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In this paper, we reexamine the determinants of nonperforming loans through the impact of supervisory devices in credit risk management in Africa. The paper employs bank-specific, macroeconomic and institutional data for a panel of 14 universal banks over the period 2009 to 2020. We develop models that capture the role of regulatory supervision on credit risk. Findings from the Panels Corrected Standard Errors (PCSE) and the system GMM shows that previous year's NPL and inflation significantly affect NPLs in the banking space of Gana. Bank size and financial development are inversely associated with NPLs. The interactive term of regulatory quality and government effectiveness on NPLs has net negative effect. This suggest that regulatory quality enhances the reductive effects of government effectiveness on NPLs. Our findings in general lends credence to the financial instability theory as NPLs in the Ghanaian context has been the outcome of activities of speculative borrowers. [ABSTRACT FROM AUTHOR]

Choosing the most effective language is critical when advertising to multilingual audiences as the success of any advertising campaign depends on whether the audience "gets" the message. This paper argues that in Africa, "getting the message" is partly dependent on language given that indigenous languages, colonial legacy languages and blends between them compete for audience attention. Using Elaboration Likelihood Model (ELM) arguments, the study examines this possibility among a 1000 multilingual audience members in five cosmopolitan cities in Ghana. Findings show that advertisements are not consumed in a language vacuum and that language blends are the most appealing to the multilingual audience. The study also finds that attention to, and belief in advertisements are partly shaped by language preference. Besides these empirical contributions, the study positions the ELM as a viable theoretical lens for analyzing the implications of advertising language. Its use of an African sample to test the ELM's assumptions also introduces novel evidence to the theory's body of scholarship. Recommendations are made on how advertising practitioners and brand communicators may take advantage of language as an important segmentation criterion in advertising strategy. [ABSTRACT FROM AUTHOR]

Globally, Parliaments are democratic representation institutions responsible for law making, oversight over the executive, financial controls, and representation. There is ample evidence that Members of Parliament (MPs) in Africa are providing clientelistic services to constituents. This paper seeks to unearth the implications of the involvement of MPs in the provision of clientelistic goods and services on the effective performance of the MP's traditional functions. The paper used data collected from 80 Members of the 6th Parliament of Ghana, in 2016 to draw its conclusions. The incidence of Political clientelism among MPs manifest in two dimensions: Providing individual constituent's particular services and providing constituency-wide services. Political Clientelism prevents MPs from effectively performing their traditional roles. Educating the electorate on the traditional role of the MP, and improving the policy making capacity of political parties to engage citizens on policy issues, can help change the culture of political clientelism among MPs and citizens in Ghana and Africa as a whole. [ABSTRACT FROM AUTHOR]

Despite the generous legislative environments that protects children from sexual abuse, the magnitude of child sexual abuse has not changed much in most societies across the globe, especially in Africa. This has been attributed to the limited studies on the subject due to its sensitive and complex nature. Where studies are done, researchers have had to negotiate carefully through the matrix of gaining access and consent, through to ensuring that victims are not further victimized in the process of research. This paper discusses some practical and ethical challenges inherent in researching the phenomenon of child sexual abuse in Ghana. The paper outlines and discusses the undergirding principles and strategies for conducting child-sensitive research to serve as a framework for researches who want to conduct studies on child sexual abuse and other sensitive topics in Africa. [ABSTRACT FROM AUTHOR]

Development projects play a crucial role in kickstarting and promoting women's empowerment in agriculture. This paper is a conversation starter on how women can be included in the agenda to mechanise agriculture in Africa. It investigates the potential of empowering women as vital actors in the mechanisation value chain, by analysing the perceptions and experiences of the trained women tractor operators. The findings showed that the involvement of women in mechanisation pushed them beyond their comfort zones and offered them a new self-identity with new opportunities previously reserved for men. It also broadened their social capital through the formation of an association for women operators which ensured their representation at a local and national level. For young women, being an operator is the only alternative they have to one day owning a tractor-for-hiring service business because they do not own land or have capital, which is often a precondition. [ABSTRACT FROM AUTHOR]