Purpose – The purpose of this paper is to identify the factors which influence the demand for micro-insurance services among the informal sector workers of Ghana who are quite vulnerable to various risks in the economy. Design/methodology/approach – The study adopts a quantitative technique...

Purpose – The purpose of this paper is to identify the factors which influence the demand for micro-insurance services among the informal sector workers of Ghana who are quite vulnerable to various risks in the economy. Design/methodology/approach – The study adopts a quantitative technique...

Welfare losses due to misallocation of resources in the deposit and loans markets and inefficiency costs in both markets resulting from the concentration of the Ghanaian banking industry are estimated, respectively using the Harberger's triangle and deviations from cost efficient stochastic...

We examine whether consumers have benefited from bank privatization worldwide and find that bank spreads are significantly higher in the post privatization period than in the pre-privatization period, suggesting that bank customers have not benefited from bank privatization. However, we observe...