Management commitment and corporate sustainability integration into small and medium-scale enterprises: A mediation effect of strategic decision-making

Corporate sustainability practices are vital to business survival. Hence, the need for targeted sustainable actions and corporate strategies capable of stimulating competitive advantage in terms of profitability and long-term existence of business entities. To this end, the study examines the influence of management commitment as an organisational factor on corporate sustainability integration in Ghana using corporate strategic decision-making as a mediating variable. Primary data was collected from SME owners and managers in Ghana; and the Warp partial least squares (PLS) estimation technique of the Structural Equation Model (SEM) was adopted for the analysis. The study makes a significant contribution to theory and knowledge in the context of SMEs within the corporate sustainability discourse.  The study is situated on the empirical literature on the relevant concepts. This is followed by the methodology, analysis, discussions, findings, conclusions, contribution to knowledge, managerial implications, recommendations and limitations, followed by direction for future studies

Predicting Credit Default among Micro Borrowers in Ghana

Microfinance institutions play a major role in economic development in many developing countries. However many of these microfinance institutions are faced with the problem of default because of the non-formal nature of the business and individuals they lend money to. This study seeks to find the determinants of credit default in microfinance institutions. With data on 2631 successful loan applicants from a microfinance institution with braches all over the country we proposed a Binary logistic regression model to predict the probability of default. We found the following variables significant in determining default: Age, Gender, Marital Status, Income Level, Residential Status, Number of Dependents, Loan Amount, and Tenure. We also found default to be more among the younger generation and in males. We however found Loan Purpose not to be significant in determining credit default. Microfinance institutions could use this model to screen prospective loan applicants in order to reduce the level of default. Keywords: Microfinance, Loan Default, Default Prediction, Logistic Regressio