The effects of funding strategy on the lending patterns of banks in Ghana

Show simple item record

dc.contributor.author Alu, A. A.,
dc.contributor.author Amidu, M.
dc.contributor.author Osei, K.A.,
dc.contributor.author Kuipo, R.
dc.date.accessioned 2015-07-08T15:43:20Z
dc.date.accessioned 2017-10-16T10:46:19Z
dc.date.available 2015-07-08T15:43:20Z
dc.date.available 2017-10-16T10:46:19Z
dc.date.issued 2014
dc.identifier.uri http://197.255.68.203/handle/123456789/6446
dc.description.abstract This article examines the effect of funding strategy on the lending patterns of banks in Ghana. We employ a panel dataset of banks from 2005 to 2011, to analyse the impact of funding sources on three sets of lending patterns employed by banks: Primary, secondary and tertiary economic sectors. The result shows that banks in Ghana use internally generated funds to finance loans to the primary and secondary sectors of the economy. In addition, our findings suggest that bank lending to the tertiary sector of the economy is significantly more sensitive to wholesale funding than to deposit and internally generated funds. The overall implication of this finding is that the bank funding structure needs to be considered in addition to the traditional bank-specific indicators when assessing banks’ ability to finance economic activities. en_US
dc.language.iso en en_US
dc.subject Africa en_US
dc.subject developing country en_US
dc.subject funding sources en_US
dc.subject Ghana en_US
dc.subject lending patterns en_US
dc.title The effects of funding strategy on the lending patterns of banks in Ghana en_US
dc.type Article en_US


Files in this item

Files Size Format View

There are no files associated with this item.

This item appears in the following Collection(s)

Show simple item record

Search UGSpace


Browse

My Account