In The study investigated the extent of teacher utilization problems in the junior high schools (JHSs) in the Ajumako-Enyan-Essiam District. It specifically sought to find out whether there were differences in teacher utilization with respect to gender, ownership of school, number of subjects taught, teaching experience, qualification, professional status and rank in the Ghana Education Service. A sample of 192 teachers made up of 160 teachers and 32 head teachers provided data for the descriptive study. Two set of questionnaires were designed for heads and teachers with reliability coefficients of 0.78 and 0.81 respectively. The SPSS was used to analyze data collected by using statistical tools such as frequencies, percentages, means, standard deviations, Chi-square test, t-test and Pearson’s correlation. All the analyses were at a significance cutoff of 0.05. The study revealed that although majority (88.8%) of the teachers were under-utilized in terms of teaching load, they were over-worked in the areas of teaching-related and co-curricula activities. There was a statistically significant association between subject(s) taught and teaching load of the teachers, and both male and female teachers had comparatively equal teaching load. Also, the junior-rank teachers had greater and heavier teaching workload than their senior-rank counterparts. It is recommended that additional Mathematics, Integrated Science, ICT and English teachers should be posted to the District’s junior high schools to augment the existing teacher population.
This study analysed the relationship between credit risk and bank financial performance of selected commercial banks in Ghana for the period 2010 - 2014, using the banks respective financial statements. The study employed the quantitative research approach. The sample was Ghana Commercial Bank Limited, Zenith Bank Limited, UT Bank and Ecobank Plc. These four banks were selected using stratified random sampling technique. The data were primarily secondary and quantitative in nature. Both descriptive and inferential statistics were used to analyse the data. When the banks were compared, Ghana Commercial Bank Limited was found to be more liquid than Zenith Bank Limited. That of Zenith bank was also higher than UT bank and Ecobank Plc .However, profitability indicators showed that Zenith Bank Limited and Ecobank Plc utilised its assets better than Ghana Commercial Bank Limited and UT bank resulting in the two banks higher scores over the period. The findings show further that Ghana Commercial Bank Limited showed higher ratios for investment in the future while Zenith Bank Limited showed higher ratios of higher dividend immediately. However, Zenith Bank Limited capital adequacy level was far higher than the legal requirement of Banking sector while its counterparts fell slightly below it in terms of average. Based on the main findings and conclusions, it is recommended that Ghana Commercial Bank Limited should find a means of reducing its expenditure, introducing prudent assets management, should be cautious when assisting government in time of economic difficulty, and operate as an independent entity.
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