited capacity to address the country's rising housing deficit, among other challenges. The purpose of this study is to make suggestions to the government to consciously improve its assistance to private real estate developers to help them in overcoming the challenges they face in the housing industry. The study was quantitative and made use of a survey questionnaire that was designed after reviewing relevant literature. Fifty-two (52) registered members of Ghana Real Estate Developers with offices were purposively sampled, and the data collected was analysed by SPSS v20 using descriptive statistics: cross-tabulations (correlation matrix) and frequencies. The findings revealed that the government's support to private real estate developers in housing development was inadequate. As a result of the affordability issues, private developers are discouraged from investing in housing for low to middle income households. Therefore, the study concluded that government commitment to the housing industry is critical, including streamlining the land tenure system, establishing land banking, assisting in the provision of infrastructure development, and assisting them in mortgage financing schemes.

show abstract

Housing and construction finance, deposit mobilisation and bank performance in Ghana

Cited by 12 publications

References 15 publications

Determinant of regional development bank efficiency for their sustainability issues

Determinant of regional development bank efficiency for their sustainability issues

Public choice theory and rental housing: an examination of rental housing contracts in Ghana

An Examination of Private Real Estate Developers’ Perspectives on Effectiveness of Government Support to the Ghanaian Housing Industry

Contact Info

Product

Resources

About