Shrinkage and adhesive stresses in fibre-reinforced composites

Imperial Users onl

Impact Of Retirement Benefit Act (RBA) On Investment Returns To Pension Funds In Kenya

This study focused on the analysis of the impact of RBA guidelines on the return on investments of both pension funds under management and those for pension schemes. A random sample of 175 fund trustees and a census of 13 fund managers from registered fund management companies participated in the survey. The questionnaire was administered through the drop-and-pick method. Data were analyzed using SPSS (Statistical Package for Social Sciences) and summarized in descriptive statistics, such as mean, standard deviation, frequencies, percentages, and t-tests for mean differences were used. The study determined that annual investment return for retirement benefits schemes in the past three years ranged between 10 and 27.52%, sometimes falling below the annual inflation.  The Kenya pension funds are in compliance with the prescribed broad guidelines with regard to maximum percentages of total asset value of fund by the RBA Act. They are, however, moderately in compliance with the regulations requiring that that they maintain an actuarial solvency of 80% and above. The overall weighted returns before the implementation of RBA Guidelines was low (average scale of 1.9) while the weighted returns after the implementation of RBA Guidelines was high, at an average scale of 3.7. An analysis of the trend, however, showed that long-run performance has slowed down. The highest growth was realized for mortgage and cash returns as opposed to rights issues and bonus shares. There is need to fashion out the appropriate mix of reforms suitable for Kenya that will ensure the long-run sustainability of its pension systems. The challenge is for the country to adopt a unified, harmonized, and transparent regulatory framework that will integrate the pension system in order to ensure sustainability in its financing and mobilizing of adequate funds to cater for the ever-increasing population of beneficiaries in this regard, comprehensive pension reform policy with wider target radar and one that will consolidate and harmonize the various legislations touching on retirement benefits industry in line with Retirement Benefits Act. The Regulator needs to implement measures to ensure pension funds are insulated from inflationary and other risks.  An effective way is to institute a pension risk insurance fund that will underwrite and compensate such losses as will be prescribed. Further, there is need for a systematic indexation of benefits to inflation. RBA should strengthen its compliance and enforcement function in order to ensure that it appropriately deals with emerging present and future regulatory challenges

The State of Customer Relationship Management in the Ghanaian E-commerce Ecosystem: Case Management.

Undergraduate thesis submitted to the Department of Business Administration, Ashesi University, in partial fulfillment of Bachelor of Science degree in Business Administration, May 2022Over the past decade, Ghanaian online businesses have increased in number. These business owners have taken tremendous strides to ensure that their businesses stay on top of their game, especially sales and customer service. However, customer management and retention are issues that seems to creep up, especially since the market for e-commerce keeps widening. According to Arnett and Badrinarayanan, managing relationships with customers is challenging for many firms because they engage in many different types of transactions, and their customers vary considerably as to their wants and needs [9]. Due to these complexities, there is a need for a solution that caters to effective customer service and retention. A good case management system that caters to the queries of customer is hence the key that unlocks the door to business success, relationship building, and management [5]. This project aims to understand the state of CRM in the e-commerce ecosystem in Ghana and recommend CRM vendors based on the current needs of e-commerce businesses in the Ghanaian ecosystem. To successfully implement this solution, research will be based on The current state of Customer Relationship Management (CRM) in the Ghanaian e commerce ecosystem. This research topic will explore the use of CRM, its limitations, and suggestions to improve these systems. We plan to sample a few online businesses such as Jumia, Jiji, and Swoove for our research and case studies.Ashesi Universit

Insecticide spray regime effect on cowpea yield and financial returns in northern Ghana

United States Agency for International Developmen