The Relationship between Loan Default and Repayment Schedule in Microfinance Institutions in Ghana: A Case Study of Sinapi Aba Trust

The activities of Microfinance institutions have increased in its attempt to helping the poor, and one of such activities is microcredit. However, in their attempt to help alleviate poverty, one major challenge that Microfinance face is loan default. This study seeks to examine the relationship between loan default and repayment schedule in microfinance institutions in Ghana with specific case study of Sinapi Aba Trust.  The study is an investigative type and only used primary data. Questionnaires were administered to some customers of the Tema and Lapaz branch of Sinapi Aba Trust and were analyzed by means of Ordinary Least Square (OLS) Regression, graphs and tables. The results indicated that, there was no significant relationship between loan default and repayment schedule in Microfinance institutions. Rather, the study finds significant relationship between interest charged on loans, moral hazard and over-borrowing by customers. Moreover, inability of loan officers to visit borrowers regularly, loans not being backed by collateral were also found to have contributed significantly to loan default among customers. Keywords: Relationship, Loan Default, Repayment, Microfinanc

Factors That Hinder Teachers’ Use of Constructivism in Teaching and Learning of Science at Junior High School in Ghana

The purpose of the study is to find out the factors hinder the teachers’ use of constructivism in teaching and learning of science in their classroom and extent to which the methodology topics in science for Colleges of Education in Ghana equip basic teachers with the constructivist’s pedagogy so that a strong background for the promotion of constructivist-based teacher training courses could be considered. A descriptive survey design was employed for this study. The sample size for the study was 200 JHS science teachers from Kumasi Metropolis in the Ashanti Region. The main instrument used for the collection of data in this study was the close-ended questionnaire. The study revealed that factors that hinder the teachers’ use of constructivism in teaching and learning of science in their classroom include large class size, inadequate supply of teaching and learning materials, the nature and structure of national examinations and truancy.  The concept of constructivism is less popular if not missing in the curriculum of the Colleges of Education in Ghana. Again, the methodology course as indicated in the results does not adequately discuss the constructivists` epistemology well enough to make prospective teachers well informed about the concept. It was recommended that pre-service teacher education programs should focus more on helping prospective teachers to have an in-depth knowledge about the constructivist pedagogy so that a strong background for the promotion of the constructivist-based teaching courses could be considered. Keywords: Constructivism, methodology, prospective teacher

Preventing Chlorogenic Acid Quinone-Induced Greening in Sunflower Cookies by Chlorogenic Acid Esterase and Thiol-based Dough Conditioners

Sunflower seeds contain a high concentration of chlorogenic acid (CGA), which reacts with amino acids to form green pigments under alkaline conditions during food processing. Here, we present two approaches to prevent green pigment formation in sunflower cookies by (A) Addition of free thiols from cysteine and glutathione to sunflower cookie dough and (B) hydrolyzing CGA into caffeic acid and quinic acid with a CGA esterase from Lactobacillus helveticus. Greening occurred more slowly with cysteine; however, neither cysteine nor glutathione prevented greening in the cookies during storage. Chlorogenic acid esterase hydrolyzed CGA in both sunflower butter and flour, resulting in the complete elimination of greening in the sunflower cookies. CGA esterase treatment was efficient as the enzyme could be applied in low amounts (\u3c100 ppm) directly to the dough without needing to pretreat either sunflower butter or flour. Overall, our data indicate that CGA esterase treatment was an effective method of eliminating unwanted greening in sunflower cookies made with baking soda. Long term, these results may represent a method of increasing the use of sunflower butter and flour in high pH baking applications by enabling their use in neutrally colored baked products such as cookies and muffins

A Highly Active Esterase from \u3cem\u3eLactobacillus helveticus\u3c/em\u3e Hydrolyzes Chlorogenic Acid in Sunflower Meal to Prevent Chlorogenic Acid Induced Greening in Sunflower Protein Isolates

Chlorogenic acid (CGA) is an ester between caffeic and quinic acid. It is found in many foods and reacts with free amino groups in proteins at alkaline pH, leading to the formation of an undesirable green pigment in sunflower seed-derived ingredients. This paper presents the biochemical characterization and application of a highly active chlorogenic acid esterase from Lactobacillus helveticus. The enzyme is one of the most active CGA esterases known to date with a Km of 0.090 mM and a kcat of 82.1 s−1. The CGA esterase is easily expressed recombinantly in E. coli in large yields and is stable over a wide range of pH and temperatures. We characterized CGA esterase’s kinetic properties in sunflower meal and demonstrated that the enzyme completely hydrolyzes CGA in the meal. Finally, we showed that CGA esterase treatment of sunflower seed meal enables the production of pale brown sunflower protein isolates using alkaline extraction. This work will allow for more widespread use of sunflower-derived products in applications where neutrally-colored food products are desired

Studies in recovering sublimation products

Bibliography: p. 75-83

Exploring the role of gamification in motivating students to learn

AbstractUsing an integration of the Attention, Relevance, Confidence, and Satisfaction (ARCS) model and the Self-Determination Theory (SDT). This study explored university students’ motivation to learn through the use of gamification. A quantitative approach was used to obtain data from 60 students who participated in a gamified course utilizing a closed-ended questionnaire. The students were chosen using a random sampling method. Structural equation model (SEM) was used to assess the collected quantitative data. It was revealed through the study that the satisfaction attribute of motivation influences students’ engagement in learning whereas attention, relevance, confidence and relatedness do not. This research added to the existing discussion on the use of ARCS and SDT to explain why students are motivated to learn when gamification is used in universities

Extended producer responsibility in developing economies: assessment of promoting factors through retail electronic firms for sustainable e-waste management

The adoption of the extended producers’ responsibility (EPR) principle as a mitigation strategy for e-waste management has gained impetus over the past few years. However, e-waste management in developing economies through retail electronic firms’ or producer responsibility organization is still inceptive. This study identified and analysed promoting factors of EPR principle adoption through retail electronic firms in the Ghanaian electronic industry. Through extant literature and stakeholders’ perspectives, 15 factors were identified as strategic and operational promoting factors, which were evaluated by experts. Subsequently, the grey Decision-Making Trial and Evaluation Laboratory technique was used to analyse the data obtained. The outcome of the study suggests that operational factors have more influence than strategic factors to determine the adoption of the EPR principle. In addition, most of the important operational factors tend to be enabled by both push and pull measures by supply chain stakeholders. In the short term, adopting an advanced deposit recycling refund scheme tends to be the most effective elementary operational factor, which can push retailers to adopt the EPR principle. The significant pull elementary factors that need short-term attention include the opening up and creation of new market opportunities for e-companies as well as resilient and effective resources management. The study findings suggest that Ghana’s present policy framework is limited for the adoption of the EPR principle by retail electronic firms. The study contributes to identifying promoting factors for adoption of the EPR principle from the perspectives of both the external and internal stakeholders in the electronic industry with emphasis on push and pull strategy

Data from: Incorporating interspecific competition into species-distribution mapping by upward scaling of small-scale model projections to the landscape

There are a number of overarching questions and debate in the scientific community concerning the importance of biotic interactions in species distribution models at large spatial scales. In this paper, we present a framework for revising the potential distribution of tree species native to the Western Ecoregion of Nova Scotia, Canada, by integrating the long-term effects of interspecific competition into an existing abiotic-factor-based definition of potential species distribution (PSD). The PSD model is developed by combining spatially explicit data of individualistic species’ response to normalized incident photosynthetically active radiation, soil water content, and growing degree days. A revised PSD model adds biomass output simulated over a 100-year timeframe with a robust forest gap model and scaled up to the landscape using a forestland classification technique. To demonstrate the method, we applied the calculation to the natural range of 16 target tree species as found in 1,240 provincial forest-inventory plots. The revised PSD model, with the long-term effects of interspecific competition accounted for, predicted that eastern hemlock (Tsuga canadensis), American beech (Fagus grandifolia), white birch (Betula papyrifera), red oak (Quercus rubra), sugar maple (Acer saccharum), and trembling aspen (Populus tremuloides) would experience a significant decline in their original distribution compared with balsam fir (Abies balsamea), black spruce (Picea mariana), red spruce (Picea rubens), red maple (Acer rubrum L.), and yellow birch (Betula alleghaniensis). True model accuracy improved from 64.2% with original PSD evaluations to 81.7% with revised PSD. Kappa statistics slightly increased from 0.26 (fair) to 0.41 (moderate) for original and revised PSDs, respectively

Incorporating interspecific competition into species-distribution mapping by upward scaling of small-scale model projections to the landscape.

There are a number of overarching questions and debate in the scientific community concerning the importance of biotic interactions in species distribution models at large spatial scales. In this paper, we present a framework for revising the potential distribution of tree species native to the Western Ecoregion of Nova Scotia, Canada, by integrating the long-term effects of interspecific competition into an existing abiotic-factor-based definition of potential species distribution (PSD). The PSD model is developed by combining spatially explicit data of individualistic species' response to normalized incident photosynthetically active radiation, soil water content, and growing degree days. A revised PSD model adds biomass output simulated over a 100-year timeframe with a robust forest gap model and scaled up to the landscape using a forestland classification technique. To demonstrate the method, we applied the calculation to the natural range of 16 target tree species as found in 1,240 provincial forest-inventory plots. The revised PSD model, with the long-term effects of interspecific competition accounted for, predicted that eastern hemlock (Tsuga canadensis), American beech (Fagus grandifolia), white birch (Betula papyrifera), red oak (Quercus rubra), sugar maple (Acer saccharum), and trembling aspen (Populus tremuloides) would experience a significant decline in their original distribution compared with balsam fir (Abies balsamea), black spruce (Picea mariana), red spruce (Picea rubens), red maple (Acer rubrum L.), and yellow birch (Betula alleghaniensis). True model accuracy improved from 64.2% with original PSD evaluations to 81.7% with revised PSD. Kappa statistics slightly increased from 0.26 (fair) to 0.41 (moderate) for original and revised PSDs, respectively