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Disaster and Posttraumatic Distress 
UNIVERSITY OF GHANA, LEGON 
DEPARTMENT OF PSYCHOLOGY 
 
 
 
DISASTER AND POSTTRAUMATIC ADAPTATION: RISK AND 
PROTECTIVE FACTORS 
 
 
 
 
BY 
 
EMMANUEL DZIWORNU 
(10210274) 
 
 
 
 
THIS THESIS IS SUBMITTED TO THE UNIVERSITY OF GHANA, 
LEGON IN PARTIAL FULFILLMENT OF THE REQUIREMENT 
FOR THE AWARD OF DOCTOR OF PHILOSOPHY (PHD) DEGREE 
IN PSYCHOLOGY 
 
 
 
 
 
JULY, 2019
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DECLARATION 
I declare that this is an original research conducted by me and has never been submitted to 
any other institution for any award. All sources cited in this research are duly acknowledged. 
 
 
 
 
  
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Disaster and Posttraumatic Distress 
ACKNOWLEDGEMENT 
It has been the grace of the Almighty God since day one of my PhD journey. He (God) 
deserves the praise. There are many other people who also deserve my gratitude for this 
journey. First thank goes to my supervisors. They have been diligent and nurturing in 
guiding me to the end of this project. Dr. Anum has been so supportive. In my despair, he 
always opened his arms to embrace and soothe me. God bless you Doc. Prof. Akotia has 
been the mother on my team. I remember her heart-warming words; ‘Emmanuel you can 
finish this’. These postures reminded me all the time that I must deliver as expected of me. 
Prof. Osafo was fantastic in his assistance. Even with his busy schedules as the Head of 
Department, he made time for me when the need arises. He offered his out-of-office hours 
and his computer to help me make progress with my project. These three faculty have made 
the best supervisory committee for my life. I am grateful to you all. 
I must thank my wife, Enyonam A. Adzato for her support, encouragement, patience and 
endurance. I took all the money and time away from home to school. She made me 
understand the worth of a woman and a spouse. God richly bless you dear. My children 
always missed me. When they happen to be awake before I return from school to the house, 
they screamed as though I had returned from a 4year trip. All their years so far have been 
within my PHD journey. Guys, when you grow you will understand. Thank you all. 
I also express my gratitude to my siblings, parents and friends. My colleagues, Mary and 
Charlotte and the ‘runaway’ Lily, God bless you all. We have been the real survivors. My 
junior colleagues, Francis, Paapa Yaw, May, Stella, Seth, Bea and senior colleagues, Prof. 
Oppong, Drs. ABC, Dickson, Aful, Judith and Coleman, thank you all. 
I am grateful to the entire faculty of the department of Psychology, University of Ghana, 
Legon for the support everyone offered me through this journey. Finally, I thank all my 
participants and research assistants for their time during my data collection. 
God bless everyone.  
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Disaster and Posttraumatic Distress 
DEDICATION 
 
Dedicated to my Wife and Children. God bless you all. 
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Disaster and Posttraumatic Distress 
ABSTRACT 
This research investigated the role of risk and protective factors in how disaster victims 
adapt to the impacts of the adversity. This adaptation was examined at two levels: 
posttraumatic distress (PTD) and posttraumatic growth (PTG). Four risk factors and five 
protective factors were examined. The concurrent nexted mixed methods approach with 336 
sample from the population of 3rd June 2015 flood/fire disaster victims in Accra was used; 
13 of which participated in both quantitative and qualitative studies. 
The quantitative study used standardised measures of PTG, PTSD, and general distress 
(using the global severity index of the symptoms checklist) as outcome variables, social 
support, religiosity, resilience, belief in just world, and self-efficacy (protective factors) as 
moderating variables, and neuroticism, assumptive world, previous traumatic history and 
independent self-construal (risk factors) as predictors. Five hypotheses were tested using 
hierarchical multiple regression and Pearson correlations. The results indicate that risk 
factors namely neuroticism, and previous traumatic history significantly predict PTD 
(general psychological distress and PTSD). It was also found that protective factors namely 
social support, belief in just world, resilience, and religiosity significantly predict PTG. 
Again, it was found that protective factors significantly moderate the relationship between 
risk factors and psychological distress. Finally, the quantitative study also found that social 
support, self-efficacy, belief in just world, resilience and religiosity are negatively and 
significantly correlated with PTD (psychological distress and PTSD), and there is rather a 
significant positive correlation between PTG and PTD. 
The qualitative study used the phenomenological approach with thematic analysis to 
answered three research questions.  It was found that victims perceive the causes of the 
disaster to include engineering failures and anti-environmental behaviours. Their 
experiences include loss and biographical disruption such as disfigurement, death and loss 
of property, and psychological impacts such as anxiety, and mood problems. Participants’ 
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Disaster and Posttraumatic Distress 
adjustment experiences involve societal and family level interventions, spiritual support and 
post disaster vulnerability.   
It was concluded that indeed disaster victims suffer distress with risk factors exacerbating 
it. However, victims also experience growth following the disaster and this is facilitated by 
protective factors. The implications of the findings regarding clinical practice, policy, 
disaster management, research and theory are discussed. 
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TABLE OF CONTENTS 
 
DECLARATION ................................................................................................................... i 
ACKNOWLEDGEMENT ..................................................................................................... i 
DEDICATION ..................................................................................................................... iii 
ABSTRACT ........................................................................................................................ iv 
TABLE OF CONTENTS .................................................................................................... vi 
LIST OF TABLES ............................................................................................................... ix 
LIST OF FIGURES .............................................................................................................. x 
LIST OF ABREVIATIONS ................................................................................................ xi 
CHAPTER ONE ................................................................................................................... 1 
INTRODUCTION ................................................................................................................ 1 
1.1 Background to the Study ............................................................................................. 1 
1.1.1 Nature and Types of Disasters .............................................................................. 2 
1.1.2 Disaster and Posttraumatic Distress ..................................................................... 4 
1.1.3 Risk Factors for Posttraumatic Distress ............................................................... 5 
1.1.4 Disaster and Posttraumatic Growth (PTG) ........................................................... 7 
1.1.5 Protective Factors promoting Post traumatic Growth .......................................... 8 
1.2 Statement of the Problem .......................................................................................... 11 
1.3 Aims of the Study ..................................................................................................... 12 
1.4 Rationale for the Study ............................................................................................. 13 
1.5 Significance of the study ........................................................................................... 14 
1.6 Organization of the Thesis ........................................................................................ 14 
CHAPTER TWO ................................................................................................................ 16 
LITERATURE REVIEW ................................................................................................... 16 
2.0 Introduction ............................................................................................................... 16 
2.1 Theoretical Framework ............................................................................................. 16 
2.1.1 Posttraumatic Distress Theory ............................................................................ 16 
2.1.2 Posttraumatic Growth Theory ............................................................................ 20 
2.2 Review of Related Studies ........................................................................................ 23 
2.2.1 The Negative Impact of Disaster ........................................................................ 23 
2.2.2 Disasters and Posttraumatic Distress .................................................................. 29 
2.2.3 Risk Factors for Post Disaster Distress .............................................................. 32 
2.2.4 Disaster and Positive Outcome ........................................................................... 37 
2.2.5 Factors promoting Positive Disaster Outcomes / PTG ....................................... 38 
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2.2.6 Relationship between Posttraumatic Distress (PTD) and Posttraumatic Growth 
(PTG) ........................................................................................................................... 49 
2.2.7 Summary of Review of Related Studies ............................................................. 51 
2.3 Conceptual Framework ............................................................................................. 51 
2.4 Statement of Hypotheses for the Quantitative Study ................................................ 53 
2.5 Definition of Terms ................................................................................................... 53 
2.6 Research Questions for the Qualitative Study .......................................................... 54 
CHAPTER THREE ............................................................................................................ 55 
METHODOLOGY ............................................................................................................. 55 
3.0 Introduction ............................................................................................................... 55 
3.1 Research Approach ................................................................................................... 55 
3.1 Philosophical Basis of the Research Approach ..................................................... 56 
3.2 Research Design ........................................................................................................ 57 
3.2.1 The Concurrent Embedded Mixed Method Design ........................................... 57 
3.3 Research Setting ........................................................................................................ 59 
3.4 Study Population ....................................................................................................... 61 
3.5 General Data Collection Procedure ........................................................................... 61 
3.6 Inclusion and Exclusion Criteria ............................................................................... 62 
3.7 Ethical considerations ............................................................................................... 62 
3.8 Quantitative Methodology ........................................................................................ 64 
3.8.1 Design ................................................................................................................. 64 
3.8.2 Sample ................................................................................................................ 64 
3.8.3 Sampling method ................................................................................................ 66 
3.8.4 Instrument ........................................................................................................... 67 
3.8.5 Outcome Variable Measures .............................................................................. 71 
3.8.6 Moderating variables .......................................................................................... 74 
3.8.7 Pilot Study .......................................................................................................... 76 
3.8.8 Procedure for Quantitative Study ....................................................................... 77 
3.9 Qualitative Methodology .......................................................................................... 78 
3.9.1 Approach – Phenomenology .............................................................................. 78 
3.9.2 Sample and Sampling Technique ....................................................................... 79 
3.9.3 Data collection Material ..................................................................................... 80 
3.9.4 Pilot Study .......................................................................................................... 80 
3.9.5 Data Collection Procedure .................................................................................. 81 
3.9.6 Data Processing and Analysis ............................................................................ 81 
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3.9.7 Rigor and Credibility of Data and Result ........................................................... 82 
CHAPTER FOUR .............................................................................................................. 84 
RESULTS ........................................................................................................................... 84 
4.0 Introduction ............................................................................................................... 84 
4.1 Quantitative Findings ................................................................................................ 84 
4.1.1 Data Analysis/Analytic Plan .............................................................................. 84 
4.1.2 Preliminary Analysis .......................................................................................... 85 
4.1.3 Descriptive analysis: Mean, Normality and Reliability ..................................... 90 
4.1.4 Correlation Matrix .............................................................................................. 93 
4.1.5 Hypotheses Testing ............................................................................................ 95 
4.1.6 Summary of Qualitative Findings .................................................................... 107 
4.1.7 Additional Findings .......................................................................................... 108 
4.2 Qualitative Results .................................................................................................. 108 
Summary of Qualitative Findings ............................................................................. 125 
CHAPTER FIVE .............................................................................................................. 126 
DISCUSSION ................................................................................................................... 126 
5.0 Introduction ............................................................................................................. 126 
5.1 Summary of the Study............................................................................................. 145 
5.1.1 Point of Convergence: Quantitative and Qualitative Findings ......................... 147 
5.1.2 Point of Divergence: Study one and Study Two .............................................. 148 
5.2 Contributions of the study ....................................................................................... 148 
5.2.1 Contribution to Knowledge .............................................................................. 149 
5.2.2 Contributions to Research ................................................................................ 149 
5.2.3 Theoretical Contributions and Implications ..................................................... 150 
5.3 Practical Implications .............................................................................................. 151 
5.3.1 Implications for Clinical Practice ..................................................................... 151 
5.3.2 Policy Implications ........................................................................................... 152 
5.3.3 Implications for Disaster Management in Ghana ............................................. 153 
5.4 Limitations of the Study .......................................................................................... 153 
5.5 Recommendations for Future Research .................................................................. 154 
5.6 Conclusions ............................................................................................................. 154 
REFERENCES ................................................................................................................. 156 
APPENDICES .................................................................................................................. 184 
 
  
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LIST OF TABLES 
Table 1.1: Some Disasters Recorded in Ghana over the Years ............................................ 3 
Table 3.1: Instruments used for Quantitative study and Cronbach’s alphas ...................... 76 
Table 3.2: Demographic Information of Participants ......................................................... 80 
Table 4.1: Demographic Characteristics of Respondents ................................................... 87 
Table 4.2:  Exploratory Factor Analysis of Big Five Personality Scale ............................. 90 
Table 4.3: Test of Normality, Reliability, Means and Standard Deviation ........................ 92 
Table 4.4: Correlation Matrix showing the ationship between Study Variables ................ 94 
Table 4.5: Hierarchical Multiple Linear Regression showing how Risk Factors predict 
General Psychological Distress ........................................................................ 97 
Table 4.6: Hierarchical Multiple Linear Regression showing how Risk Factors predict 
PTSD................................................................................................................. 98 
Table 4.7: Hierarchical Multiple Linear Regression showing how Protective Factors 
predict PTG ..................................................................................................... 100 
Table 4.8: Hierarchical Multiple Linear Regression showing the moderating effect of 
Social Support, Self-esteem, Belief in Just World Resilience, and Religiosity 
on the Relationship between Risk Factors (Assumptive World, Independent 
Self-construal and Previous Traumatic History) and General Distress. .... Error! 
Bookmark not defined. 
Table 4. 9: Hierarchical Multiple Linear Regression showing the moderating effect of 
Social Support, Self-esteem, Belief in Just World Resilience, and Religiosity 
on the Relationship between Risk Factors (Assumptive World, Independent 
Self-construal and Previous Traumatic History) and PTSD ........................... 105 
Table 4.10: Summary of Themes, Subthemes and Supporting Quotes ............................ 110 
 
  
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LIST OF FIGURES 
Fig. 2.1: Organismic valuing theory of growth following adversity. Adapted from Joseph 
& Linley, 2005 .................................................................................................. 22 
Fig. 2.2: Conceptual framework ......................................................................................... 52 
Fig. 3. 1: Concurrent Triangulation Design showing the process of integrating the two 
methods (Quan + Qual)adapted from Creswell and Zhang (2009) .................. 59 
 
  
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LIST OF ABREVIATIONS 
ADHD – Attention Deficit Hyperactivity Disorder 
AMA - Accra Metropolitan Assembly 
APA - American Psychological Association 
ATM – Automated Teller Machine 
BA – Brong Ahafo Region 
CR- Central Region 
CSM - Cerebro-spinal Meningitis 
DSM- Diagnostic Statistical Manual 
EM-DAT - Emergency Events Database 
EPT – Emotional Processing Theory 
GA – Greater Accra  
GDP – Gross Domestic Product 
HSCT - Hematopoietic Stem Cell Transplant 
KMO - Kaiser-Meyer-Olkin 
MSPSS - Multidimensional Scale of Perceived Social Support 
NADMO – National Disaster Management Organisation 
NR - Northern Region 
OV – Organismic Valuing 
PCA- Principal Component Analysis 
PCL-C - PTSD Checklist-Civilian 
PLWH – People Living With HIV 
PTA – Parents Teachers Association 
PTD – Post Traumatic Distress 
PTG – Post Traumatic Growth 
PTGI - Posttraumatic Growth Inventory 
PTSD – Post Traumatic Stress Disorder 
PTSS - Posttraumatic Stress Symptoms 
SCL-90-R - The Symptoms Checklist-90-Revised 
SPSS - Statistical Package for the Social Sciences 
UER – Upper East Region 
UWR – Upper West Region 
VR – Volta Region 
WAS - The World Assumptions Scale 
WHO – World Health Organisation  
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CHAPTER ONE 
INTRODUCTION 
1.1 Background to the Study 
The short to long term consequences of disaster are usually dire and these have been 
documented copiously in the literature (see for example, Shultz, Neria, Allen, & Espinel, 
2013; Walker-springett, Butler, & Adger, 2017). These consequences are physical 
(Paidakaki, 2012) or psychological ( Hussain, Weisaeth, & Heir, 2011). According to the 
DSM 5, individuals who survive disasters may experience symptoms such as flashbacks, 
nightmares, hypervigilance, sleep and memory problems among others (American 
Psychiatric Association, 2013b). Of particular interest are the long-term consequences 
because these may be debilitating and normally disrupt affected individuals’ occupational 
and social lives.  
Disasters may have both negative and positive outcomes. Researches however, focus largely 
on the negative outcomes. The implication is that there is little focus on positive outcomes 
of disaster and there is equally little focus on personal and environmental factors that 
mitigate negative consequences or factors that promote positive outcomes of disaster. For 
example, a disaster victim may not develop depression but could rather develop a deeper 
sense and appreciation for life (Klasen et al., 2017). This is because several factors influence 
psychological outcomes of disasters in victims (Park, 2010). For example, Garcia, Cova, 
Rincon, and Vazquez (2015) maintained that when people brood over their adversities, they 
tend to develop negative emotions and negative outcomes compared to those who use 
deliberate active coping leading to posttraumatic growth. Again, while some personality 
factors such as neuroticism are found to influence the negative impacts of disasters (Barlow 
et al., 2015), mental toughness promotes positive outcomes among victims (Hardy, Bell, & 
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Beattie, 2014). In this study, the primary objective is to examine some of the unexplored 
medium to long term consequences of disaster, focusing on risk and protective factors. 
1.1.1 Nature and Types of Disasters 
Disaster is a traumatic event many people experience in their life time (Bonanno & Mancini, 
2015). It is any event that occurs unexpectedly, causes social disruption and threat to human 
life/survival (Lindell, 2013). According to the World Health Organisation (WHO, 2000), 
disasters disrupt the normal conditions of existence and cause a level of suffering that 
exceeds the capacity of adjustment of the affected community. Disasters are broadly 
categorized under natural and man-made. There have been several disaster occurrences in 
Ghana, both natural and man-made, chief among which is flooding (Asumadu-Sarkodie, 
Owusu, & Rufangura, 2015) as shown in the Table 1 below. The reasons for these are not 
farfetched. Typically, people build in water ways blocking free flow storm waters. There is 
also the problem of inadequate drainage in some communities particularly overcrowded 
inner cities. Finally, people deposit garbage into the already narrow drainage systems further 
clogging the drains causing flooding when it rains. In 2015, the deadliest of these flood 
disasters occurred in Ghana with a fire explosion at a fuel filling station in Accra, claiming 
over 150 lives (Asumadu-Sarkodie et al., 2015). Similarly, other disasters in Ghana claimed 
several lives and destroyed properties.  
  
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Table 1.1: 
 Some Disasters Recorded in Ghana over the Years 
Date  Disaster  Area affected Impact  
June, 2018 Flood  Accra, Kumasi  3 deaths, thousands displaced in 
Kumasi 
July, 2017 Flood  Tamale  3 deaths, destruction of farm 
lands, several people displaced 
October, Gas Accra (Atomic 7 deaths, Several people burnt, 
2017 explosion  Junction) properties damages 
May, 2017 Gas Takoradi Over 100 people suffer burns, 
explosion  properties damaged 
December, Gas La, Accra  5 deaths, scores injured, 
2016 explosion  properties damaged 
June, 2015 Flood/fire  Accra (Circle)  Over 150 deaths, several people 
disfigured, thousands displaced, 
properties damaged 
2014 Cholera  GR and other four 243 deaths, 28,975 cases 
regions 
November, Melcom Accra  14 deaths 
2012 Building 
collapse  
2011 Flood  Accra  43,087 affect, 15 deaths  
2007 Flood  UER, UWR, NR 307,127 affected, 41 deaths 
1997 Flood  UER, UWR, NR, Over 300,000 affected  
BA, VR  
1997 CSM UER, UWR, NR  1,356 deaths  
1997 Cholera  GA, CR 117 deaths  
CSM: Cerebro-spinal Meningitis, UER: Upper East Region, UWR: Upper West Region, 
NR: Northern Region, BA: Brong Ahafo Region, VR: Volta Region, GA: Greater Accra 
Region, CR: Central Region. 
 
The nature of disaster determines the impact it presents. The nature of the disaster may 
include the severity, duration and the location. Severe forms of disasters have wider physical 
effects. They affect public health infrastructure, threaten access to health care services and 
displace populations. Also, disasters that occur in densely populated locations such as 
regional capitals including Accra, Kumasi, and Takoradi tend to affect many lives. This 
results in more deaths and more survivors who may have to deal with the after effects. 
Therefore, with the psychological impacts of disasters, the figures represented in the table 
above shows that over the years several Ghanaians were psychologically traumatised as a 
result of disaster experiences. 
 
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1.1.2 Disaster and Posttraumatic Distress 
Disaster victims experience two kinds of effects: they experience distress (Carroll, Morbey, 
Balogh, & Araoz, 2009; Jones, Ribbe, Cunningham, Weddle, & Langley, 2002) or they 
experience growth (Klasen et al., 2017; Nuttman-shwartz, Dekel, & Tuval-mashiach, 2011). 
Sometimes, victims may experience distress then growth (Maitlis, 2012).  
Apart from the conspicuous physical effects such as death, disease outbreaks, and injuries 
(Haqqi, 2006), disasters lead to significant psychological distresses including depression, 
anxiety disorders (e.g. posttraumatic stress disorder), cognitive dysfunctions and 
hypersensitivity (Böttche, Kuwert, & Knaevelsrud, 2012; Breslau, 2002; Mason, Andrews, 
& Upton, 2010a; Tunstall, Tapsell, Green, Floyd, & George, 2006).  
According to Haqqi (2006), occurrence of disasters is accompanied by states of disbelief, 
disorganisation, agitation, cognitive dysfunction that may include but not limited to memory 
difficulties, planning and concentration (Haqqi, 2006; Tian, Wong, Li, & Jiang, 2014). 
Victims also experience irritability or anger, and anxiety (Panyayong & Pengjantr, 2014; 
Tapsell, 2000), apprehension (Ohl & Tapsell, 2000), depression (Haqqi, 2006; Panyayong 
& Pengjantr, 2014), helplessness, and guilt (especially survivor guilt) (Erikson, 1976; Lifton 
& Olson, 1976). There are behavioural effects such as hypervigilance, hyperactivity, social 
withdrawal, self-blame (Haqqi, 2006) and loss of appetite. Some also experience sleep 
disturbances, loss of interest in activities and substance abuse (Panyayong & Pengjantr, 
2014). 
The presentation of posttraumatic reactions varies across culture, age and gender. It has been 
reported that among the general populations of Europe, Asia and Africa, the prevalence of 
posttraumatic stress disorder is about 0.5 to 1% (American Psychiatric Association, 2013). 
In Turkey, Dogan (2011) found among adolescent disaster survivors that over 70% 
experience severe levels of various posttraumatic impacts. Victims may experience acute 
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effects spanning immediately after the disaster to a few days or weeks. Others may 
experience delay onset of effects several months to years after the disaster (American 
Psychiatric Association, 2013).  
Children suffer significant physical effects of disasters both on a short-term and long-term 
basis. For example, when a flood disaster occurs, they suffer from more infections because 
they breath larger volume of air. They also require more fluid/water and so become 
dehydrated during disasters. School facilities are often destroyed through disasters thereby 
disrupting children’s academic activities. Children process emotional trauma differently and 
slower leading to further and/or delayed mental health complications (Kousky, 2016; Peek, 
2008). 
It is possible the posttraumatic distresses may be further aggravated by the physical and 
economic challenges that the disaster creates for the victims (Ademola, Adebukola, Adeola, 
Cajetan, & Christiana, 2016; Paidakaki, 2012). In addition to these challenges, some other 
factors pose as risks that can contribute to an increase in the posttraumatic distress suffered 
by individuals (Masten & Reed, 2002). Some of these risk factors are discussed below. 
 
1.1.3 Risk Factors for Posttraumatic Distress 
Research suggests that history of previous traumatic experiences is associated with the 
experience of PTD (Stevanovic, Franciskovic, & Vermetten, 2016). Previous traumas tend 
to make an individual’s resilience resources weak ahead of any future disasters (Janoff-
Bulman, 1992). This also makes the individual vulnerable to negative health impacts in 
future life (Mock & Arai, 2011). In a similar vein, childhood traumatic experiences increase 
the chances of behaviour problems in one’s adult life by making the individual internalize 
(shown in anxiety and depression) and externalise (as in aggression and acting out) 
behaviours (Gilbert et al., 2009). It is also established that early childhood traumatic 
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experiences are associated with adult psychiatry disorders and psychological distresses 
(Greenfield, 2010; Pine & Cohen, 2002). 
Personality, in particular Neuroticism, is reported to have implications for the development 
of PTD and other ill mental health disorders. For example, people who  score high on 
neuroticism have higher tendencies for posttraumatic distress (Sveen, Arnberg, Arinell, & 
Bergh, 2016). People with neuroticism have the predisposition to experience negative 
emotions, such as worry, anxiety, depression, irritability, and vulnerability to psychiatric 
disorders (Eysenck & Eysenck, 1964; Yanhui, Wang, Jiang, & Mo, 2016). Thus, when they 
are further exposed to traumatic events, they tend to experience a heightened level of these 
emotions. There is also an indication that PTD is associated with  other personality traits 
such as negative emotionality, trait hostility and trait anxiety (Jakši, Brajkovi, Ivezi, Topi, 
& Jakovljevi, 2012; Yanhui et al., 2016). 
Exposure to disasters often requires that victims resort to support from unaffected 
communities. This becomes effective in more collectivistic cultures (Wlodarczyk et al., 
2016). However, independent or individualistic societies or persons risk experiencing 
distressing post disaster effects since either they may not ask for support or unaffected 
communities may not be willing to support. Self-construal is primarily how people view 
themselves in relation to other people at the societal level (Hazel & Shinobu, 1991; Voyer 
& Franks, 2014). It is categorized into independent and interdependent. Independent self-
construal is when individuals see themselves as distinct from others in their community. 
Interdependent self-construal on the other hand is when the individual sees themselves as 
connected to others in their society (Giacomin & Jordan, 2017). People with independent 
self-construal tend to receive less support during challenging moments. Such people may 
not readily endorse communal coping activities thereby putting them under pressure when 
their personal coping strategies are stretched to the limit (Wlodarczyk et al., 2016).  
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Identified risk factors tend to exacerbate the severity of PTD (Sandica & Pop, 2016; Young, 
2017) with increasing number of risk factors relating to higher severity of PTD (Briere, 
Elisha, & Deitrich, 2016; van Loo et al., 2016).   
Individual socio-demographic factors such as age, gender and economic status may also 
predispose them to higher levels of distress following disasters (Sareen, 2014; Young, 
2017). These are often considered pre-disaster risk factors. There are however other factors 
that may present during and after the disaster that will contribute significantly to the onset 
or severity of PTD (Young, 2017). This may include losses during the disaster, injuries, and 
poor social support 
There is the need to identify as many risk factors as possible in order to understand why and 
how PTD develops and is maintained after a traumatic experience. However, many other 
victims of disasters may also stay stronger after the adversity and rather develop 
posttraumatic growth (PTG) (Dekel, Solomon, & Ein-Dor, 2012; Klasen et al. (2017).  
1.1.4 Disaster and Posttraumatic Growth (PTG) 
Inasmuch as disasters largely imply negative outcomes, they sometimes reveal potential, 
new beginning and growth (Ramos & Leal, 2013). PTG is conceptualized as a 
multidimensional outcome of one’s ability to become open to new possibilities, appreciation 
of life in a better way, experiencing enhanced personal strength and spiritual development 
and able to relate better to others (Tedeschi & Calhoun, 2004). It is an individual’s ability 
to bounce back better than before, feeling a strong sense of renewed characteristics and 
strength to face future adversities (Dekel et al., 2012).  
Joseph and Linley (2005) opined that people perceive their survival from a disaster as an 
opportunity to grow. This growth is facilitated by factors that decrease the chances of the 
negative effects whilst strengthening the chances of the positive effects or outcomes and 
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they are known as protective factors (Masten & Reed, 2002). However, PTG may not 
necessarily replace distresses, or does not prevent distresses (Maitlis, 2012). It is rather a 
matter of dealing with the distresses and experiencing the sense of personal growth from the 
pains of the adversity. 
It has been indicated that the positive aspect of disaster studies has receive limited but 
growing attention (Redekop & Clark, 2016; Tedeschi & Calhoun, 2004). This study 
concurrently considers the factors associated the development of PTG and those that 
influence PTD among disaster victims. Some of the factors associated with PTG to consider 
in the current study are social support, intervention, religiosity, belief in just world and self-
efficacy. 
1.1.5 Protective Factors promoting Post traumatic Growth 
There are both external and personal factors that promote growth among survivors of 
disasters. Some of the external factors include social support, professional interventions, 
and religiosity. There are also personal factors like an individual’s belief in just world, 
resilience and self-efficacy.  
Social support is a factor that augments the positive effects of disasters (Platt, Keyes, & 
Koenen, 2014). Generally, it has been a strong factor for good health among many 
populations (Feeney & Collins, 2015; Kafetsios & Sideridis, 2006; O’Donovan & Hughes, 
2008; Uchino, 2009). Social support is the perception of, and the reception of any form of 
assistance from one’s relational networks (Kafetsios & Sideridis, 2006). It comes in the 
forms of received, perceived and embedded supports (Berkman, Glass, Brissette, & Seeman, 
2000).  
Berkman and Glass (2000) maintained that social support produces positive stress by 
catalysing an individual’s sense of purpose, belonging, security, or self-worth, leading to 
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increased motivation for positive self-care (e.g., healthy eating). It promotes and restores 
health as well as reduces mortality risk (Sarason, Sarason, & Gurung, 2001). It is therefore 
important to establish how support from others plays out among victims of disasters with 
regards to its availability and use by victims in augmenting post disaster distress and 
facilitating post disaster growth. 
Similarly, the professional intervention victims receive after a disaster produces 
posttraumatic growth (Raphael & Wilson, 2000). This is due to the support and skills a 
therapist or counsellor introduces to the individual to help deal with the negative impact of 
the disaster. The therapist helps victims identify adaptive coping strategies, sources of 
support and better interpretations for the adversity. By utilizing these, victims tend to better 
manage the impact of the disaster, thereby experiencing psychological growth (Linares et 
al., 2017). 
Religiosity also significantly supports victim’s growth after the experience of trauma (Chan 
& Rhodes, 2013). It serves as a source of support for the victim. The individual may fall on 
the assistance of members of their congregations in addition to the support they enjoy from 
God (Oren & Possick, 2009). Oren and Possick (2009) posit that religiosity is a significant 
source of meaning for suffering that helps to lessen the adverse effect of adversity. 
A person’s belief in a just world is the belief that people get what they deserve (Lerner & 
Miller, 1978) also produces PTG (Mcparland & Knussen, 2010). When people experience 
trauma which they consider an injustice to them, those with a strong general belief in just 
world will be motivated to adopt strategies to maintain this belief by restoring a sense of 
justice in some way (Dalbert, 2001; Furnham, 2003; Janoff-Bulman & Frieze, 1983; Lerner, 
1980; Rubin & Peplau, 1975). This will make them give positive interpretations of their 
misfortune and thus experience less distress (Bulman & Wortman, 1977; Dalbert, 1996, 
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1997). For example, when an individual experiences flood and interpret it as an unfair 
treatment by nature to them, then they are more likely to feel distressed. 
Self-efficacy is also important in how people perceive and deal with adversities (Zulkosky, 
2009). According to Bandura (1982), self-efficacy influences a person’s level of motivation, 
thought and actions. Zulkosky (2009) explains that people with high self-efficacy are able 
to deal with difficulties compared to low self-efficacy which leads to depression and related 
distresses. This means that self-efficacy has a bearing on people’s ability to experience 
positive outcome from disasters. It was found among cancer patients by Lotfi-kashani, 
Vaziri, Akbari, and Kazemi-zanjani (2014) that self-efficacy contributed strongly to PTG 
among the patients. Similarly, Li, Cao, Cao, Wang, and Cui (2012) found among children 
with congenital disease who are undergoing surgery that self-efficacy is a predictor for PTG. 
Resilience provides strong growth outcomes in victims of disasters (Meyer et al., 2019). 
According to the American Psychological Association (APA), (2014), resilience is ‘the 
process of adapting well in the face of adversity, trauma, tragedy, threats or significant 
sources of stress such as family and relationship problems, serious health problems or 
workplace and financial stressors’. It is shown that people who are naturally resilient are 
able to better manage stressful situations in general and traumatic events in particular 
(Tomaszek, Zdankiewicz-ścigała, Kosson, & Kosieradzki, 2018). It helps the individual to 
function beyond an expected level. Thus, resilience helps people to grow better after 
traumatic experiences.  
Unfortunately, most disaster researches have largely focused on only the 
negative/distressing aspect of disasters at the expense of the positive effects. In Africa and 
Ghana for example, there is little attention given to disaster research. Meanwhile, in Ghana 
flood disaster has become an annual challenge. This leaves many people dead, displaced 
and traumatized (Dziwornu & Kugbey, 2015). Thus, it is important to examine both the 
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negative and the positive effects of disasters among victims and the factors (risk and 
protective) that facilitate these effects.  
 
1.2 Statement of the Problem 
Disasters have both short and long-term debilitating outcomes which may be physical and 
psychological. The effects of disaster can be exacerbated by risk factors including personal 
or socio-demographic factors such as personality, and previous traumatic experience, and 
other external factors such as lack of intervention or support. However, research evidence 
indicates that the effects of disasters on the individual could be mitigated to a large extent 
by certain personal and external factors. Some personal factors include self-efficacy, belief 
in just world and resilience. External factors include professional psychological 
interventions, social support and religiosity. There is the need for scientific research to 
establish the risk and protective factors for disaster victims and to guide and enhance 
intervention policies for victims. Regardless of this need, attention has often been focused 
on the immediate medical or physical effects of disasters with limited psychological 
research and attention. 
Similarly, the physical outcomes are immediate and more obvious, and they often receive 
immediate and significant resources and attention with little effort on medium to long-term 
consequences which are usually psychological in nature. Much the same way, there is 
limited research on the long-term consequences suffered by disaster victims both globally 
and in Africa including Ghana. There is even less psychological research on the 
management and coping with the long-term consequences of disaster. Available anecdotal 
evidence on this subject suggests that there is limited or no database on victims (either dead 
or alive) in Ghana, neither is there documentation on intervention efforts aimed at mitigating 
the long-term effects of disaster. This is in spite of growing evidence that survivors of 
disasters usually live with dire effects that disrupt their lives. This creates a huge research 
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gab regarding knowledge on the psychological consequences of disaster on victims and how 
interventions are determined by such knowledge in Africa especially Ghana. 
Globally, studies have explained the negative effects of disasters (Shultz, Neria, Allen, & 
Espinel, 2013; Walker-springett, Butler, & Adger, 2017). However, how victims deal with, 
manage and/or avoid the challenges after adversity is worth exploring in detail at specific 
cultural levels. Studies indicate that inasmuch as several people develop PTD after a disaster 
experience, several others rather grow and get stronger after they experience disasters (e.g. 
Smith, Joseph, & Nair, 2011; Zamora et al., 2017).  
It is important to investigate the factors that promote growth among victims as well as the 
factors that trigger distress among victims. In the current study, both protective and risk 
factors are investigated concurrently among victims who have not received any professional 
psychological interventions. These victims had to struggle on their own to deal with the 
negative impacts of the disaster. This will help to understand how individuals navigate the 
psychological, physical and social processes to adjust to the effects of disasters. The current 
study also employs a mixed methods approach that presents a better opportunity to 
understand the factors determining PTD and PTG among victims instead of the single 
method approach in most studies. 
 
1.3 Aims of the Study 
The study aimed to explore the factors that trigger the development of PTD and the factors 
that militate against PTD in order to promote PTG. In this regard, the role of different 
protective factors against post disaster distresses and how these factors operate in mitigating 
the development of the distress were examined. This study also aimed to establish the forms 
and levels of post disaster distresses among the disaster victims. The study also sought to 
identify the risk factors associated with the development and maintenance of post disaster 
distress among disaster victims. Finally, the study sought to understand the story of disaster 
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victims in Ghana. It explained their lived experiences after disaster and how they have 
managed to deal with the after effects. These aims are summarized as follows: 
1. To understand the lived experiences of victims of disasters in Ghana (how they 
survived, their strengths) 
2. To identify risk factors for the development and/or maintenance of posttraumatic 
distress among disaster victims 
3. To identify protective factors for the development of posttraumatic growth 
4. To find out the link between posttraumatic distress and posttraumatic growth among 
disaster victims 
 
1.4 Rationale for the Study 
Insofar as research into disaster needs a drastic effort within the African context, there is the 
need to drive this move towards the positive angle. There is the need to explore the strength 
and/or resources capable of protecting victims of disasters in order to create a viable support 
for them after adversities. Indeed, studies globally have sought answers to the question of 
what negative effects disasters cause. However, the manner in which people deal with, 
manage and/or avoid these negative challenges after adversity is a matter worth exploring 
in detail at specific cultural levels. 
It is imperative to develop understanding of the capabilities of people and their quest to 
develop from challenges. Thus, in disaster research, there is the need for a positive attention 
rather than negative views only. This study therefore seeks to explore the factors that help 
victims to better manage or deal with the negative effects of disasters thereby resulting in 
posttraumatic growth, in addition to understanding the challenges and the risks for such 
challenges among victims within an African context. 
 
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 1.5 Significance of the study 
Apart from natural disasters, there are other adversities that many people suffer with huge 
potential for psychological damage. There are several of such vulnerable groups in society 
who could barely understand what they are going through. Therefore, it is important to 
capitalize on some core promotive/protective factors that can help with their situation. This 
study is a purely positive psychological agenda with the goal of establishing the factors that 
matter most in the face of an adversity for growth. 
The current study will explore the prevalence and extent of psychological distresses among 
victims of disasters in Ghana. Meanwhile, this exploration will be done against the back 
drop of which factors could impede the incidence and extent of the distresses. By so doing, 
the study will establish clear relationship between various protective factors against post 
disaster effects. 
Findings of this study will widen understanding of the experiences of disaster victims. It 
will provide the grounds for better intervention programmes and support from relevant 
stakeholders. 
 
1.6 Organization of the Thesis 
This thesis is organized under five (5) chapters using a mixed method (specifically the 
concurrent nested mixed methods) approach. In chapter one, the general background of the 
study is presented. It also presents the problem statement and objectives of the study. The 
chapter also presents the relevance of the study. Chapter two of the study presents the 
theoretical basis of the study and review of related studies. Chapter two also contains the 
specific hypotheses to be tested by the quantitative component of the study and the research 
questions to be answered by the qualitative component of the study. It also presents the 
operational definition of terms. In chapter three, the methodology of the study is reported. 
This includes the philosophical basis of the study, the study approach and ethical 
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considerations. It also presents the procedures for the quantitative and qualitative data 
collection and data handling. Chapter four is the results section of the study. It consists of 
the findings of both the qualitative and qualitative studies. Chapter five presents the 
discussion of the findings of the study, implications of the findings, limitations of the study, 
recommendations, and conclusions.  
 
 
  
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CHAPTER TWO 
LITERATURE REVIEW 
2.0 Introduction 
Disaster research continues to receive theoretical and empirical interest over the years. This 
has resulted in a good amount of literature on the subject. There are several theoretical 
foundations explaining the impact of disaster among victims. This chapter reviews some 
theories that give meaning to both the salutogenic and pathogenic effects of disasters. The 
chapter also contains a review of empirical studies on disaster and its impacts across the 
world.  
 
2.1 Theoretical Framework 
This study is guided by two fundamental perspectives on the effects of traumatic events. 
These are the pathogenic perspective and the salutogenic perspective. The pathogenic 
perspective identifies that traumatic experiences produce distresses collectively called 
posttraumatic distress in this study (Dekel et al., 2012). The salutogenic perspective of 
trauma directs attention to the fact that traumatic events produce positive outcomes and 
psychological experiences among victims (Dekel et al., 2012). These different views have 
received empirical research and theoretically supported some of which are discussed below 
in this chapter. 
2.1.1 Posttraumatic Distress Theory 
The Theory of Shattered Assumption (Janoff-Bulman, 1992) 
The Theory of Shattered Assumption is a social cognitive theory developed by Janoff-
Bulman in 1992 which explains the relation between individuals’ beliefs about the world 
and their emotional reaction after the experience of trauma (Edmondson et al., 2011). These 
beliefs or assumptions afford the individual a sense of control and stability.  
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There are three basic assumptions underlying the Theory of Shattered Assumption. The first 
assumption is that, the individual believes that the world is predictable or meaningful. 
Second, the individual believes the world is just/benevolent. Third, the individual believes 
the self is worthy. This gives the individual a sense of purpose of the world where things 
are believed to happen for a deserving reason. This also instils a sense of predictability of 
the world in the individual. They tend to believe that once one is a good person, s/he is 
insulated from negative events. A sense of control over the world emerges where one feels 
all will be well through being cautious, and preventive (Hashim, 2016). The second 
assumption that the world is benevolent makes an individual believe that the world is full 
of goodness and people are mostly well-meaning. The individual perceives others to be 
helpful and less harmful (Janoff-Bulman, 1992). The third assumption of the Theory of 
Shattered Assumption that the self is worthy accords the individual a good sense of self (i.e. 
self-worth). When this belief about the self as positive and moral is held and by staying so 
and responding to the world’s goodness and justice, negativity becomes impossibility 
(Hashim, 2016). 
These assumptions of the theory indicate that people perceive the world and people in it 
around them to be reliable and well-meaning. Thus, as much as an individual behaves 
rightly, they must not be stricken with adversities. However, these assumptions about the 
world and the self can be significantly contradicted and challenged by events in the same 
world around the person. Events such as disasters that are unpredictable often possess the 
highest potential of thwarting the individual’s assumptions (Hashim, 2016). According to 
the theory, the assumption of living in a world that is supposed to be harmless as far as one 
behaves appropriately becomes defeated when disasters occur without an individual’s fault. 
This shatters the very core beliefs held about the world, thereby producing a feeling of 
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helplessness and creating a conflict within one’s beliefs and the realities of the world 
(Edmondson et al., 2011). 
According to Janoff-Bulman (1992) and Nygaard and Heir (2012), people with high positive 
assumptions about the world suffer the greatest distress especially on their first traumatic 
encounters. They are however said to recover rather quickly. This is because people with 
previous traumatic encounters experience more post traumatic distress because they might 
not have recovered fully from the previous effects before a new trauma may occur and not 
necessarily because of their assumptive world view (Resick, 2001). Thus, a persons with a 
history of traumatic experiences will recover slower than people of first time traumatic 
experience. 
In effect, according to the Theory of Shattered Assumption, posttraumatic distress (PTD) 
such as PTSD emanates from the hopelessness felt due to the distortion and shattering of 
one’s original assumptions about the world causing fear, worry, intrusive thoughts and 
emotional breakdown.  
It is however argued that Janoff-Bulman’s retrospective self-report data in developing the 
theory may be problematic and suggested that data could have been a prospective one (Mills, 
2010). For this reason Mills (2010) conducted a prospective study and realised that trauma 
was not related with peoples assumptions about the world in general. 
 
The Emotional Processing Theory (Foa & Kozak, 1986) 
Foa and Kozak (1986) developed the Emotional Processing Theory (EPT) in an attempt to 
unify the explanation and treatment of anxiety and related disorders. However, the theory 
has been extended to challenges of victims following traumatic experiences. 
The main tenet of the theory is that, people develop fear when cognitive networks related to 
the fear stimulus get activated and when a meaning of danger or threat is assigned to the 
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stimulus. A prolonged fear produces a pathological cognitive structure or schema that 
reinforces fear and disruptive behaviours such as avoidance, escape and dissociation. 
According to the theory, engaging in such behaviours disallows people from a constant 
contact with the fear stimulus so as to disconfirm the ‘danger meaning’ they assign to the 
stimulus. The experience of this fear produces physiological arousal in addition to the 
disruptive behaviours that represent symptoms of PTD. A wide range of stimulus tends to 
activate the fear structure. Therefore, people with anxiety problems such as those occurring 
after traumatic experiences tend to view the world as generally dangerous and themselves 
as incompetent. The sense of self-incompetence is also promoted when people imagine how 
they acted during the trauma. These beliefs further strengthen the pathological cognitive 
structure and exacerbate posttraumatic symptoms such as memory fragmentation and 
disorganisation. 
Like the theory of shattered assumptions, Foa and Kozak (1986) explain that PTD and 
associated symptoms are significantly influenced by people’s pre-existing perception about 
how safe or unsafe the world is and their personal competency or incompetency. They argue 
that, trauma violates an individual’s perception of the safety of the world and strengthens 
the belief about self-incompetence. 
The theory indicates through the work of Foa and McNally (1996) that through exposure, 
usually through prolonged exposure therapy a parallel non-pathological network/structure 
is formed. This becomes strengthened over time at the expense of the pathological one. This 
suggests that, the pathological structures can be rejuvenated after sometime if an individual 
reverts to dreading similar fear stimuli. This therefore explains why anxiety problems such 
as PTSD could be developed long after a traumatic experience.  
However, Foa and Cahill (2001) explained that people experience ‘natural recovery’ where 
people who experience high levels of PTD symptoms immediately after trauma may show 
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significant decline in such symptoms over time. According to Foa and Cahill (2001), natural 
recovery occurs through constant emotional processing of traumatic memories. This may be 
done through the utilisation of support from others and engagement of thoughts and felling 
about the trauma. Failure to do so may result in chronic PTD.  
 
2.1.2 Posttraumatic Growth Theory 
The Organismic Valuing (OV) Theory of Growth (Joseph & Linley, 2005) 
The OV theory is grounded in the original Rogerian concept of organismic valuing process. 
According to this theory, trauma victims engage in three possible cognitive processes to 
psychologically resolve their traumatic experience including; 1) they assimilate the new 
experience and this leads them back to a pre-trauma baseline which disposes them to 
retraumatisation, 2) they accommodate the new experience negatively, leading to distress, 
and 3) they accommodate the new experience positively and this results in growth because 
they have resolved the new experience and have developed a new worldview in light of the 
current traumatic experience. This means if a disaster does not kill the individual, then it has 
the tendency to make the individual stronger. 
The organismic valuing process is a humanistic perspective about how people view life and 
what they want from it. It maintains that individuals know what is right for them and that 
they will work towards their own good in order to progress (Joseph, 2009; Joseph & Linley, 
2006). Owning to its background, this concept posits that people are innately disposed to 
seeking actualization, a position that agrees with Abraham Maslow’s idea that confrontation 
with tragedies elicits the quest to self-actualise (Maslow, 1955). This suggests that people 
are naturally more likely to look for benefits in any circumstance (Sheldon, Jarndt, & 
Houser-marko, 2003). 
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The Organismic Valuing (OV) Theory of Growth is a fall out from several ancient 
ideologies on how human beings have innately longed for growth and to stay stronger so 
long as they have life. 
According to this theory, when people experience disaster/trauma, they process the trauma 
related information to either confirm or disconfirm their own views about the world (Joseph, 
2009; Wadey, Podlog, Galli, & Mellalieu, 2015). The OV theory indicates that traumatic 
experiences defeat an individual’s perceptions about the world. The individual must 
therefore either assimilate or accommodate the current information (Wadey et al., 2015). 
However, the tendency to accommodate or assimilate the current traumatic information 
depends on the relation between their existing views about the world and the current 
traumatic information. This creates an assimilation-accommodation task for the victim 
where information about the trauma might have to be integrated into existing memory 
(assimilation) or the existing memory adjusted properly to accommodate the new traumatic 
information (Joseph & Linley, 2006) (This is depicted in Figure 2.1 below). Since growth 
is principally about forming new views about the world, adjusting one’s existing memory 
or assumptions about the world to accommodate the new traumatic experience/information 
facilitates growth (Joseph & Linley, 2006).  
According to Howells and Fletcher (2015), accommodating the current traumatic 
information forms the basis for growth because whether positive or negative there is the 
formation of a new assumption about the world. However, Joseph and Linley (2006) argued 
that the formation of new positive assumptions indicates a move from a pre-disaster state to 
a healthy posttraumatic state that promotes growth. The important issue is that the victim’s 
perception or assumption has to change (Janoff-Bulman, 1992). For example, for a victim 
of a building collapse to develop posttraumatic growth, s/he may have to avoid forcing the 
incidence into her existing schema of assumptions like ‘but the world should be fair, why is 
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this happening to me’, and rather modify her existing schema to accommodate the new event 
such as beginning to think that the world is not predictable, anything can happen at any time 
and that there is the need to take precaution and be personally strong. 
According to Joseph and Linley (2006), this growth is facilitated by supportive social 
environment where the individual may obtain basic human need such as autonomy, 
relatedness and competence. Thus, adversities will create the room for new models about 
the world and a new sense to exist and pursue actualization (Maslow, 1955). Therefore, 
growth after trauma as against distress is a matter of utilizing the traumatic event to facilitate 
a renewed sense of self, duty and worth. The factors available against PTD in one’s life must 
be duly utilized in order to grow. Therefore, these factors are designated as being protective 
against PTD. 
 
Fig. 2.1:  
Organismic valuing theory of growth following adversity. Adapted from Joseph & 
Linley, 2005 
 
In the figure 2.1 above, an individual’s assumptive view (view about the world) is tempered 
with by a traumatic event. This event is then processed by the individual by either 
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assimilating or accommodating into the existing schema of views about the world. 
Assimilation returns the individual to a pre-trauma state whereas accommodation results in 
a new world view. A positive accommodation leads to posttraumatic growth. 
   
2.2 Review of Related Studies 
There are several studies on the nature and the impact of disaster. Some of these studies are 
reviewed in this section. The literature review is organised to present the impacts of 
disasters, posttraumatic distress (PTD) and risk factors, posttraumatic growth (PTG) and 
protective factors and the link between PTD and PTG. 
 
2.2.1 The Negative Impact of Disaster 
Disasters have commonly affected lives directly or indirectly in areas where they occur. The 
number of lives affected by disasters continues to increase year after year (Dolman et al., 
2018; United Nations, 2015; Guha-sapir, Vos, & Below, 2011) as the incidence of disasters 
continue to increase. The United Nations’ 2015 disaster analysis indicated that billions of 
lives are affected in various ways with serious economic impact over the past decade due to 
disasters. Indeed, all these lives affected suffer the effects of disasters in diverse forms. 
Communities and economies suffer adversely. Some of these effects are reviewed below. 
 
Physical Impact of Disaster 
Several physical, economic and political effects of disasters have been documented. Some 
of these effects are direct or indirect, immediate or delayed. Whichever way, they present 
significant impact on the individual and the community at large. Ultimately, the survival of 
victims in the midst of all these effects of the disaster tends to be grossly affected leading to 
post disaster distress.  
 Du, Fitzgerald, Clark, and Hou (2010) recorded some of the physical impacts of flood 
disasters especially to include injuries, disease epidemics, snake bites, and loss of 
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infrastructure. In their attempt to investigate the circumstances leading to death during flood 
disasters, Jonkman and Kelman (2005) reported that about two-third of the deaths are 
through drowning and these are often men and high risk taking individuals. The Emergency 
Events Database (EM-DAT) (2015) disaster report shows that floods occur more in Africa 
and Asia than in other continents and that the global incidence of floods will increase over 
the years. The report indicated that billions of people are adversely affected by weather-
related disasters annually with thousands of lives lost across the world due to floods, storms 
and related disasters.  
According to a study by Paul, Sharif, and Crawford (2018) based on data from 1959 to 2016 
in Texas, fatalities recorded from hydrometeorological disasters over the 58year period 
show a consistent increase in statistics. According to their study, the fatalities are twice as 
higher among males than in females. They also found that the adult population is the high 
risk group. Losing loved ones during disasters increases the psychological impacts of 
survivors (Coker et al., 2006; Dewaraja & Kawamura, 2006). The more disasters occur, the 
more lives are lost (Coker et al., 2006; Neuner, Schauer, Catani, Ruf, & Elbert, 2007) and 
survivors will in turn be affected. Thus, many lives have been lost in Ghana and relations of 
these people and many other who witnessed their death may be grossly bedevilled with 
mental health complications.  
Noe et al. (2016) conducted a descriptive study of the nature of illnesses and injuries the 
American Red Cross treated after hurricanes Gustav and Ike. They reported in the study that 
the major reason for treatments was pains. Survivors of disasters may suffer varying forms 
and degrees of injuries (Lindell & Prater, 2004). In the case of explosions and wildfires, 
there are usually burns, bruises, deformations and loss of body parts. Floods may also 
present injuries from bottle and stick pricks, bites and broken bones. These loses have 
implications for psychological experiences among the victims. Frankenberg et al. (2008) 
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found that in a tsunami community in Indonesia, victims who experience injuries tend to 
suffer high levels of psychological disruptions.  
Disasters affect human nutrition and growth as well. Among children in rural India, 
Rodriguez-llanes, Ranjan-dash, Degomme, Mukhopadhyay, and Guha-sapir (2011) found 
that in an area affected by flood disaster, the children are significantly stunted than their 
non-flooded area cohorts. The EM-DAT (2015) report corroborates this finding that floods 
often wash away farms thereby resulting in food shortage and famine.  
There has been massive property loss and/or damage due to disasters for decades (Lindell 
& Prater, 2004). A direct effect of this is the high level of homelessness that follows the 
incidences of disasters (Paidakaki, 2012). Typically, disasters affect buildings, roads, 
bridges and commercial centres. This affects livelihoods and people’s mental health 
(Frankenberg et al., 2008). 
In the general population, natural disasters have been reported to result in several infectious 
diseases some of which include malaria, typhoid fever, respiratory infections, viral hepatitis, 
and meningitis (Kouadio, Aljunid, Kamigaki, Hammad, & Oshitani, 2012). Vachiramon, 
Busaracome, Chongtrakool, and Puavilai (2016) studied 96 victims of flood in Thailand 
who presented series of skin infections and found that majority of the victims developed 
eczema following the disaster. Other victims had itches and skin macerations in their toes 
colonized with various microorganisms. These physical and usually acute conditions further 
increase the psychological impacts the victims’ experience. 
Because disaster affects human lives and tempers significantly with society and national 
assets, they have been deemed to present economic cost or impacts (Ladds, Keating, 
Handmer, & Magee, 2017). Ademola, Adebukola, Adeola, Cajetan, and Christiana (2016) 
found in a study in Nigeria that disasters significantly affect dwelling units, household assets 
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and children’s schooling. Access to utilities such as water and electricity was also heavily 
challenged. They found that victims spent huge amounts on the average to replace their 
losses with rural folks and males spending more. They therefore recommended an insurance 
cover and government support for victims of such disasters. The post disaster expenditure 
can produce agony and distress as victims may have to recount their losses and replace them.  
 
Economic effects of Disasters 
The economic impact of disasters can be at the individual or national levels. The individuals 
affected might have incurred significant financial, and property losses and may have to 
spend so much to recover. The lack of personal economic ability could be a source of distress 
for the victims. At the national level, a lot would be needed to assist individuals, and 
communities affected by the disaster. When the needed national support is not readily 
delivered, victims may suffer heightened levels of distress, feeling abandoned, and anxious 
of the how to face the future. 
Klomp (2016) studied how large-scale disaster can affect the economic growth of countries. 
The study used satellite data due to poor data quality on GDP of most economies that record 
disasters. It was found that climatic and hydrological disasters reduce the luminosity in 
emerging/developing economies and geophysical and meteorological disasters negatively 
affect the intensity of light in industrialized economies. The study revealed that the impact 
of a disaster depends on the nature (scope and size), the location of the disaster, the financial 
status and the quality of political institutions of the country involved. Again, Klomp and 
Valckx (2014) performed a meta-analysis of studies that examined the impact of disasters 
on economy growth. Following an extensive evaluation they found that there is a negative 
impact of natural disasters on economic growth and this tended to increase over time. They 
indicated that, this impact is most significant in developing countries. 
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Brei, Mohan, and Strobl (2018) studied how disasters especially hurricanes affect the 
banking sector in the Eastern Caribbean. In their study, they observed that when hurricanes 
occur, there are less investments and high deposit withdrawals from the banks. According 
to them, this results in negative funding shock which forces banks to fall on their liquid 
assets and that prevent funding for post disaster recovery interventions. 
Pfurtscheller (2014) analysed both quantitative and qualitative findings on the regional 
losses due to disasters. They revealed that disasters cause a significant reduction in gross 
regional products where for example, disruptions in traffic networks result in a decline in 
regional economies. Generally, there appears to be consensus in the literature regarding how 
detrimental disasters can be to economies. These effects include human losses which 
eventually affect manpower, physical infrastructural damages, productivity, and trade. 
There are also non-market losses such as damage to historic sites, recreation, relevant 
cultural assets, and others that affect the end user in the economy (Cochrane, 2004).  
 
Political effects of Disasters 
Disasters also present serious political effects that can further compound the impact on the 
individual victim, the country and/or the world at large. In Ghana for example, at the local 
assembly levels people express disgust for political leaders because they feel that they have 
not done their work. This affects voting, contribution to development and nationalism.  
There is a changing trend in findings regarding the political effects of disasters in recent 
times. In the past however, disaster analysts/researchers indicated that disaster produce 
significant political impact by causing instability, distrust and related outcomes. This has be 
attributed to scarcity of basic resources among affected communities after disasters 
especially in developing countries (Brancati, 2007). Brancati (2007) studied the impact of 
earthquakes on intrastate conflict by examining 185 countries between 1975 and 2002 and 
found that disasters increase the probability of conflicts. This probability was indicated to 
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be even higher for countries that had pre-existing conflicts, and poor domestic abilities. 
Omelicheva (2011) also found that disasters pose marginal conflict threats to states but 
added that where there are pre-existing challenges and crises in a particular country, the 
impact of disaster politically is easily felt. Thus, disasters may only serve as a catalyst 
(Raleigh, 2010). 
Xu, Wang, Shen, Ouyang, and Tu (2016) noted that apart from the physical and mental 
health challenges associated with disasters, they trigger social conflicts. Fisher (2010) found 
in a qualitative study among post-tsunami victims in Sri Lanka that even though there may 
be an already existing gender-based violence in the society, violence against women was 
exacerbated by the disaster. Berrebi & Ostwald (2018) also reported that between the 
periods of 1970 and 2007 across 167 countries, disasters have shown strong link with 
terrorism and fatalities. They found that there is an immediate increase in transnational 
terrorism following disasters whereas domestic terrorism incidences take longer to occur 
because the public may need time to recover and access interventions instituted by 
government. 
In the United States Institute of Peace Special Report by Tipson (2013), it was documented 
that disasters in different parts of the world generated political unrests and disturbed national 
peace. It indicated that disasters expose government incompetence and indifferences and 
social inequalities, thereby generating political oppositions. For example, the report 
revealed that the current state of Bangladesh came into being as a result of poor Western 
Pakistan government intervention during a cyclone which hit Eastern Pakistan in 1970. The 
report also mentioned that there were uprisings in Arab states following droughts in 2010 in 
Russia. This was buttressed by Johnstone and Mazo (2011) that even though threats of such 
conflicts were always observed within the Arab states, they became apparent during the time 
of the droughts. They described disasters as ‘threat multipliers’ where even though they may 
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not by themselves spark conflict, they fuel it. The conflicts that may emanate as a result of 
disasters may also further traumatise individuals who may witness them. 
It appears that the impact of disasters on political stability often remain subtle. When deeper 
search and interrogation is conducted, the true state of affair gets revealed. There seems to 
be some level of connection between some forms of political challenges and disasters in 
states with frequent disasters across the literature. The instability generated by disasters will 
further produce disasters especially man-made ones such as riots, conflicts that will leave 
many people traumatized.  
In summary, the literature has ample evidence that disasters do not only affect the individual 
but families and societies and nations at large. This includes economic impacts such as 
scarcity of utilities, consumables and poor GDP (Klomp, 2016; Ladds et al., 2017), political 
impact such as rebellious activities and terrorist intentions (Brancati, 2007) and physical 
challenges such as destruction of properties, farms and disease epidemics (Du et al., 2010). 
These evidences in the literature show the breath of disaster impacts, making it imperative 
for an increased interest in disaster research in order to avert the challenges that follow them 
among victims and communities at large 
 
2.2.2 Disasters and Posttraumatic Distress 
Researchers have broadly pointed out that disaster victims most likely suffer posttraumatic 
stress disorder (PTSD) (e.g. Chung & Kim, 2010; Dewaraja & Kawamura, 2006; Mason, 
Andrews, & Upton, 2010; Neuner et al., 2007). According to Haqqi (2006), people who 
experience disasters exhibit several symptoms including anxiety, restlessness and dizziness. 
Griensven et al., (2006) studied the prevalence of the symptoms the PTSD, depression and 
anxiety among tsunami victims in southern Thailand. In their multistage, cluster population-
based mental health survey using displaced and non-displaced victims, they found that of 
the 371 displaced victims, 12% experienced symptoms of PTSD, 37% experienced anxiety 
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symptoms and 30% reported symptoms of depression. For non-displaced victims, out of the 
322 participants used, there were 7%, 30% and 21% for PTSD, anxiety and depression 
symptoms respectively. This indicates that generally, disaster populations experience more 
posttraumatic symptoms compared to their non-disaster counterparts. This point was further 
supported by the a study among victims of the September, 9 attack in New York by Person, 
Tracy, and Galea (2006) to find the prevalence of depression and related factors six months 
after the disaster. They found that 9.4% of the 2700 participants show higher probability of 
major depression. Similarly, Hussain, Weisaeth, and Heir (2011) studied a sample of 2004 
tsunami victims from Norway 2.5years after the disaster and found that 28.6% of the victims 
had developed major depressive disorder among other disorder such as social anxiety 
disorder, specific phobia, dysthymic disorder, agoraphobia and PTSD. 
Suicadality is an impact of disaster that reflects the strong psychological effects disasters 
produce among survivors (Kolves, Kolves, & De Leo, 2013). Orui and Harada (2014) noted 
an increase in the suicide rate among females during the first seven months after the 2011 
Great East Japan Earthquake. Guo et al. (2017) also found in a cross-sectional survey using 
1369 victims that eight years after the Wenchuan earthquake in China, 9.1%, 2.9% and 3.3% 
of the participants reported suicidal ideation, plan and attempts respectively. This was even 
strengthened by experiences of PTSD and depressive symptoms. 
Jones, Ribbe, Cunningham, Weddle, and Langley (2002) followed up on fire disaster 
victims six weeks after the disaster in the United States of America (USA). They used 
standard assessment procedures on victims they classified as high loss and low loss victims 
across children, adolescents and their children. Their findings indicated that victims in 
general reported PTSD and there was a strong positive correlation between the levels of 
PTSD among children and their parents. However, victims with high losses experienced 
higher levels of PTSD compared to those with low losses. 
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Fang and Chung (2019) studied the relationship between PTSD and psychiatric co-
morbidities among university students in China. It was found in their study that, PTSD is 
associated with a significantly rise in psychiatric co-morbidities following disasters. This 
association was found to be mediated by cognitive distortions and alexithymia. Gargano, 
Li, Millien, Alper, and Brackbill (2019) reported that disaster present long-term 
psychological effect for victims. In their study, they examined the role of a previous disaster 
(Hurricane Sandy) in the development of PTSD symptoms among 9/11 disaster. It was 
found that the previous disaster significantly predicted PTSD in victims of current disaster.  
Again, Tapsell (2000) qualitatively studied impact of flood on victims of the 1998 flood 
disaster in the United Kingdom (UK) two years after the disaster. Prominently, their study 
found that victim expressed anxiety about future flooding. Victims also reported loss of 
confidence (distrust) in authorities responsible for handling such events of disaster. From 
the foregoing, the literature suggest that people who experience trauma either from natural 
or man-made disasters are predisposed to psychological distresses by virtue of their 
exposure to the trauma. This fact is not limited to a certain category of victims. Regardless 
of protective factors, disasters pose posttraumatic challenges for victims. 
The above findings concur with Mason, Andrews, and Upton (2010) who assessed flood 
victims in the UK and found symptoms of PTSD, Depression and anxiety. Their study also 
reported poor coping strategies among victims who typically used detached, avoidant and 
rational coping styles.  
Neria, Nandi, and Galea (2008) conducted a systematic review of 284 studies published on 
disaster and PTSD. Their study identified three kinds of disaster namely natural disasters, 
technological disasters and man-made disasters. They found that PTSD is there is a 
substantial burden of PTSD among victims of both man-made and natural disasters across 
the globe since 1980. Similarly, Dogan (2011) found among adolescents 13 months after an 
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earthquake in Turkey in 1999 that 76% of the victims experienced moderate to severe levels 
of PTSD symptoms. They also observed that adolescent victims showed an increase in 
behavior problems. 
Also, Wilson-Genderson, Heid, and Pruchno (2018) reported that different types of disasters 
produce psychological distresses among victims. They however realised that an individual’s 
emotional reactions during the disaster affects the level of distress that is experienced. This 
means that there are some factors that are risk agents for the development or exacerbation 
of posttraumatic distresses. 
The negative impacts of disaster have been well documented. However, most of these 
studies reviewed above used quantitative methods only. This means that very detailed 
information that could be obtained through qualitative approaches is often lost in the study 
of disaster and impacts they have on victims. There is the need to investigate the adaptation 
processes among disaster victims using in-depth qualitative interview/approaches in order 
to establish detailed understanding of the factors. Meanwhile, there are several factors that 
influence the development and maintenance of the distress levels among the victims. Some 
of these factors are reviewed below. 
2.2.3 Risk Factors for Post Disaster Distress 
In a review conducted by Neria et al. (2008), they found that several factors are related to 
posttraumatic distress among survivors of disasters. They found such factors as lack of 
social support, severity of loss in the disaster, dear death experiences in the disaster, injuries 
and witnessing deaths in the disaster. Indeed, as indicated above that that social support 
significantly predicts PTG, it is understandable that Neria et al. (2008) reported that a lack 
is social support influences the level of post disaster distress. 
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One prominent risk factor for PTD is the victim’s previous traumatic history (Benjet, 
Borges, & Medina-mora, 2010; Breslau, 2002). Seng et al. (2013) conducted a prospective 
study comparing a group of mothers maltreated in childhood with a non-maltreated in 
childhood group to ascertain their level of PTSD, postpartum depression and wellbeing. 
They observed that women who were maltreated in their childhood experienced more 
PTSD, depression and poor wellbeing in their adulthood compared to those who were not 
maltreated. Studies have suggested that people who experienced trauma in early lifetime 
become dependent on substances in adult life (Brady & Back, 2012; Schuck & Spatz, 2001; 
Widom, White, Czaja, & Marmorstein, 2007). Such early lifetime experiences are noted by 
Enoch (2011) to alter neural networks thereby inducing an enduring psychologically 
unattractive behaviours. Enoch (2011) reported that the experience of trauma in the early 
years of life results in drinking problems in adolescence and early adulthood. Again 
(Kendler et al., 2000) indicated that women who experienced early childhood sexual abuse 
are at higher risk of developing psychiatric disorders. Their research using 1411 adult female 
twins therefore found that childhood sexual abuse is associated with several adult 
psychopathologies including bulimia and alcohol and other drug dependencies (Kendler et 
al., 2000).  
Anda et al. (2006) studied a sample of 17,337 adults who experienced several early lifetime 
adversities such as witnessing domestic violence, abuse and household dysfunction. They 
observed that these adults showed increase levels of somatic, affective, aggressive, memory, 
substance abuse, affective and sexual problems in their lives. Binelli et al. (2012) as well 
found among a sample of 571 Spanish University students in a cross-sectional study that 
there is a high positive relationship between family violence experienced in childhood and 
social anxiety problems in adulthood. However, their study observed no significant 
relationship between other traumatic childhood experiences such as loss of a close relation, 
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an emotional, physical or sexual abuse and such social anxiety problems (Binelli et al., 
2012). Similarly, it was found among such early trauma victims that they have smaller social 
networks and poorer close relationships (Ford, Clark, & Stansfeld, 2011). These victims 
also suffer psychotic disorders and ADHD (Björkenstam, Burström, Vinnerljung, & 
Kosidou, 2016). 
In a 45 year prospective study, Clark, Caldwell, Power, and Stansfeld (2010) established the 
relationship between the experience of previews early childhood adverse events and 
psychopathology across the lifespan. They noticed that having adjusted for socioeconomic 
factors, childhood traumatic experiences associated with psychopathology such as anxiety, 
mood and affective disorders through adolescence, early and mid-adulthood without 
attenuation. In this regard, Collishaw et al. (2007) reported in their study that only a few 
victims of previews traumatic experiences did not show mental health challenges as a result 
of quality adult love relationship, parental care and personality. Their study actually 
revealed an increase in psychiatric conditions among adolescents and adults with past 
traumatic experiences (Collishaw et al., 2007). 
Personality factors play an important role in how individuals adjust to adverse experiences. 
Neuroticism has typically been demonstrated to be impactful in the development of 
posttraumatic distress among victims of disasters (Breslau & Schultz, 2013; Miller, 2004). 
According to Ogle, Siegler, Beckham, and Rubin (2017), the mechanism by which 
neuroticism fosters PTD is that it magnifies the centrality availability and the emotionality 
of trauma memories. They arrived at this conclusion in their longitudinal study of adults 
with traumatic histories or varied intensities. They found that individuals with high 
neuroticism scores about three decades apart in young to middle adulthood reported 
traumatic memories accompanied by ‘more intense physiological reactions, more frequent 
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involuntary rehearsal, and greater perceived centrality to identity in older adulthood’ (Ogle 
et al., 2017). 
Lundell et al. (2017) observed in a Swedish cohort study of post abortion psychological 
adjustment that comparatively, women who experience higher levels of PTSD and related 
symptoms scored higher on personality traits related to neuroticism such as somatic trait 
anxiety, psychic trait anxiety, stress susceptibility and embitterment. This finding concurs 
with Jakši et al. (2012) whose systematic review of the literature reveals that PTD is 
positively associated with neuroticism and related personality traits such as negative 
emotionality, harm avoidance, novelty-seeking, self-transcendence, trait hostility/anger and 
trait anxiety.  
Sheikhbardsiri et al. (2015) also reported that among emergency medical service personnel 
who frequently face distressing work experiences, most of them that develop PTSD 
recorded higher levels of conscientiousness and neuroticism. Breslau and Schultz (2013) 
concluded from a prospective study on the role of neuroticism in the development of PTSD 
that indeed neuroticism is a major factor in the development of PTSD as a response to 
traumatic experiences. This was conducted using a large sample of 1007 participants who 
were observed at baseline and followed up on after three, five and ten years later. Their 
study found that about 5% of participants who had relative risks of PTSD after traumatic 
experiences in the 10year follow up had higher neuroticism baseline scores than the others 
(Breslau & Schultz, 2013). 
Vujicic and Randelovic (2017) examined the predictive role of personality traits in 
depression, anxiety and stress among secondary school students using the five factor 
personality traits. They found out that neuroticism was the largest predictor for all of 
depression, anxiety and stress among the students 
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There have been several taxonomies of personality traits. However, the Big Five has 
featured prominently in most trauma studies. Is has also been common to find across the 
literature that most of the various classifications are related and have produced similar 
findings. From the foregoing, neuroticism appears to be a stronger predictor of PTD among 
most traumatised victims. 
 Cultural factors especially in terms of how relate and see themselves in relation to others 
matter in post disaster adjustment among victims. The concept of self-construal, composing 
of interdependence and independence has shown some link with post disaster struggles or 
adjustment. For example, Mordeno et al. (2016) identified that independent self-construal 
is highly related with all the domains of PTSD enumerated by the fifth edition of the 
Diagnostic and Statistical Manual (DSM). It has been argued that when people refuse to 
express their emotions to their social relations, they tend to experience higher psychological 
distress (Nimmagadda & Pallassana, 2000). This was clarified by Mordeno et al. (2016) to 
mean that when traumatic experiences are not properly expressed such as avoiding to seek 
help or not interacting with other people about the experience meaningfully, it will lead to 
elated trauma-related intrusive thoughts, avoidance of reminders and high arousal states. 
Jobson and Kearney (2006) established that in cultures where people utilise self-centred 
trauma memories, i.e. focusing on themselves on with regards to the traumatic event, they 
suffer more posttraumatic challenges compared to those who define their trauma in relation 
to others around them. This was demonstrated among Australians and Asians who are 
independent and interdependent respectively (Jobson & Kearney, 2006). Jobson and 
Kearney (2009) conducted a study to assess the impact of culture on negative cognitive 
appraisal among victims of traumatic experiences with and without PTSD. Their study 
revealed that victims with PTSD from independent cultures were generally higher on 
symptoms such as mental defeat, alienation and change and less control strategies compared 
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to those without PTSD. However, in interdependent cultures, there were no differences in 
the same symptoms except for alienation for both those with and those without PTSD. This 
agrees with their 2008 findings where individuals from independent cultures expressed more 
trauma-related cognitive challenges than those from interdependent cultures (Jobson & 
Kearney, 2008). 
The expression of depression symptoms has also been associated with cultural factors 
(Karasz, 2005). Shafi and Shafi (2014) argue that the cultural orientation of an individual 
reflects in how symptoms are presented and how the individual appreciates the condition. 
These differences have been noted in how different cultures express their depression and 
related features in terms of language (Loveys, Torrez, Fine, Moriarty, & Coppersmith, 
2018). Similarly, these differences have been shown for other psychological distresses such 
as anxiety disorders (Hofmann & Hinton, 2014; Lewis-ferna et al., 2011) and suicide 
(Lester, 2008). 
 
2.2.4 Disaster and Positive Outcome 
Even though disasters are most likely to produce distresses, there are some positive 
outcomes that can result from them. A study by Klasen et al. (2017) provides a significant 
insight for an understanding into the positive role of disasters. In their study, Klasen et al. 
(2017) identified among former Ugandan child soldiers that despite their severe exposure to 
trauma, a good percentage of the victims developed posttraumatic resilience. In this regard, 
they showed no symptoms of PTSD, depression and related disorders. They were also less 
prone to domestic violence, guilt and revenge. This former child soldiers were reported to 
have wanted to support society, work and be responsible. 
In the study of people forcibly relocated from their homes in the wake of political activities, 
Nuttman-shwartz, Dekel, and Tuval-mashiach (2011) found that victims with the adversity 
who exhibited low PTSD exhibited high PTG. This is a signal that when disaster help build 
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positive outcomes, the negativity associated with it is low. This emphasizes the need for 
building on the factors for resilience and/or growth following adversity. For instance, Bell 
and John (2019) observed that when victims of a tragedy use positive spiritual coping, they 
gain positive spiritual outcomes and this can build resilience and/or growth. 
As part of several findings, Macksoud and Aber (1996) observed in their study of victims 
of war that children who were separated from their parents and witnessed violence reported 
a more planful lives. They were also found to live a more prosocial life. Their study pointed 
these positive outcomes of the tragedy regardless of the fact that some of their participants 
reported other adverse outcomes of the trauma. 
Lev-wiesel, Goldblatt, Eisikovits, and Admi (2009) studied a group of nurses and social 
workers during the second Lebanon-Israel war in 2006. The study found that nurses showed 
higher PTG compared to social workers. Interestingly, their study indicated that personal 
resources which they termed as potency helped reduced vicarious traumatization among the 
participants whereas peri-traumatic dissociation increases PTG. 
Clearly, the literature provides the indication that adversity or traumatic events can lead to 
growth in some aspects of an individual. This can make the person psychological and 
socially better or stronger. This is the crux of the positive psychological argument for this 
current research.  
2.2.5 Factors promoting Positive Disaster Outcomes / PTG 
Several factors influence how disaster victims rise above the negative impact they suffered. 
These factors are reviewed under personal/demographic, psychological, and social factors 
under this section.  
 
 
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Personal/demographic factors affecting PTG 
It has also been noted that some demographic factors such as gender (Akbar & Witruk, 
2016; Vishnevsky et al., 2010), age (Milam, Ritt-olson, & Unger, 2004; Vloet, Vloet, & 
Bürger, 2017) and economic abilities (Cormio, Muzzatti, Romito, Mattioli, & Annunziata, 
2017; Teodorescu et al., 2012) assist with positive impacts after disaster experiences. 
In a meta-analysis of 70 studies by Vishnevsky et al. (2010), they observed that gender has 
a small to moderate impact on PTG. Particularly, they observed that females reported more 
PTG than males. This relationship was found to be moderated by age. Helgeson, Reynolds, 
and Tomich (2006) also conducted a meta-analysis of 87 studies to ascertain among other 
things the gender differences in PTG among victims of traumatic experiences. They found 
that there is indeed a difference in PTG among males and females with females reporting 
higher PTG than males. Similarly, Teixeira, Grac, and Pereira (2013) found in their study 
on the factors contributing to PTG among cancer patients that there is a significant gender 
difference among the patients in all aspects of PTG. In this view, the literature points to the 
fact that as females experience higher levels of PTD after a traumatic experience on one 
breadth (Birkeland, Blix, Solberg, & Heir, 2017; Macgregor, Clouser, Mayo, & Galarneau, 
2017; Olff, 2017; Olff, Langeland, Draijer, & Gersons, 2007), they also may be 
experiencing a higher level of PTG on the other (Jin, Xu, Liu, & Liu, 2014; Teixeira et al., 
2013). 
Age is another personal factor that has implication for how people endure the after effects 
of adversities particularly in terms of PTG among disaster victims (Xu & Liao, 2011). 
According to Patrick and Henrie (2016), there is however a complexity attached to the 
attempt to establish how age influences PTG. They point to the fact that as people age, they 
experience more adversities that affect their entire life and coping methods. For example, 
Lowe, Manove, and Rhodes (2013) assessed the levels of PTD and PTG among hurricane 
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victims and observed that older victims experienced higher PTG and higher PTD than their 
younger counterparts. On the contrary, Patrick and Henrie (2016), found that among trauma 
victim older adults reported less grief than middle adults, however its impact on the level of 
PTG was minimal.  
However, Milam, Ritt-olson, and Unger (2004) found in a study of PTG among an 
adolescent population that age significantly affects how victims grow after the experience 
of a disaster. Similarly, Cormio et al. (2017) studied the association between clinical, 
demographic variables, social support and PTG among cancer patients in Italy. They found 
that age as well as other demographic factors like employment, education significantly 
predicted PTG among the patients. 
The findings of Cormio et al. (2017) regarding the impact of employment on PTG creates 
an impression that socio-economic factors must be important in how disaster victims 
progress through the hard after-disaster times. Kunst (2017) also found that most victims 
who experienced higher levels of PTD were those who were without employments. 
Psychological factors that Promote PTG 
There are also a number of psychological factors that predict PTG following traumatic 
experience. Some of these factors discussed under this section include self-esteem, self-
efficacy, adaptation, resilience and self-control. 
Self-efficacy has been identified to facilitate posttraumatic growth (Mazor, Gelkopf, & Roe, 
2018). According to Benight and Bandura (2004), self-efficacy is the central factor that 
determines how people feel they can adapt to their environment and situations. It is the belief 
in one’s ability or power to gain control and achieve results and this occurs through 
motivational, cognitive and decisional processes (Benight & Bandura, 2004). Nygaard and 
Heir (2012) posit that self-efficacy is a potent factor for posttraumatic recovery. Thus, it 
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creates a sense of self-reliance and control. Their work on a sample of 617 Norwegians 
tsunami victims indicated that at least in the short term, self-efficacy is associated with lower 
levels of posttraumatic distress (Nygaard & Heir, 2012). This finding correspond with 
MacEachron and Gustavsson (2012) who also found among war veterans that self-efficacy 
correlated negatively with their PTD levels. 
A study by Cieslak et al. (2009) among HIV patients who survived Hurricane Katrina tested 
Benight and Bandura's (2004) model that self-efficacy predicts PTG. The results of their 
study showed that indeed, an individual’s self-efficacy positively correlated with their PTG. 
In a systematic review of the literature on the relationship between self-efficacy and 
psychological outcomes, Luszczynska, Benight and Cieslak (2009) found out that most 
studies reveal a significant association between self-efficacy and psychological health 
where self-efficacy was linked to lower PTSD levels and better somatic health.  
It has also been found that resilience, which is one’s ability to sustain a traumatic experience 
without experiencing posttraumatic distress (Bonanno, 2004) promotes growth among 
traumatic victims. Meanwhile, the theoretical stance on the difference between resilience 
and PTG has been confusing with some equating the two constructs (Tedeschi, Calhoun, & 
Cann, 2007). Hobfoll et al. (2007) for instance view PTG to be equal or superior to 
resilience. But (Westphal & Bonanno, 2007) contend that people are resilient in the face of 
traumatic events and that aids their growth following the trauma. 
There is a strong association between resilience and PTG within the literature. For example, 
Mahdi, Prihadi and Hashim (2014) observed among a sample of university students in Iraq 
that resilience has a significant influence on the development of PTG. Waysman, 
Schwanwald, and Solomon (2001) also found that hardiness among prisoners of war and 
veterans impacted the long term positive and negative changes following traumatic 
experiences.  Again, Yu et al. (2014) found in their study that certain factors facilitate PTG 
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and not much is known about them. Among such factors, they examined the relationship 
between social support, positive coping and resilience and PTG and found that all these 
factors significantly and positively related with PTG. 
Bensimon (2012) found in a study that correlated trait resilience and PTG among individuals 
with varied traumatic levels. It was found in that study that there is a significantly associated 
between resilience and PTG. Lee et al. (2016) also found among police officers who 
experienced traumatic situations that self-resilience help strongly to reduce PTSD 
symptoms and increased their levels of PTG. Similarly, Austin, Pathak, and Thompson 
(2017) studied the effect of resilience on PTG among emergency medical service 
professionals and found that there is a high correlation between their resilience and PTG 
and a negative relationship between resilience and secondary traumatic stress. 
Mindfulness, a factor related to resilience has also been related to PTG among traumatic 
victims. In a study of depression and PTG among Chinese adolescents who experienced 
tornado, Xu, Ding, Goh, and An (2018) found that dispositional mindfulness promoted PTG 
among the victims. They concluded that mindfulness affords an individual the potential to 
adopt adaptive coping against depression after the experience of traumatic events.  
Similarly, Garland (2007) reported that mindfulness bolsters adaptation to negative life 
experiences through positive reappraisal. This mechanism occurs where the individual 
adopts adaptive coping strategies by assigning positive meanings to the event and reframing 
the event as benign and well-meaning. This thus helps facilitate wellbeing. Again, Kearney, 
Mcdermott, Malte, Martinez, and Simpson (2012) investigated how mindfulness-based 
intervention can reduce symptoms of depression and PTSG among veterans and found that 
at six months of intervention, participants showed significant improvement in symptoms. 
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Some studies however did not find a positive association between resilience and PTG. For 
example,  Levine, Laufer, Stein, Hamama-Raz, and Solomon (2009) found in their study 
among terror and war victims of Israel that even though the two constructs are salutogenic 
outcomes of trauma, they are inversely related. Oginska-Bulik and Ogi´nska-Bulik (2016) 
also recorded in their study among fire-fighters experiencing job-related trauma that 
resilience is negatively related with PTG. This inconsistency may be accounted for by 
several factors including characteristics of the disasters studied, differences in cultural 
orientation and demographic factors. Clearly, the link between PTG and resilience needs 
more exploration due to the mixed findings and understandings put forth within the 
literature.  
Another psychological factor that promotes PTG among trauma victims is self-esteem. This 
is the value of the sense of worth one perceives of him/herself (Holland & Andre, 1994). 
The relationship between the self-esteem and PTG has been confirmed by Taku and Britton's 
(2017) study among adolescents in the United State of America who experienced some form 
of stressful life event. They found that self-esteem positively predicted PTG. Zhou, Wu, and 
Zhen (2017) also found in their study of earthquake adolescent victims that even when 
victims are well socially supported, it is their self-esteem that helps them to be able to 
develop PTG. 
Bradley, Schwartz, and Kaslow (2005) indicated that self-esteem serves as a resilience 
factor against the negative outcomes of adversities. In their study among low-income 
women African decent in America who experienced intimate partner abuse, they found that 
self-esteem contributes significantly to PTSD symptoms by mediating the link between 
abuse and PTSD (Bradley et al., 2005). Engelkemeyer and Marwit (2008) corroborated the 
relationship between PTG and self-esteem in their study finding among grieving parents 
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that self-esteem is negatively associated with grief intensity and positively related with 
growth scores. 
Some personality factors such as conscientiousness, openness have also been found to 
determine post disaster growth among victims. For example, Jia, Ying, Zhou, Wu, and Lin 
(2015) found among 638 survivors of the 2008 Wenchuan earthquake that there is a 
significant direct effect of extraversion on PTG. Also, Karanci et al. (2012) investigated 
how personality and posttraumatic stress interacted to affect PTG among accident survivors. 
They found that PTG was significantly related to conscientiousness, agreeableness, and 
openness to experience and this relationship was found to be moderated by posttraumatic 
stress. 
Most of the studies examining the role of the psychological factors for post disaster growth 
established that the factors play positive role in the development of growth following the 
experience of disasters. There however has not been enough understanding on how these 
factors also relate to the levels of distress following disaster experience. It becomes 
necessary to explore and to establish whether these factors could be counted upon for a 
reduction in the level of distress victims of disasters experience. 
Social factors influencing PTG 
Social support has a huge potential for recovery from traumatic experiences (Han et al., 
2019). According to Rzeszutek (2018), social support positively correlates with PTG. 
However, this correlation is mediated by positive affect. This is an important observation in 
that an individual’s emotional state may still impact on how support around can help in 
times of distress. Bhat and Rangaiah (2015) examined the impact of social support and 
conflict exposure on PTG in Kashmir, a cross-sectional study involving 803 college 
students. They found that conflict exposure and social support significantly correlated with 
PTG among respondents. Lee et al. (2015) investigated the role of social support on PTG 
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among American war using a mixed method approach. Their study found that social support 
is a high predictor of PTG especially among older veterans and those who obtained the 
support from their involvement with peers. Again, Prati and Pietrantoni (2009) conducted a 
meta-analytic review examining how social support and some other variables impact PTG. 
They found that the literature reported a moderate effect size of social support in PTG.  
Many populations experiencing distresses have shown the positive impact of social support. 
In the HIV/AIDS population for instance, patients have been shown to benefit immensely 
from social support and this has been recorded to associate significantly with PTG. For 
example, Rzeszutek, Oniszczenko, and Firla (2017) examined the association between 
social support and PTG among persons living with HIV (PLWH) in a one year longitudinal 
study using 73 participants. They recorded among other findings that social support is 
positively related with PTG among the patients. Similarly, Wei, Li, Tu, Zhao, and Zhao 
(2016) found among 790 children aged 6 to 17 years who acquired HIV through mother-to-
child transmission that social support mediated the impact of enacted stigma on PTG and 
provided a multiple level protection among the patients. 
Among cancer patients, a study conducted by  Karanci, and Erkam (2007) using 90 breast 
cancer patients revealed that social support is related to higher stress related levels among 
patients. A similar finding was obtained in a study by Yi, Zebrack, Kim, and Cousino (2015) 
among young cancer patients. They found that children with cancer depicted a level of PTG 
that is positively correlated with the social support they enjoy.  Nenova, Duhamel, Zemon, 
Rini, and Redd (2011) also found among survivors of hematopoietic stem cell transplant 
(HSCT) that emotional and instrumental social support are highly associated with the level 
of PTG of the survivors. Again, Dirik, and Karanci (2008) established among Rheumatoid 
arthritis patients in Turkey that social support correlates significantly with patients overall 
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level of PTG and the various domains of PTG such as relationship with others, philosophy 
of life, and self-perception. 
Religion is another social factor that significantly influences PTG among trauma victims. 
Generally, religion has been observed as a strong coping skill used among victims of 
disasters (Sipon, Nasrah, Nazli, Abdullah, & Othman, 2014).   It serves a significant social 
purpose where people tend to fall on the religious groups for needed supports in times of 
distress and also derive meaning for their circumstance (Oren & Possick, 2009). According 
to Hui and Hui (2009) religiosity promotes several positive aspects of one’s psychological 
life. García, Páez-rovira, Zurtia, Martel, and Reyes (2014) observed among the 2010 Chile 
earthquake victims that those who use positive religious coping skills have an associated 
higher levels of PTG, i.e. religiosity was found to impact PTG significantly. In a similar 
regard, García, Páez, Reyes-reyes, and Álvarez (2017) noted in a longitudinal study that 
negative religious coping was associated with higher posttraumatic stress levels among a 
sample of Chilean trauma victims whereas positive religious coping was associated with 
PTG. 
Ha (2015) argues that religion plays an important role in the care and mitigation dynamics 
of disasters in that it helps to better understand the nature of the disaster. Religious 
involvement has provided soothing for women who experience domestic abuse; it is 
associated with reduced level of depression and PTSD (Watlington & Murphy, 2006).  
 
Studies have lend support to a positive relationship between religiosity and PTG especially 
among people who are traumatised (Shaw, Joseph, & Linley, 2005). For example, in the 
study by Taku and Cann (2014) examining religiosity, national background and PTG, it was 
found that religiosity, explained as religious affiliation and strength of religious beliefs 
strongly predicted PTG among American and Japanese students who had an experience of 
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highly stressful life events. Similarly, Rezaei, Forouzi, Roudi Rasht Abadi, and Tirgari 
(2017) also conducted a study among cancer patients in Iran to test the relationship between 
religiosity and PTG. The results of their study also showed a positive relationship between 
religiosity and PTG. 
Very much related to the support victims receive from family, friends and religious groups, 
interventions received from professionals play a significant role in fostering PTG (Lechner 
& Antoni, 2004). There are however varied interventions for traumatic experiences. Each 
of these interventions may have their strengths and weaknesses. Xu et al. (2016) reported 
on the efficacy of a Chinese Traditional Cultural positive psychological intervention for 
PTG among health workers in China. They observed that after the provision of such 
intervention to participants, they scored significantly higher on PTG compared to their 
baseline scores.  
In a systematic review of literature and meta-analysis, Forneris et al. (2013) found that brief 
trauma-focused cognitive behavioural therapy effectively helped to reduce PTSD symptoms 
compared to supportive counselling. Their study also revealed the efficacy of collaborative 
care for PTSD than a usual care. Meanwhile, Benish, Imel, and Wampold (2008) concluded 
from their meta-analysis that all psychotherapies for trauma victims especially for PTSD 
symptoms are equally effective, ruling out any differences in terms of the efficacy and 
preference. But this conclusion has been critiqued by Ehlers et al. (2010) as not being 
scientifically rigorous and biased. Ehlers et al. (2010) indicated that several studies stamped 
the efficacy of trauma-focused therapies over other therapeutic intervention and 
recommended that as first-line treatment for PTSD. 
Kline, Cooper, Rytwinksi, and Feeny (2018) also investigated the long-term efficacy of 
psychological interventions for post disaster distresses for a minimum of six months through 
a meta-analysis. Their analysis included 32 PTSD trials that involved 72 treatment 
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conditions. They observed that all active professional psychological interventions yielded 
significant long-term efficacy. Similarly, Ehring et al. (2014) conducted a meta-analysis that 
particularly focused on studies that evaluated the efficacy of psychological interventions for 
PTSD among adults who suffered childhood sexual abuse. Their work recorded that in 
general psychological interventions are efficacious for individuals experiencing PTSD due 
to childhood sexual abuses. They also identified that trauma-focused therapies more 
efficacious than non-trauma-focused therapies similar to the findings of  (Ehlers et al., 
2013), whereas individual therapies yielded better results for PTSD than group therapies. 
This indicates that individual trauma-focused interventions are most ideal for people who 
suffer traumatic experiences.  
However, Brady, Warnock-parkes, Barker, and Ehlers (2015) pointed out that there are 
patient attributes (Ehlers et al., 2013) or behavioural characteristics that influence the 
efficacy of posttraumatic interventions. Brady et al. (2015) investigated whether 
behavioural predictors of that account for poor intervention outcomes show early in therapy 
sessions. They hypothesised that poor intervention outcomes will be associated with greater 
patient perseveration, lower expression of thoughts and feelings and weaker therapeutic 
alliance. They also examined the link between treatment outcome and patient behaviours 
with therapeutic alliance. This was done by observing and recording 58 patients in therapy 
sessions. They found that therapeutic outcomes were negatively affected by perseveration 
and less expression of thoughts and feelings and these were found in the initial sessions of 
treatment. 
Emmerik, Kamphuis, Hulsbosch, and Emmelkamp (2002) also conducted a meta-analysis 
on the efficacy of single session debriefing after traumatic experiences and found that this 
form of intervention does not work to improve posttraumatic stress symptoms especially in 
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the case of critical incident stress debriefing. This means that a ‘one-time snap shot’ 
intervention or debriefing may not be ideal for disaster victims (Forneris et al., 2013). 
2.2.6 Relationship between Posttraumatic Distress (PTD) and Posttraumatic Growth 
(PTG) 
It may come with some ease to assume that people who suffer higher Posttraumatic Distress 
(PTD) will show less Posttraumatic Growth (PTG). The evidence in support for this however, 
is scanty and mixed. An extensive review of studies on the relationship between PTD and 
PTG by Zoellner and Maercker (2006) reported that indeed both positive and negative 
relationships are being uncovered by researchers.  
Cadell, Regehr, and Hemsworth (2003) explored the factors that promoted the chances of 
PTG through a structural equation modelling. Among various factors, it was observed that 
stressors had a significant positive direct effect on PTG. This finding is corroborated by the 
assertion by Solomon and Dekel (2007) that the higher the posttraumatic distress, the better 
the PTG. 
However, some other studies found negative relationship between PTSD and PTG. For 
example, Palmer, Graca, and Occhietti (2016) purposed to examine the relationship between 
posttraumatic growth (PTG) and symptoms of depression based on their observation that 
previous studies revealed a curvilinear relationship between the two variables. Thus, they 
sample 269 veterans being treated for PTSD for their study. The study revealed a negative 
relationship between PTG and depression among the veterans 
In some studies, there has been no relationship between PTD and PTG. In a longitudinal 
study by Koutna, Jelinek, Blatny, and Kepak (2017), the predictors of posttraumatic stress 
symptoms (PTSS) and posttraumatic growth (PTG) among gender, age, objective factors of 
the disease and its treatment, family environment factors and negative emotionality were 
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examined. The study which was conducted among children with cancer revealed that there 
is no significant relationship between PTSS and PTG. 
Sattler et al. (2006) also examined earthquake victims in El Salvador four weeks after the 
disaster. Among other aims of their study, the authors attempted to establish the link 
between PTG and depression. Using 253 college students who were victims of the disaster, 
they found that there is no significant relationship between PTG and depression as well as 
with acute stress disorder.  
These findings present an unclear state within the literature and so need further investigation 
in order to clarify the linkage. There is thus the need to correlate PTG with various 
dimensions of posttraumatic distress among victims of trauma in for a better insight into the 
relationship. 
In all, studies on disaster survivors have been predominantly western leaving what happens 
in Africa behind. In Ghana, disaster studies are limited and there are no studies on PTD and 
PTG. Cultural difference as far as disaster studies are concerned would require in-depth 
scientific studies in the Ghanaian context in order to guide policy and intervention.   
In the current study, the major goal was to examine the impact of risk and protective factors 
on PTD and PTG among flood disaster victims. Therefore, the relationships among all the 
factors were tested using quantitative methods. This provided the opportunity to establish 
how the risk and protective factors predicted the PTD and PTG among the victims. The 
study also sought to understand the lived experiences of disaster victims. This was done 
using the qualitative method through in-depth investigations especially in a setting where 
not enough has been recorded on the personal experiences of victims. By this method, 
detailed information was gathered on how victims have survived and what resources they 
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have personally made use of in their survival. The combined quantitative-qualitative method 
therefore helped to triangulate findings in order to establish satisfactory evidence.  
2.2.7 Summary of Review of Related Studies 
Overall, the literature on disaster has demonstrated that disaster outcomes could be negative 
and positive. Negative impacts include physical, economic and political effects. It was 
observed in the literature that, the community and national level impacts further exacerbate 
the negative impacts experienced by individuals. These impacts are at the individual, 
community and national levels. Factors that influence the negative individual level distress 
include the experience of traumatic events in the past, neuroticism and independent self-
construal. Positive impacts of disasters include the fact that individuals use the disaster 
experience as avenue to grow and be strengthened. Factors promoting the positive outcomes 
identified include social support, personal resilience, religiosity, and self-efficacy among 
others. As to how distress from the experience of disasters relate to growth or the positive 
outcomes of disaster experience has not been clear from the literature. This therefor needs 
further exploration. 
2.3 Conceptual Framework 
Based on the literature review and the variables that emerged, the current study will test the 
following framework: 
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Fig. 2.2:  
Conceptual framework 
 
The above model depicts the relationships between the variables under consideration in the 
current study. Under column A are the predictors. These are risk factors of posttraumatic 
distress among disaster victims. These include self-construal, assumptive world, early 
traumatic experiences and personality. These variables have a direct relationship with PTSD 
and general distress (Outcome variable, under column C). Column B has the moderators. 
These are the protective factors. These variables moderate the relationship between the 
predictors and the outcome variables. However, the moderators also predict directly another 
outcome variable (PTG). 
  
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2.4 Statement of Hypotheses for the Quantitative Study 
Study one will test the following hypotheses; 
1. Risk factors (self-construal, personality, assumptive world, early traumatic 
experiences) will negatively predict posttraumatic distresses (PTD) among flood 
disaster victims 
2. Protective factors (social support, intervention, belief in just world, religiosity, self-
efficacy, resilience) will positively predict posttraumatic growth (PTG) among flood 
disaster victims 
3. Protective factors will moderate the relationship between risk factors and PTD 
among flood disaster victims 
4. Protective factors will have a significant negative relationship with PTD among 
flood disaster victims 
5. There will be a significant relationship between PTG and PTD among flood disaster 
victims 
 
2.5 Definition of Terms 
Posttraumatic Distress: This includes any psychological or emotional challenges an 
individual experiences as a result of an experience or witness of a traumatic event. This 
includes PTSD, and general psychological distress measured using the Global Severity 
Index of the Symptoms checklist. 
Posttraumatic Growth: This is the development of mental/psychological strength as a 
result of an experience or witness of a traumatic event. 
Risk Factors: Any factor that has the potential of cause distress after a disaster experience. 
These include assumptive world, independent self-construal, Neuroticism, and previous 
traumatic history. 
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Protective Factor: Any factor that has the tendency to promote wellness and sooth against 
distress after disaster. These include social support, resilience, self-efficacy, belief in just 
world, professional intervention, and religiosity. 
2.6 Research Questions for the Qualitative Study 
In line with the general objective of this study, the following questions will be answered 
by the qualitative aspect of the study. 
General research question 
What are the lived experiences of the flood disaster victim? 
Specific questions 
1. What account of the flood disaster do victims have in terms of what they 
experienced and how much they recall? 
2. What specific psychological effects did victims experience due to the disaster? 
3. What personal and collective strategies underscore victims coping abilities over the 
years? 
  
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CHAPTER THREE 
METHODOLOGY 
3.0 Introduction  
This chapter presents the general methodological strategies employed in this study. It 
encompasses description of the designs used, paradigmatic considerations, description of 
the setting of the study, the ethical matters considered and the procedure employed in the 
data collection. The chapter also presents detailed procedures adopted for the quantitative 
and qualitative approaches used in the study. This includes sample size and sampling 
methods, instruments, and inclusion and exclusion criteria. In order for coherence and 
clarity of the presentation, the procedure for the quantitative approach was presented first, 
followed by the qualitative approach (Creswell & Zhang (2009).  
 
3.1 Research Approach 
The study is conducted using Mixed Method approach. This involves the use of both 
quantitative and qualitative methods in the same study (Halcomb & Hickman, 2015; 
Schoonenboom & Johnson, 2017). This approach is used to cross-validate and corroborate 
findings by obtaining an expanded and robust understanding of the study problem 
(Schoonenboom & Johnson, 2017). Practically, both quantitative and qualitative research 
designs have their respective disadvantages. However, when the two are used together, they 
tend to complement each other, thereby reducing errors that come along with each individual 
approach and facilitating rigor (Halcomb & Hickman, 2015). By this, the study 
complemented the quantitative findings on the subject matter with the qualitative 
information for deeper understanding of findings. It provided the opportunity for a rigorous 
examination of the factors influencing post-disaster adaptation and the lived experiences of 
disaster victims. 
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Since not enough has been done among the population of disaster victims in Ghana, the 
mixed method approach adequately helped to explore the subject matter under study.  
 
3.1 Philosophical Basis of the Research Approach 
What disaster victims experience post-disaster (ontology) and how to know what they 
experience (epistemology) is an important concern in disaster researches. Appropriating 
knowledge, source of knowledge and method is deemed necessary for valid outcome in 
scientific research. Traditionally, researchers utilised positivist paradigms; an advocate for 
a single knowledge or truth about a phenomenon and a quantifiable method of knowing. 
However, recent critical paradigms encourage multiple knowledge and approaches to 
knowing, owing to the understanding that knowledge is based on individual subjective 
experiences. This is often depicted through mixed methods research designs that harbour 
two approaches in a single study to address a single problem (Creswell, 2014). Philosophies 
such as dialectics, post-modernism, critical realism and pragmatism adhere to such 
ideology. The current study is driven by the pragmatic philosophy. 
 
Pragmatism is the philosophy of research that borders on adapting approaches that support 
action and allow meaningful interpretation of the problem at hand (Shannon-baker, 2016) 
from different relevant viewpoints (Hall, 2013). Ultimately, this study is to arrive at findings 
that will inform policy and guide intervention. This can be achieved using an approach that 
will work best considering the nature of population and information being pursued. Thus, 
the study utilised pragmatism which dictates that research should translate theory into action 
and meaning making (Shannon-baker, 2016) by using an approach that ‘works best’ 
(Creswell, 2014).  
In this regard, the current study seeks to understand the challenges and skills that relate to 
post disaster adaptation among flood victims; the factors that predispose the victims to the 
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experience of psychological distress and factors that could be harnessed to attain some level 
of growth following the disaster. Identifying these factors will significantly influence 
clinical psychological practice in terms of therapeutic processes and decisions involving 
clients who experienced adversity. 
Pragmatism consciously allows for the mixing of methods, quantitative and qualitative 
methods (Morgan, 2007). Basically the paradigm allows the researcher to use the methods 
that will work to arrive at the goal of the study (Creswell, 2014; Halcomb & Hickman, 
2015). This helps to obtain better information and understanding of the phenomenon at 
stake. In mixing the methods, the researcher decides depending on the goal of the research 
to apportion emphasis to the two approaches. For example, if a triangulation mixed method 
is being used, then equal attention/emphasis is given to the two methods. But in a nexted or 
embedded approach, one method, either the quantitative or the qualitative is given greater 
attention over the other method (Creswell & Zhang, 2009). 
3.2 Research Design 
3.2.1 The Concurrent Embedded Mixed Method Design 
The Concurrent Embedded Mixed Method design, otherwise known as the Concurrent 
Nested Mixed Method design was used in this study. This design provides the opportunity 
for research data for both the quantitative and qualitative to be collected simultaneously 
(Halcomb & Hickman, 2015) in a one-phase procedure (Creswell, 2014). With this design, 
more attention is given to one data/study whereas the other data plays a supplemental role. 
As a mixed method, the design helps to harness the strengths of both methods to answer the 
research questions (Creswell, 2014). The design produces data that answer different 
research questions that could not have been answered by only one data set. Therefore, one 
data set becomes the primary data set and the other plays a supportive role  (Creswell & 
Zhang, 2009) 
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In this study, the quantitative and the qualitative data were collected at the same time. The 
data was collected among the same group of participants. However, more emphasis was laid 
on the quantitative data. This was to answer the major research questions. Victims of 
disasters experience varied levels of psychological distress and growth depending on 
individual resources and social support systems. Thus, several factors help promote either 
the growth or the distress. The quantitative data was collected to establish the impacts of 
such factors (either protective or risk factor) and the general level of either distress or growth 
among the victims. Therefore, quantitative methods and tools were used to collect such data 
and appropriately analysed to answer the research question at stake. Since the tools used for 
the quantitative data collection are of western origin, effort was made to ascertain their 
appropriateness through pilot testing ahead of the main data collection procedure. 
It was expected that the quantitative data might not have adequately explain all the responses 
of the participants. For example, the study sought to record the lived experiences of the 
victims. The qualitative was meant to record the exact ordeal they experienced, how they 
have managed to survive all this while and the challenges they tried to surmount. Therefore, 
the qualitative data was obtained to complement the findings of the quantitative study. 
Interviews were conducted and analysed to satisfy this concern. The design and its 
implementation are demonstrated in the figure 3.1 below. 
Figure 3.1 below is adapted from Creswell and Zhang (2009). According to the authors, this 
design is crafted to mix one data up in the methodology for the other data. The two data sets 
are collected simultaneously. However, they do not necessarily answer the same research 
questions. One tends to complement the other. Therefore in the figure 3.1 below, it is 
observed that the qualitative data was obtained in the process of obtaining the quantitative 
data. This was necessary in order to understand the lived experiences of the victims. A huge 
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data set was obtained for the quantitative study. However, that could not answer the 
qualitative question. The results were merged during interpretation. 
 
Fig. 3. 1:  
Concurrent Triangulation Design showing the process of integrating the two methods 
(Quan + Qual)adapted from Creswell and Zhang (2009) 
 
In the figure 3.1 above, the process adopted in data collection is depicted. Both quantitative 
and qualitative were collected simultaneously. Both were given equal weight in the study. 
Results obtained were compared and contrasted in order to provide an appropriate 
interpretation of the findings. 
 
3.3 Research Setting 
This study was conducted in Accra. Accra is historically known to have originated from Ga-
Mashie. This consists of James town and Usher town. These two are all located along the 
sea; the Gulf of Guinea. Colonial activities, independence, migration and urbanisation 
culminated in an expansion of the city (Karley, 2009). Accra (Accra Metropolitan 
Assembly, AMA) which covers a total area of 173 square kilometers is located on Longitude 
05°35'N of the Equator and on Latitude 00°06'E of the Greenwich Meridian (Afornorpe, 
2016).  
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Flood disasters have occurred on an annual basis in Ghana, especially in the capital city of 
Accra. According to Karley (2009), flooding in Accra dated back to the 1930s where the 
city began to urbanise. The urbanisation resulted in over population, disruptions in town 
planning and designs as settlers tended to invade and encroach on lands that would have 
been demarcated for water ways. The desire to settle in Accra still persists in present days. 
Sanitation and other amenities are affected on daily basis due to the high population.  
According to Afornorpe (2016), the geology of Accra is one that disposes the area to 
erosions and that leads to flooding. This natural characteristic has further been endangered 
by human activities such that the susceptibility of Accra to flood has become very high. The 
vegetation and sanitation are poor. Accra usually experiences high rainfalls between May 
and October with average rainfall of about 780mm per annum (Afornorpe, 2016).  
Flooding in Accra is a perennial problem. The deadliest flood disaster in the current decade 
occurred in 2015 on the 3rd of June. Areas affected by that disaster included Malam, 
Kaneshie, Alajo, New Town and Kwame Nkrumah Circle. Out of these communities, the 
latter was the most hit by the disaster when a petrol filling station exploded and set 
surrounding houses, properties and people on fire. This led to over 150 casualties/deaths. 
These areas have also experienced several other flood disasters in the past. They are 
typically flood prone due to their topography and location. Due to the recurrent disaster in 
these areas, the study stands the change of obtaining rich data in order to unearth the study 
objectives. 
The central business district is located along the coast. However, Accra extends inland with 
the closest to the central business district being the Kwame Nkrumah Circle. The Nkrumah 
Circle has the popular Odaw river/drain that connects several inland water bodies to the 
Atlantic Ocean. Close to this location are such communities as New Town, Alajo, and 
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Kaneshie. Closer to Kaneshie is Malam which also serves a passage way for run-over waters 
into the sea. 
 
3.4 Study Population 
This study used the population of the victims of the 3rd June 2015 flood disasters in Accra. 
This was a distinct disaster in Ghana due to the explosion of a fuel filling station at the 
Kwame Nkrumah Circle which claimed over 150 lives in the capital city. Specifically, the 
population of victims of this disaster in the settings described above (i.e. Kwame Nkrumah 
Circle, Kaneshie, Malam, New Town and Alajo) was used. Even though some residents had 
to relocate due to the flood, majority who were displaced resettled in the locations, making 
them available for the study.  
This population has complained about their challenges across the media wave since the 
disaster. There was minimal psychological and economic intervention for them. Three years 
after the disaster, it is expected that symptoms or sign of distress and growth would be 
considerably experienced within the population. This makes the population ideal for the 
study. The size of this population is however not known as there is not an exact 
documentation on them. 
 
3.5 General Data Collection Procedure 
The population for this study is a widely dispersed one. Due to this, some visibility analysis 
was done before the start of the data collection. First of all, some stakeholders in the 
management of the disaster in 2015 were contacted for direction to possible participants. 
These included the National Disaster Management Organisation (NADMO), the Psychiatric 
Department of the Korle-Bu Teaching Hospital and the social welfare department. All these 
points of contact yielded no significant result. Secondly, a contact was made with a media 
organisation that reported the 3rd anniversary of the disaster in Accra. This organisation 
linked the researcher up with the Assembly Member of one of the communities that suffered 
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the disaster. This paved the way to reach the initial persons for the study. Thirdly, a visit 
was paid to the communities to scout for victims who still reside in the localities of the 
disaster. Participants were made to sign a consent form. A copy of the consent form was 
given to the participant while the researcher kept a copy. 
 
3.6 Inclusion and Exclusion Criteria 
Participants selected for this study were expected to meet certain criteria. Meanwhile, some 
of the participants met the criteria but were disqualified due to the exclusion criteria they 
met. The criteria for inclusion and exclusion are as follows:  
To qualify to participate in this study, an individual must: 
• Be a victim of the 2015 flood disaster in Accra in Kwame Nkrumah Circle, Alajo, 
Kaneshie, Malam and New Town 
• Be 18 years and above since most people under 18 years might have been at school 
during the data collection period 
• Be in Accra at the time of the study 
An individual is not qualified to participate in the study if: 
• He/she is currently on admission/treatment for any chronic or terminal illness not 
caused by the disaster 
• Currently suffers significant memory loss 
• Suffers a significant psychiatric condition 
 
3.7 Ethical considerations  
Before data collection, an ethical approval was obtained from the Ethics Committee for 
Humanities of the University of Ghana, Legon. The study strictly adhered to the 
recommendations of the committee. The researcher also observed the American 
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Psychological Association (APA) ethical considerations for using human participants in a 
research. 
Confidentiality was observed by excluding the names and possible identifiers of the 
respondents in the study. Their responses were also used for the study only. The data 
obtained has not been exposed to any other person apart from those involved in the study 
namely the researcher and supervisors. Also, due to the large volume of the questionnaire 
and interviews, it was envisaged that participants would be tired before the end of their 
responses. Thus, breaks were allowed for participants to relax and finish up after a few 
minutes. Similarly, participants who needed more time to complete the questionnaire were 
allowed to take it home and return it a week after. No inducement was used to attract 
participants. A five Ghana Cedis (GHC 5, approximately one Dollar ($1)) airtime recharge 
card was however given to each participant for their participation. 
Emotional reactions were anticipated. This is because of the nature of information being 
elicited from the participants. Therefore, arrangement was made with clinical psychologists 
and community psychiatric nurses in the communities to attend to participants who 
exhibited emotional difficulties. In all, three participants demonstrated high emotional 
challenges. Upon assessment by the professionals, a referral was made to the Pantang 
Psychiatric Hospital for further evaluation and assistance. The researcher made a follow up 
and obtained information that the participants were admitted but they all absconded a day 
after. 
Freedom to decline or withdraw participation was also duly observed. In this regard, victims 
who were located and approached for possible participation and they declined to 
participation were not forced into participation. Over all, two (2) individuals declined to 
participate in the study. Reason given was that they have spoken to several 
researchers/journalists who promised that their concerns will be addressed but to no avail. 
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They indicated that if this will not bring them any compensation from the government, then 
they are not interested in participating. Indeed, this concern was raised by several other 
participants who were still willing to participate. It appeared that journalists have engaged 
the victims on countless occasions. However, their concerns have not received any 
government/national attention. Participants were informed that this study is for academic 
purposes and not for journalistic or governmental purposes. They were also informed that 
the findings of the study can inform national policy and treatment models for such victims 
but not to necessarily obtain government reliefs or compensations for them. This helped 
prevent high expectations from the participants. It also helped to obtain dispassionate 
responses from them.  
3.8 Quantitative Methodology 
3.8.1 Design 
The quantitative study used the cross-sectional survey design. This is a design that allows 
for a one time data collection on the opinions of participants on the subject under 
investigation particularly through the use of questionnaires (Sedgwick, 2014). Using this 
design, the researcher ensures that data is collected across the various segments of the 
population. The data collection is done within a limited period of time. In this study 
therefore, data was collected among a sample of flood victims within a short period of time 
on their opinions on how they have adapted after the experience of the 3rd June, 2015 flood 
disaster. 
3.8.2 Sample 
Sample size is a significant factor in the power of a study or the authenticity of research 
findings (Hazra & Gogtay, 2016; Malone, Nicholl, & Coyne, 2016). According to Kelly, 
Webster, and Craig( 2010), too small or too large sample size must be avoided by getting a 
balance between the two. Too small sample size will result in inconclusive findings, 
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typically resulting in type II error where the study will be deemed not to have sufficient 
power to detect the intended effect. On the other hand too large sample will lead to more 
precise than necessary outcomes and a waste of resources (Kelly et al., 2010). Accordingly, 
a sufficient enough sample size must be determined for every study.  
To obtain an adequate sample size in order to avoid these errors, some factors needed to be 
considered. One of such factors is the statistical power of the study (Malone et al., 2016). 
The statistical power of a study is the ability of the study to appropriately reject the null 
hypothesis when the alternative hypothesis is true. In other words, it is when the study can 
detect a difference if one exists (Suresh & Chandrashekara, 2012). According to Suresh and 
Chandrashekara (2012) and Cohen (1988), a statistical power of 80% is ideal for a study 
and this is proportional to sample size. The current study used a statistical power of 95%. 
Another factor to consider in determining sample size is the significance level of the study. 
This is the probability that a type I error will be committed (Kelly et al., 2010). This is often 
represented by p-value or ‘α’. Conventionally in the social sciences, the significance level 
is set at .05 (Kelly et al., 2010). This means that there is only 5 out of 100 chances of a type 
I error to be committed.  
The effect size is also important in sample size determination. This is the size of relationship 
that is expected in the study. This can be a large, medium or small one (Field, 2009). A 
medium effect size is used in this study because this is easily noticeable (Cohen 1988). Other 
factors to consider include the statistical tests to use and the number of predictors. In order 
to obtain a medium effect size (.15 for regression analysis) with high statistical power, 
significance level of .05 and 10 predictors, a minimum of 150 sample size is required 
(Cohen, 1988; Field, 2009). Calculating for this using a G-Power software produces a 
sample size of 172. 
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In this study, the Multiple Linear Regression was used with ten (10) predictors. A sample 
size of 400 was proposed for the study in order to avert the effect of attrition, non-completion 
and related unforeseen challenges that participants may present to the study. In all 336 
participants were realized for the study, representing a response rate of 84%. This is a about 
double the minimum sample size required, making it adequate enough for the study. 
3.8.3 Sampling method  
Selection of the sample for the study was done using the snowball sampling technique. As 
much as the size of the sample is important, the method used in gaining the sample is also 
important (Martínez-mesa, González-chica, Duquia, Bonamigo, & Bastos, 2016). There are 
several techniques to sample participants for a study; grouped under probability and non-
probability sampling techniques (Naderifar, Goli, & Ghaljaie, 2017). However, some factors 
determine which technique will be most appropriate for a given study. For instance, if the 
study is an experiment with a sample frame available, the researcher may use a probability 
sampling method such as simple or systematic random sampling. In cases where the 
population is a closeted or hidden one, a non-probability sampling such as snowball 
sampling may be used (Naderifar et al., 2017; Sadler, Lee, Lim, & Fullerton, 2010). In the 
current study, the snowball sampling technique was used. 
Snowball sampling is often used when a particular population is not easy to access for which 
reason the researcher must identify some initial participant(s) and use them as links to 
subsequent participants (Martínez-mesa, González-chica, Duquia, Bonamigo, & Bastos, 
2016; Dragan & Isaic-Maniu, 2013). This could be done either in qualitative studies (e.g. 
Graham et al., 2003; Veitch, Bagley, Ball, & Salmon, 2006) or in quantitative studies (e.g. 
Sadler, Lee, Lim, & Fullerton, 2010; Etter & Perneger, 2000). This sampling technique is 
suitable for the current study because the population of flood victims in Accra is not well 
delimited. Available data on the population such as sample frame, location and contact 
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information are rare. Some victims had relocated or changed their address or contact 
numbers. However, when one or two of these victims were identified, they assisted in 
providing information on other victims. This is because they had formed a group intended 
to push their needs to government and they easily identify themselves. This is the crux of 
snowballing where hard-to-find participants are identified based on the recommendation or 
network of initial participants (Sadler et al., 2010). That is, one participant leads to another 
participant (Rankin & Bhopal, 2001).  
Therefore, in order to select the participants for this study, communities in focus were visited 
and enquiries were made from residents about who experienced the 2015 flood until the first 
person was identified. This first person helped with further information on how to get some 
few other participants. These few others also led the researcher to further participants until 
the sample size was reached. 
 
3.8.4 Instrument  
The study materials used in the quantitative study include standardized questionnaires for 
measuring the respective quantitative variables. The variables measured and the 
questionnaires used are described below under predictors, outcome variables, and 
moderating variables as follows: 
Predictor measures 
Predictors are factors or variables that are deemed to be the bases of the outcomes of a study. 
In other words, they are the variables that are manipulated for their effect to be observed or 
measured in the outcome/dependent variables (Flannelly, Flannelly, & Jankowski, 2014). 
They are also called the independent variables. In this study, there are four predictor 
variables. These include personality, assumptive worldview, self-construal and early 
traumatic experiences.  
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Assumptive worldview 
The World Assumptions Scale (WAS). This scale was developed by Janoff-Bulman (1989). 
It is a 32-item self-report scale that examines an individual’s cognitive schema about 
themselves and the world. It taps into three primary domains of assumptions: perceived 
benevolence of the world, meaningfulness of the world, worthiness of the self (Janoff-
Bulman, 1989).  
This scale measures world assumption along 8 levels (subscales). These are; the 
benevolence of the world (BW), benevolence of people (BP), justice (J), controllability (C), 
randomness (R), self-worth (SW), self-controllability (SC), and luck (L). It is a 6-point likert 
scale with responses ranging from 1=strongly disagree to 6=strongly agree. Sample items 
include ‘Misfortune is least likely to strike worthy, decent people’, and ‘I almost always 
make an effort to prevent bad things from happening to me’. The scale has reliability of 
Cronbach alpha ranging from .60 to .75 (Janoff-Bulman, 1989).  
Self-construal 
The Self-Construal Scale: This is a 24-item scale developed by Singelis in 1994 to measure 
a person’s independent and interdependent dispositions. It therefore has two subscales. Both 
subscales have 12-items each. The scale is a self-report scale rated using a 7-point likert 
scale ranging from1=strongly disagree to 7=strongly agree. Sample items include ‘I have 
respect for the authority figures with whom I interact (Interdependence); I’d rather say ‘No’ 
directly than risk being misunderstood’ (Independence).  
Reliability of the scale was reported to be between Cronbach alpha of .69 and .73 (Singelis, 
1994). Items for the interdependent subscale are 3,4,5,6,9,12,13,15,17,19, 21, and 23 
whereas items for the independent subscale include 1,2,7,8,10,11,14,16,18,20,22, and 24. 
 
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Personality 
The Big Five Personality Inventory: Personality was measured using the Big Five 
Personality Inventory developed by Goldberg (1992). It has 50 items with five (5) subscales 
namely extraversion, agreeableness, conscientiousness, neuroticism, and openness. Each 
subscale has 10 items. The scale rates responses on a 5-point likert scale ranging from 1=not 
at all accurate to 5= extremely accurate. According to Sveen et al. (2016), the scale has the 
following reliability values; 0.82 for extraversion, 0.73 for agreeableness, 0.74 for 
conscientiousness, 0.80 for neuroticism, and 0.80 for openness. Sample items are ‘I get 
stressed out easily’ and ‘I have a soft heart’. The scale is scored by summing up component 
items to obtain total score for each subscale. However, items numbered 2, 4, 6, 8, 10, 12, 
14, 16, 18, 20, 22, 24, 26, 28, 29, 30, 32, 34, 36, 38, 39, 44, 46, 49 are reverse scored. 
Items for the respective subscales are Extraversion: 1, 6, 11, 16, 21, 26, 31, 36, 41, 46, 
Agreeableness: 2, 7, 12, 17, 22, 27, 32, 37, 42, 47, Neuroticism: 4, 9, 14, 19, 24, 29, 34, 39, 
44, 49, Conscientiousness: 3, 8, 13, 18, 23, 28, 33, 38, 43, 48, and Openness: 5, 10, 15, 20, 
25, 30, 35, 40, 45, 50. 
 
Early traumatic experiences 
The Trauma History Questionnaire: This scale was used to assess past traumatic 
experiences of participants. It is a 24-item questionnaire with yeas or no responses 
developed by Green (1996). The questions are divided into three (3) traumatic areas namely 
crime experiences (e.g. robbery), general disaster and trauma questions (e.g. injury, 
witnessing death), and questions about physical and sexual experiences (spanking or 
beating, rape/defilement).  Participants are to indicate whether they had ever experienced 
the traumatic event or not. In addition to that, participants are required to provide the age or 
approximate age at which the experience happened as well as the number of times such an 
event was experienced. There is one ‘other’ item in the questionnaire that allows participants 
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to indicate any personal traumatic event or experience that might have been omitted in the 
questionnaire. Participants are to respond with details like they did for the other 23 items. 
Response on this ‘other’ item is usually used at the researcher’s discretion depending on the 
information provided. It may also be grouped under any of the domains that it is related to.  
Sample items are ‘Has anyone ever attempted to or succeed in breaking into your home 
while you were there?’, ‘Have you ever experienced a “man-made” disaster such as a train 
crash, building collapse, bank robbery, fire, etc., where you felt you or your loved ones were 
in danger of death or injury? (If yes, please specify below)’, and ‘Has anyone ever made 
you have intercourse or oral or anal sex against your will? (If yes, please indicate nature of 
relationship with person [e.g., stranger, friend, relative, parent, sibling] below)’ or ‘Has 
anyone in your family ever beaten, spanked, or pushed you hard enough to cause injury?’ 
for the crime experiences, general disaster and trauma questions, and questions about 
physical and sexual experiences respectively.  
The questionnaire was scored by counting the number of events endorsed under each 
subtype of traumatic experience. A total score was obtained by adding all the responses. 
More items endorsed mean high traumatic history.  Hooper, Stockton, Krupnick, and Green 
(2011) reported that the scale has an interrater reliability for the various trauma categories 
as present in at least 20% of respondents showing kappas in the excellent category, ranging 
from .76 for sexual assault to 1.00. 
Items for the crime experiences are the first four (4), the general disaster and trauma items 
are items 5 to 17, questions about physical and sexual experiences are from 18 to 23, and 
the last item (item 24) is for ‘other’. 
 
  
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3.8.5 Outcome Variable Measures 
Psychological distress 
The Symptoms Checklist-90-Revised (SCL-90-R): This scale was developed by Derogatis 
(1975). It is a 90-item five likert-point scale with nine dimensions of primary psychological 
symptoms or distresses and three global indices of pathology (Derogatis, Rickelst, & Rock, 
1976). Responses range from 0=not at all to 4=extremely. The global indices of pathology 
include Global Severity Index (GSI) which is the combination of information on the number 
of symptoms and distress intensity, the Positive Symptom Distress Index (PSDI) which is 
about the intensity of distress, and the Positive Symptom Total (PST) which is the only 
about the number of symptoms (Derogatis et al., 1976). 
The nine primary dimensions include somatization, obsessive–compulsive, interpersonal 
sensitivity, depression, anxiety, hostility, phobic anxiety, paranoid ideation, and 
psychoticism.  
The Somatization (SOM) subscale measures distress or discomfort that arises from 
perceptions of bodily dysfunction. The Obsessive-Compulsion (O-C) subscale measure is 
on thoughts, impulses, and actions that are experienced as irresistible by the individual but 
are unwanted in nature. The Interpersonal Sensitivity (INS) subscale measures a person’s 
feelings of personal inadequacy and inferiority in comparison with others. It also includes 
the feelings of self-discomfort, self-deprecation and uneasiness as experienced by people 
during interpersonal interactions. The Depression (DEP) subscale measures dysphoric 
mood, affect, lack of motivation, loss of energy, feelings of hopelessness, and suicidal 
thoughts. The Anxiety (ANX) subscale measures symptoms such as nervousness, tension, 
and trembling as well as feelings of terror and panic. The Hostility (HOS) subscale measures 
thoughts, feelings, or actions such as aggression, irritability, rage and resentment 
characteristic of the negative affect state of anger. The Phobic Anxiety (PHO) subscale 
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measures persistent fear response to a specific place, object or situation that is irrational. 
Paranoid ideation (PAR) is a disordered mode of thinking, projective thinking, hostility, 
suspiciousness, grandiosity, centrality, fear of loss of autonomy, and delusions. 
Psychoticism (PSY) is a continuous dimension of human experience, providing a continuum 
from mild interpersonal alienation to dramatic evidence of psychosis. Items include 
withdrawal, isolation, and schizoid lifestyle as well as first-rank schizophrenia symptoms 
such as hallucinations and thought-broadcasting.  
The scale is scored by adding up the respective items measuring the various subscales and 
the result is divided by the total number of items for each subscale to obtain the score for 
the dimensions represented. A Global Severity Index (GSI), which is the average score of 
the 90 items of the scale, suggesting the best single indicator of the current level of the 
distress is also obtained by adding up the entire items divide by 90. The Symptom Total 
(PST) is scored by adding up the number of symptoms the respondent complained of, that 
is the number of items rated higher than zero. The Positive Symptom Distress Index (PSDI) 
is the average of the rating from 1 to 4 (the non-zero ratings) for the symptoms that were 
complained of. 
This scale demonstrates a strong internal reliability of Cronbach’s coefficient alpha for each 
of the nine subscales ranging from .77 to .90 (Derogatis et al., 1976). Sample items include 
‘Feeling afraid in open spaces or on the streets’ and ‘Feeling no interest in things’. 
Items for the primary dimensions include the following: Somatisation 1, 4, 12, 27, 40, 42, 
48, 49, 52, 53, 56, 58, Obsessive-Compulsion 3, 9, 10, 28, 38, 45, 46, 51,55, 65, 
Interpersonal sensitivity 6, 21, 34, 36, 37, 41, 61,69, 73, Depression 5, 14, 15, 20, 22, 26, 
29, 30, 31, 32, 54, 71, 79, Anxiety 2, 17, 23, 33, 39, 57, 72, 78, 80, 86, Hostility 11, 24, 63, 
67, 74, 81, Phobic anxiety 13, 25, 47, 50, 70, 75, 82, Paranoid ideation 8, i8, 43, 68, 76, 83, 
and Psychoticism 7, 16, 35, 62, 77, 84, 85, 87, 88, 90. 
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PTSD 
The PTSD Checklist-Civilian version (PCL-C) The PCL-C is a standardized five point likert 
self-report rating scale for PTSD comprising 17 items that correspond to the key symptoms 
of PTSD. It was developed by Weathers, Litz, Huska and Keane (1993) to assess PTSD. 
Two versions of the PCL exist: the PCL-M is specific to PTSD caused by military 
experiences and the PCL-C is applied generally to any traumatic event. The PCL can be 
easily modified to fit specific time frames or events. For example, instead of asking about 
“the past month,” questions may ask about “the past week” or be modified to focus on events 
specific to a deployment. Sample items include ‘Suddenly acting or feeling as if the flood 
disaster were happening again (as if you were reliving it)?’, and Avoid activities or 
situations because they remind you of the flood disaster?’. The scale has been reported to 
have a strong reliability of psychometric properties of Cronbach’s alpha coefficient of 0.94 
(Ruggiero, Ben, Scotti, and Rabalais, 2003). Scoring of the scale is by adding up responses 
on all 17 items on the scale to get a single total score. 
Post Traumatic Growth 
Posttraumatic Growth Inventory (PTGI): The PTGI is a self-report inventory developed by 
Tedeschi and Calhoun (1996). It measures the positive or salutogenic impact/growth 
following traumatic experiences.  The scale has 21-items than can be grouped under five (5) 
subscales namely; growth relating to others (improved interpersonal relations), new 
possibilities (changes in aspirations and goals), personal strength (increased inner strength), 
spiritual change (increased spirituality), and appreciation of life (greater appreciation).  
The scale has a 6-point likert rating ranging from 0 (I didn't experience this change) to 5 (I 
experienced this change to a very great extent). Sample items of include ‘Knowing that I 
can count on people in times of trouble’, and ‘New opportunities are available which 
wouldn’t have been otherwise’. An overall growth score could be obtained by computing 
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the mean of all of the responses on the 21 items. The scale has a good reliability of Cronbach 
alpha = .93 (Nuttman-shwartz et al., 2011). 
 
3.8.6 Moderating variables  
Social support 
Multidimensional Scale of Perceived Social Support (MSPSS): This is a 7-point likert scale 
developed by Zimet, Dahlem, Zimet and Farley (1988) to measure social support at three 
(3) levels namely, support from family, friends and significant others. Responses range from 
strongly disagree (1) to strongly agree (7). It is a 12-item scale with 4-items per subscale. 
Apart from obtaining a score for each subscale by adding up the items relating to the 
individual items, a total social support score can be obtained by adding up all the 12 items.  
Sample items are ‘There is a special person who is around when I am in need’, ‘I get the 
emotional help and support I need from my family’ and ‘I have friends with whom I can 
share my joys and sorrows’ for the friend, family and significant others subscales. 
Reliability of the total scale has been reported to be Cronbach’s coefficient alpha = .93 
whereas the subscales (family, friends and significant others) demonstrated reliabilities of 
.91, .89, and .91 respectively (Canty-Mitchell & Zimet, 2000). Items for the Friend subscale 
are 6, 7, 9, and 12. Items for the Family subscale include 3, 4, 8, and 11. Items for the 
significant others subscale include 1, 2, 5, and 10. 
 
Self-efficacy 
General self-efficacy scale: This scale was developed by Jerusalem and Schwarzer in 1981. 
It has also been translated and used in other languages and populations. It measures self-
efficacy on a 4-point likert scale with responses ranging from 1-not at all true to 4-exactly 
true. The scale has 10 items of which are such items as ‘I can always manage to solve 
difficult problems if I try hard enough’, and ‘I can usually handle whatever comes my way’. 
The scale has an internal consistency ranging between .76 and .90 (Schwarzer & Jerusalem, 
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1995). Luszczynska, Estatal, and Rica (2005) also reported that the scale recorded good 
reliability across several populations typically with Cronbach’s alphas between .79 and .90. 
Scoring is done by adding up the responses on all 10 items to obtain a total self-efficacy 
score.  
Belief in just world 
Global Belief in Just World: This was used to measure the general belief that people deserve 
what they get and get what they deserve. It was developed by Lipkus (1991). It is a 7-item 
likert scale with ratings from 1=strongly disagree to 6=strongly agree. Example of the items 
include: ‘I feel that people get what they are entitled to have’, and ‘I basically feel that the 
world is a fair place’. Reliability of the scale has been reported to be .83 (Lipkus, 1991). 
Resilience 
Wagnild and Young’s Resilience Scale: The resilience scale has 25 items as its full version. 
The scale also has a short version consisting of 14 items. The current study however used 
the full version. It was developed by Wagnild and Young (1993). This is a self-administered 
scale rated on a 7-point likert scale ranging from 1=strongly disagree to 7=strongly agree. 
The developers reported a reliability of alpha = .91 (Wagnild & Young, 1993). A study in 
Nigeria by Oladipo and Idemudia (2015) reported a reliability of alpha = .86. Sample items 
include ‘I can be on my own if I have to’, and ‘I have enough energy to do what I have to 
do’. 
Religiosity  
Santa Clara Strength of Religious Faith Questionnaire:  This is a 10-item scale developed 
by Plante and Boccaccini (1997). It is a 4-point likert scale that measures an individual’s 
level of religious faith. Responses on the scale range from 1=strongly disagree to 4=strongly 
agree. Sample items include ‘I look to my faith as providing meaning and purpose in my 
life’, and ‘I look to my faith as a source of inspiration’. Reliability of the scale is reported 
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to be Cronbach alpha=.95 (Plante & Boccaccini, 1997). Scoring of the scale is done by 
adding up all responses to obtain a total score where higher scores indicate higher religious 
faith. 
 
Materials used in this study are summarized in the table 3.1 below. They are presented in 
the table under predictors, outcome variables, and moderating variables. Their Cronbach’s 
alphas as reported in the literature are presented along with those obtained from this study. 
Table 3.1:  
Instruments used for Quantitative study and Cronbach’s alphas 
Construct  Scale  Developer   Developer’s α Pilot 
study (α) 
Predictors   
Personality  The Big Five Inventory By Goldberg .82 to .90 .79 
(1992).  
Assumptive World Assumptions By Janoff-Bulman .60 to .75 .84 
world Scale (1989).  
Self-construal  Self-construal Scale By Singelis (1994).  .69 and .73 .88 
Past traumatic Trauma History By Green (1996).  Not - 
experience  Questionnaire Applicable 
Outcome Variables   
Psychological Symptom Checklist By Derogatis, et al. 0.77-0.90 .98 
distress (1973).  
Posttraumatics PTSD Checklist – Weathers, Litz, 0.94 .90 
stress disorder Civilian Version Huska and Keane 
(1993).  
Posttraumatic Posttraumatic Growth Tedeschi and .93 .92 
growth Inventory Calhoun (1996).  
Moderators  
Social support Multidimensional Zimet, Dahlem, .89-.93 .92 
Scale of Perceived Zimet and Farley 
Social Support (1988).  
Self-efficacy  General self-efficacy Jerusalem and .90 .87 
scale Schwarzer (1981).  
Belief in Just Global Belief in Just Lipkus (1991).  .83 .84 
World World Scale 
Resilience  Wagnild and Young’s By Wagnild and .91 .94 
Resilience Scale Young (1993).  
Religiosity  Santa Clara Strength of By Plante and .95 .93 
Religious Faith Boccaccini (1997). 
Questionnaire 
 
3.8.7 Pilot Study 
A pilot study was conducted using 50 participants to ascertain the reliability and 
appropriateness of the scale selected for the study. This provided an idea about the 
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challenges respondents will face on the main study. It also provided an idea about the 
approximate duration of the data collection per participant. Participants use for the pilot 
were drawn from the population under study. Reliability analysis was performed and the 
results are presented in the last column under pilot study of Table 3.1 above. From the table, 
it is observed that the Cronbach’s alpha for the various scales are adequate, indicating good 
reliabilities. 
 
3.8.8 Procedure for Quantitative Study  
Data in this study was collected using a self-report approach. Questionnaires were 
distributed to participants as and when they are identified through the snowball method. 
Participants who could speak and write English Language completed the questionnaires on 
their own. Participants were given one week to finish responding after which the 
questionnaires were retrieved. However, some participants indicated that they may not have 
time to respond to the questionnaire in the absence of the researcher, therefore, the 
researcher stayed with them till they completed. Enough time was given to allow participant 
to relax when tired. Participants who could not read and write were engaged in an interview 
form, where the items were explained to them and their responses were captured on the 
scales. This took longer time than the time spent by those who could read and write. 
Therefore, for those who needed explanations/interpretations, two days on the average were 
spent with them. Two assistants with a bachelor’s degree in psychology were recruited for 
the data collection. These assistants were those conversant with the local languages 
dominant in the research setting. Questionnaires that were completed were rejected and 
discarded. Data obtained was entered into the Statistical Package for the Social Sciences 
(SPSS), cleaned up and analysed. 
A pilot study using 50 participants was initially conducted to ascertain the reliability of the 
scales used in the study. The outcome of the pilot indicated that, the scales exhibit 
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considerably good reliabilities. It also allowed the researcher to ascertain participants’ 
understanding of the items on the scales and the possible challenges.  
 
3.9 Qualitative Methodology 
This section presents the methods used in conducting the qualitative component of this 
research. It presents the study design, sample, and the data collection tool, procedure and 
how data was analysed. The qualitative component of this research was designed to augment 
the findings of the quantitative study.  
A qualitative study was considered appropriate because it would provide the opportunity for 
victims of disaster to tell their story in detail (Hammarberg, Kirkman, & Lacey, 2016; 
Haradhan, 2018). Consequently, it is expected that findings would provide a better insight 
into the ordeal that participants go through and make the needed recommendations. 
The qualitative study sought to answer the following questions: 
What are the lived experiences of the flood disaster victim? Specifically,  
1. What account of the flood disaster do victims have in terms of what they 
experienced and how much they recall? 
2. What specific psychological effects did victims experience due to the disaster? 
3. What personal and collective strategies underscore victims’ coping abilities over 
the years? 
3.9.1 Approach – Phenomenology 
The phenomenological design was used for the qualitative part of this study. This was to 
provide the basis for the understanding of the experiences of the victims through their own 
narratives.  
Phenomenology is when participants provide detailed description of their experiences of a 
particular situation and the researcher tries to identify the essence of such experiences 
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(Creswell, 2014). Creswell (2014) describes phenomenology as both a philosophy and a 
method, it makes it possible for an extensive study of a smaller number or participants in 
order to establish patterns within the meanings of the experiences of the participants. 
Phenomenology thus forms the basis of the qualitative study to help clarify what disaster 
victims endure and how they perceive their own experiences. 
3.9.2 Sample and Sampling Technique  
A sample size of 13 was used for this study. This was made up of victims of the June 12 
flood/fire disaster in Accra in 2015. According to Creswell (1998), a sample size of five (5) 
to 25 is recommended for a phenomenological study. Richness of information obtained is 
rather suggested and there is priority of depth over length (Pietkiewicz & Smith, 2014). In 
spite of this, saturation was a major factor in deciding to use the current sample size. This 
is when the information being provided by respondents became similar with no new 
information being obtained. This prompted the researcher to end after the 13th participant. 
Convenient sampling was employed to select 13 participants participate in the qualitative 
study. The demographic characteristics of the participants are presented in Table 3.2 below. 
  
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Table 3.2:  
Demographic Information of Participants 
Participant Age  Gender  Occupation  Disaster Religion  
experienced  
1 36 Female  Health worker/student  Flood  Christian  
2 44 Female  Trader  Flood/fire Christian 
3 38 Female  Trader  Flood/fire Christian 
4 48 Female  Trader  Flood/fire Christian 
5 37 Male  Herbalist  Flood/fire  Christian 
6 63 Female  Not working  Flood/fire  Christian 
7 60  Male  Transport owner / Flood/fire  Christian 
driver  
8 47 Male  Drive  Flood/fire  Christian 
9 42  Male  Civil servant  Flood/fire  Christian 
10 30  Male  Trader  Flood/fire  Christian 
11 67 Female  Retired  Flood/fire  Christian 
12 32 Male  Civil servant  Flood/fire  Christian 
13 43 Male  Teacher  Flood/fire  Christian 
Most of the participants experienced the ‘twin disaster’ except participant one who 
experienced only flood. There is a fair gender balance of the participants. All participants 
interviewed are Christians. 
 
3.9.3 Data collection Material   
A semi-structured interview guide (see Appendix D) was developed for the qualitative 
study. Specifically, the interview guide had three sections around three issues namely: an 
account of the tragedy/disaster victims encountered, the impact of the tragedy on their lives 
(both positive and negative), and how they survived till now (the strengths they relied 
on/coping).  
The guide was reviewed by two independent experts for appropriateness before it was used. 
 
3.9.4 Pilot Study 
The interview guide was piloted using four (4) participants. Generally, the essence of the 
pilot was to establish the appropriateness of the guide. It was also aimed at addressing any 
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conceptual confusion in the wording of questions. Further, it also helped to establish the 
average duration the interviews would have lasted during the main study. Through the pilot 
study, it was observed that items on the interview guide must be arranged in a certain order 
to allow for a good flow of the information provided by participants. It was also clear that 
some questions must be put together and some separated in order to capture detailed 
information. For example, the impact of the disaster was recategorised under physical, 
psychological (with subcategories such as anxiety, emotional, behavior) and positive 
impacts.    
3.9.5 Data Collection Procedure 
Verbal consent was obtained from participants who agreed to participate in this study. Thus, 
after the first study, consented participants were engaged for the study two. Their contact 
numbers were taken and a meeting was arranged for a later date usually the following day 
for the interview. However, five (5) out of the 13 participants were interviewed on the same 
day they took part in study one because they preferred it so. Participants decided the time 
and venue of the meeting. Except for one participant who opted to be interviewed at home 
due to health issues, the interviews were conducted at the participants’ workplaces since 
most of them spent the day at the Workplace.  
Prior to the interview, participants were informed that the interview would be audio recorded 
and transcribed for analysis. Initially, participants thought the recording was meant for the 
media so that their plights will reach the government but this was clarified that it was purely 
for academic purposes. On the average, interviews lasted for between 45 minutes to one (1) 
hour.  
3.9.6 Data Processing and Analysis  
Data obtained in the interviews were all tape recorded. Each of the tapes was named 
distinctively to avoid overlapping information. The tapes were all transcribed verbatim by 
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the researcher. Interviews were mainly held in English. However, interviews with 
participants who spoke in a local language were transcribed verbatim and translated by a 
professional from the Department of Linguistics, University of Ghana, Legon. Transcribed 
and translated scripts were reviewed for spellings, punctuations and correctness of the 
transcriptions along the audio tape by the researcher for clarity of the information they 
contained.  
Thematic analysis was used to analyse the data obtained in this study. In doing so, the six 
step approach to thematic analysis by Braun and Clarke (2006) was used. The researcher 
transcribed the interviews, read and re-read them to familiarise with the data and made notes. 
Codes were generated using ATLAS.ti. The codes were then grouped into themes. These 
themes and corresponding codes were reviewed by two other independent researchers (a 
masters and a PhD holder in Psychology) with considerable experience in qualitative 
analysis. 
The themes were reviewed in relation to the codes. Sub-themes were developed to match 
the relationship between the codes. Finally, names were assigned to each of the themes and 
sub-themes. Extracts were taken from the transcripts to illustrate each theme. 
3.9.7 Rigor and Credibility of Data and Result  
Before the analysis of the data obtained, the researcher and the second coder met and 
discussed the scope of the research and data. This gave the two coders an even platform for 
the codes to generate from the transcripts. The codes generated were then compared and 
fused together.  
For the purposes of credibility and trustworthiness, the themes drawn from the codes were 
informed by the literature. For example, the themes for distress were greatly informed by 
the DSM-5 criteria for PTSD and related disorders, anxiety and mood disorders. The data 
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from the quantitative study on the distress, risk and protective factors also supported the 
data in the qualitative study.  
The transferability of the findings of the qualitative study is in the congruence of the findings 
with the literature reported across various settings. The stories of the participants were 
queried with probes that helped to unearth details spanning various angles of their 
experiences. This makes the findings applicable to similar populations. 
To ensure confirmability, data and analysis was scrutinised and peer review. As indicated 
above, masters and PhD psychology degree holders peer reviewed the transcripts and codes. 
This was followed by an expert qualitative researcher. Also, the six step approach to 
thematic analysis by Braun and Clarke (2006) was judiciously followed. 
  
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CHAPTER FOUR 
RESULTS 
4.0 Introduction  
This chapter presents the results of the study. This is presented in two part. The first part 
presents the findings of the quantitative study, and the second part presents the findings of 
the qualitative study. 
4.1 Quantitative Findings 
4.1.1 Data Analysis/Analytic Plan 
The quantitative data collected was analysed using the SPSS Version 16. The data entry was 
done as and when questionnaires were retrieved from participants. This was to avoid 
forgetfulness especially about the ambiguity in responses that was typically clarified by 
participants when they returned the questionnaires. This also afforded the researcher to 
detect and correct wrong entries as there were not too much to enter at a time. 
Preliminary analysis was conducted after the data set was complete. This was to obtain 
demographic and descriptive results of the data. Exploratory Factor Analysis (EFA) was 
also conducted to ascertain the suitability of one of the scales. This also helped to determine 
the components of that scale as work with. Inferential analysis involving correlation analysis 
and regression were conducted.   
To test for predictor and moderator effects in the study, five hypotheses were tested. The 
first hypothesis considered how much each predictor variable predicts the individual 
outcome variables. This was stated as ‘Risk factors (independent self-construal, 
neuroticism, assumptive world, and previous traumatic experiences) will predict 
posttraumatic distresses (PTD) (psychological distress, and PTSD) among flood disaster 
victims’.  
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The second hypothesis tested how the moderator variables predicted PTG and this was 
stated as ‘Protective factors (social support, intervention, belief in just world, religiosity, 
self-efficacy, and resilience) will predict posttraumatic growth (PTG) among flood disaster 
victims’. The third hypothesis tests for how protective factors (moderators) moderate the 
relationship between to predictors and the outcome variables. This was stated as ‘protective 
factors will moderate the relationship between risk factors and PTD among flood disaster 
victims’.  
Therefore, hypotheses 1, 2 and 3 were tested using a Hierarchical Multiple Linear 
Regression. This was used to test for the predictive effect of the risk and protective factors 
in the study (hypothesis 1 and 2) and to test for the moderation effect of the moderators in 
the study (hypothesis 3). In testing these hypotheses, demographic factors namely age, 
number of years in residence, education, marital status and employment status were held 
constant. 
The fourth hypothesis tests the relationship between protective factors and PTG and the fifth 
hypothesis tests the relationship between PTSD and PTG. They were stated as ‘protective 
factors will have a significant negative relationship with PTD among flood disaster victims’ 
and ‘there will be a significant negative relationship between PTG and PTD among flood 
disaster victims’ respectively. Thus, hypotheses 4 and 5 were tested using the Pearson 
Product Moment Correlation Coefficient (Pearson r) to determine the association between 
study variables. 
4.1.2 Preliminary Analysis 
Preliminary analysis included the bio-data of the research sample, factor analysis, 
descriptive statistics and test of normality and reliability, and correlation matrix on the 
relationship between study variables. 
 
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Demographic Characteristics of Research Participants 
The demographic characteristics of the sample are presented in the Table 4.1. It is shown 
that the mean age of the participants for the study is 33.22 (SD=10.47). There are 193 
(57.4%) males and 143 (42.6%) females sampled for the study. Majority of the participants 
had secondary education [151 (44.9%)]. Those with tertiary education are 96 (28.6%), a 
little above those with basic education who were 89 (26.5%). It is also observed that on the 
average participants have lived in the location of the disaster for 11.07years (SD=8.70). 
The majority of participants are single or widowed (55.7%). This is followed by those 
married or cohabiting (33.6%). The least in this category are the divorced or separated 
(10.7%). The sample was also made up of more Christians [248 (73.8%)] as against 88 
(26.2%) Moslems. Furthermore, most participants (69%) did not receive any form of 
assistance/support in the form of relief items or hospital treatment after the disaster. 
However, 31% indicated that they were either treated for various injuries, or they had 
received some relief items from NADMO/government, Red Cross, private organisations, 
and individuals from the general public. Majority of the sample is made up of self-employed 
participants [233 (69.3%)]. The rest are those who work for others such as the government 
or private companies (14.0%), and students (12.2%). 
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Table 4.1:  
Demographic Characteristics of Respondents  
Characteristic  Frequency Percentage Mean  Standard 
(N) (%)  Deviation 
Age    33.22 10.47 
Duration in settlement   11.07 8.70 
Sex      
• Male  193 57.4   
• Female  143 42.6   
Level of Education     
• Basic 89 26.5   
• Secondary 151 44.9   
• Tertiary 86 28.6   
Marital status     
• Single/widowed 187 55.7   
• Married/cohabiting 113 33.6   
• Divorced/separated 96 10.7   
Religion      
• Christian 248 73.8   
• Moslem 88 26.2   
Support (relief items,     
medical treatment) after 
disaster   
• Yes  104 31   
• No  232 69   
Occupation      
• Student  42 12.2   
• Unemployed/retired  15 4.5   
• Self-employed  233 69.3   
• Work for others 47 14.0   
Professional intervention   
received   
• Medical  11 3.3   
• Religious  9 2.7   
• None  316 94.0   
 
It is also observed from the table 4.1 above that most of the participants (94%) did not 
receive any professional intervention for the traumatic situation they experienced. The 
remaining received medical intervention (3.3%) and religious intervention (2.7%). No 
participant indicated receiving professional psychological intervention such as counselling 
or therapy. 
 
 
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Exploratory Factor analysis  
Exploratory factor analysis was conducted to examine the validity of the Big Five 
Personality Scale. This was done because the scale is of western origin and has not been 
validated in the Ghanaian context.  It was also necessary to do so in order to determine the 
subscales of the scale since these subscales were used in the data analysis. Thus, the factor 
analysis was conducted to ascertain the factor structure of the scale before being used in the 
study. 
The Principal Axis Factoring (PCA) with Equamax rotation was used. The Bartlett’s Test 
of Sphericity and the Kaiser-Meyer-Olkin (KMO) measure of sampling adequacy were 
considered. To retain the number of factor components, the Eigenvalue and scree plot were 
inspected. It has been argued that the use of the Eigenvalue tends to overestimate the number 
of factors to retain (Ruscio & Roche, 2012). Thus, the scree plot was given more attention. 
Items with factor loading of .30 or more were retained. 
The Big Five Personality Scale 
The results indicate that the Bartlett’s Test of Sphericity is significant (x2=4307.00, p=.00) 
and a significant KMO test of sampling adequacy is .752. Contrary to the five components 
in the original scale, the Eigenvalue of the exploratory factor analysis (EFA) generated 16 
factors whereas the scree plot indicated two factors. The 16 factors might be an over 
estimation. Thus, the researcher restricted the number of factors to generate to 5 with 
minimum factor loadings of .30 retained. The following result presented in the Table 4.2 
below is obtained. 
 
  
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Item Component 
1 2 3 4 5 
1 I am the life of the party .619 -.041 .113 -.056 .196 
2 I feel little concern for others .661 .105 -.169 -.058 .310 
3 I am always prepared .589 -.153 .055 .260 .033 
4 I get stressed out easily .554 .293 .155 -.037 .111 
5 I have a rich vocabulary .480 .106 .172 .193 -.130 
6 I don't talk a lot .189 .150 .009 .250 .014 
7 I am interested in people .109 .019 .222 .393 .029 
8 I leave my belongings around -.068 .127 .039 -.035 .522 
9 I am relaxed most of the time .077 -.202 .281 .113 .530 
10 I have difficulty understanding abstract 
ideas .056 .222 -.034 .204 .474 
11 I feel comfortable around people .040 -.130 .033 .431 .250 
12 I insult people .033 .401 -.174 -.164 .202 
13 I pay attention to details .287 -.006 .111 .511 -.054 
14 I worry about things .286 .209 -.085 .389 .115 
15 I have a vivid imagination .267 .084 .121 .516 -.142 
16 I keep in the background .188 .189 .030 .550 -.036 
17 I sympathize with others' feelings -.041 -.049 .250 .473 .142 
18 I make a mess of things -.191 .452 -.275 .031 .239 
19 I seldom feel blue -.107 .076 .064 -.021 .402 
20 I am not interested in abstract ideas .099 .219 .048 .134 .519 
21 I start conversations .135 -.105 .089 .370 .490 
22 I am not interested in other people's 
problems .172 .343 -.006 .025 .395 
23 I get chores done right away .032 .033 .181 .514 .135 
24 I am easily disturbed .001 .386 .118 .197 .072 
25 I have excellent ideas .542 -.099 .467 .212 .002 
26 I have little to say .604 .018 .060 .237 .005 
27 I have a soft heart .428 -.116 .289 .154 .024 
28 I often forget to put things back in their 
proper place .149 .242 -.103 .100 .388 
29 I get upset easily .099 .474 .136 .063 .129 
30 I do not have a good imagination -.008 .507 .106 -.119 .259 
31 I talk to a lot of different people at parties .165 .290 .236 -.036 .368 
32 I am not really interested in others .061 .451 .168 -.026 .245 
33 I like order .160 .068 .649 -.010 .081 
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34 I change my mood a lot .215 .400 .142 -.031 -.034 
35 I am quick to understand things .400 .169 .142 .255 -.072 
36 I don't like to draw attention to myself .278 .111 .083 .221 -.082 
37 I take time out for others .302 .022 .053 .476 .213 
38 I shirk my duties -.153 .287 -.400 .267 .092 
39 I have frequent mood swings .042 .490 .053 .162 .100 
40 I use difficult words .057 .589 .004 .036 .146 
41 I don't mind being the centre of attention .080 .246 .407 .014 .107 
42 I feel others' emotions .113 .172 .590 .068 .062 
43 I follow a schedule -.040 .178 .567 .127 .037 
44 I get irritated easily -.036 .509 .172 .172 -.157 
45 I spend time reflecting on things .167 .241 .357 .320 -.206 
46 I am quiet around strangers .204 .277 .288 .220 -.196 
47 I make people feel at ease .105 .027 .475 .263 .140 
48 I am exacting in my work -.018 .030 .318 .268 .042 
49 I often feel blue -.131 .188 -.046 .114 -.208 
50 I am full of ideas .109 -.084 .526 .147 .079 
Table 4.2:   
Exploratory Factor Analysis of Big Five Personality Scale 
 
 
 
 
Five (5) items did not load significantly onto any of the 5 factors generated. These items 
include items 6, 36, 38, 46, and 49. Factor 1 has 9 items (items 1, 2, 3, 4, 5, 25, 26, 27, and 
35) loading onto it, factor 2 has 10 items (items 12, 18, 24, 29, 30, 32, 34, 39, 40, and 44), 
factor 3 has 7 items (items 33, 41, 42, 43, 47, 48, and 50), factor 4 has 10 items (items 7, 
11, 13, 14, 15, 16, 17, 23, 37, and 45) and factor 5 has 9 items (items 8, 9, 10, 19, 20, 21, 
22, 28, and 31). The factor obtained are therefore named as follows; factor 1=agreeableness, 
factor 2= neuroticism, factor 3= conscientiousness, factor 4= openness and factor 5= 
Extraversion  
4.1.3 Descriptive analysis: Mean, Normality and Reliability  
A descriptive analysis was conducted to check for the means and standard deviation of the 
various study measures/scales. The analysis also checked for the skewness and kurtosis, and 
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the reliabilities (Cronbach’s alphas) of the various measures. The results showed that scores 
on all the measures are evenly distributed. Skewness recorded ranged between -.815 and 
.701. The kurtosis ranged between -1.483 and 2.809. According to Field (2009) and 
Tabachnick and Fidell (2007), normal distribution of scores (skewness and kurtosis) is 
assumes if scores fall within +/-2. The measures also recorded adequate reliability 
coefficients (above .70) except for three subscales that recorded .65 and above. The results 
are presented in Table 4.3 below. 
 
  
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Table 4.3:  
Test of Normality, Reliability, Means and Standard Deviation 
 
 Mean   Cronbach 
Measure  (N=336) Std. Dev. Min  Max  Skewness  Kurtosis Alpha 
SCL (GSI) 1.22 .85 .00 3.21 -.054 -1.483 .98 
• somatization 1.15 .86 .00 3.67 .201 -1.115 .88 
• Obsessive- 1.30 .90 .00 3.50 .083 -1.249 .86 compulsive  
• Interpersonal 
sensitivity 1.32 .94 
.00 3.33 .035 -1.367 .85 
• Depression  1.25 .88 .00 3.54 .078 -1.220 .88 
• Anxiety  1.16 .89 .00 3.40 .190 -1.169 .86 
• Hostility  1.16 1.00 .00 3.67 .309 -1.186 .82 
• Phobic anxiety 1.13 .95 .00 3.57 .263 -1.192 .83 
• Paranoid 
ideation 1.29 .94 
.00 3.67 .211 -.942 .79 
• psychoticism 1.18 .99 .00 3.60 .244 -1.241 .90 
Personality  151.00 21.42 45 196 -.47 1.54 .85 
• Extraversion 30.45 7.11 9 43 -.38 -.51 .77 
• Neuroticism  31.37 6.80 10 46 -.45 .13 .68 
• Agreeableness  29.13 6.22 9 54 -.30 .78 .68 
• Conscientious
ness  24.72 5.08 7 
35 -.63 .39 .71 
• Openness 35.33 6.40 10 47 -.73 .13 .65 
PTG 75.38 19.56 21.00 113.00 -.600 .368 .90 
PTSD 39.49 16.66 17.00 81.00 .078 -1.040 .93 
AWS 118.87 19.39 31.00 166.00 -.815 2.809 .83 
Self-construal 112.47 23.20 24.00 161.00 -.803 1.310 .88 
• Independent .79 
self-construal 57.00 12.56 12.00 83.00 -.711 .766 
• Dependent 
Self-construal 55.47 12.06 12.00 80.00 -.643 .897 
 
.79 
Social support 56.05 15.69 12.00 84.00 -.322 .094 .90 
Self-efficacy 29.15 5.78 10.00 40.00 -.065 -.407 .80 
Belief just world 24.93 7.76 7.00 42.00 -.191 -.392 .80 
Resilience 118.31 23.97 25.00 166.00 -.591 1.030 .91 
Religiosity 32.30 6.44 10.00 40.00 -.578 -.291 .88 
Traumatic history 6.47 5.35 0.00 24.00 .701 -.237 - 
SCL (GSI): Symptoms Checklist (Global Severity Index), PTG: Posttraumatic Growth, 
PTSD: Posttraumatic Stress Disorder, AWS: Assumptive Worldview Scale 
 
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4.1.4 Correlation Matrix 
The correlation matrix presented in table 4.4 below is a Pearson Product Moment 
Correlation Coefficient result showing how the various study variables, and some 
demographic variables (age, duration of residence in disaster area and previous traumatic 
experience) are related. 
It is observed from the table that there is a significant positive correlation previous traumatic 
history and the outcome variables (distress, PTSG and PTG) (r=.58, p<.01; r=.40, p<.01; 
r=.11, p<.05 respectively). There is also a significant negative correlation between 
assumptive world and two outcome variables namely distress and PTSD (r=-.25, p<.01; r=-
.37, p<.01 respectively). Agreeableness correlates negatively but not significantly with 
distress and PTSD (r=-.09, p>.05; r=-.08, p>.05 respectively). On the other hand, 
Neuroticism correlated positively and significantly with distress and PTSD (r=.14, p<.05; 
r=.12, p<.05 respectively) There is also a significant negative relationship independent self-
construal and distress, and PTSD (r=-.48, p<.01; r=-.40, p<.01 respectively) and negative 
significant relationship between dependent self-construal and distress, and PTSD (r=-.48, 
p<.01; r=-.37, p<.01 respectively).  
It is observed that, there is a significant negative correlation between the moderating 
variables (social support, self-efficacy, belief in just world, resilience, and religiosity) and 
two outcome variables (distress and PTG). However, resilience and religiosity correlated 
positively and significantly with PTG. 
 
 
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 Table 4.4:  
Correlation Matrix showing the relationship between Study Variables 
 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 
Age 1                   
Dur. .49** 1                  
GSI .10 -.09 1                 
PTG .12* .08 .29** 1                
PTSD .18** .01 .82** .30** 1               
AW -.04 .00 -.25** .10 -.24** 1              
IndSC -.05 .12* -.48** .05 -.40** .33** 1             
IntSC -.06 .19** -.46** .08 -.37** .40** .78** 1            
Extr -.13* .04 -.39** .04 -.28** .36** .52** .54** 1           
Neur -.01 -.12* .14* .04 .12* .09 .01 .04 .17** 1          
Agr .08 -.03 -.09 -.07 -.08 .09 .13* .19** .27** .44** 1         
Cons .02 .12* -.30** .11 -.27** .32** .29** .32** .40** .25** .27** 1        
Opn -.09 .02 -.39** .09 -.32** .27** .46** .46** .50** .20** .31** .42** 1       
PTH -.15** -.01 -.47** -.07 -.44** .25** .45** .40** .46** -.02 .17** .26** .35** 1      
SS .01 .25** -.36** .08 -.29** .34** .45** .48** .43** -.04 .14* .40** .37** .46** 1     
SE -.30** -.14* -.12* .11 -.15** .11* .20** .21** .30** -.02 .03 .05 .14** .29** .26** 1    
BJW -.02 .18** -.42** .18** -.36** .35** .45** .47** .47** -.02 .12* .49** .43** .50** .67** .25** 1   
Res. -.05 .20** -.46** .13* -.35** .40** .49** .55** .53** -.06 .16** .38** .37** .49** .60** .22** .63** 1  
Rel. .10 -.19** -.58** .11* -.40** .23** -.44** -.42** -.39** .06 -.05 -.28** -.31** -.25** -.36** .000 -.34** -.44** 1 
*p<.05; **p<.01; n=336 
Dur=Duration in residence, GSI= Global severity index PTG= Posttraumatic Growth, PTSD=Posttraumatic stress disorder, AW= Assumptive world, 
IndSC= Independent self-construal, IntSD=Interdependent self-construal, Extr=Extraversion, Neur= Neuroticism, Agr= Agreeableness, 
Con=Conscientiousness, Opn= Openness, PTH= Previous Traumatic History, SS= Social support, SE= Self-efficacy, BJW=Belief in Just World, 
Res=Resilience, Rel=Religiosity 
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4.1.5 Hypotheses Testing 
Hierarchical multiple regression analyses were conducted to test the first three hypotheses. 
Before the regression analysis was conducted, a test for multicollinearity was conducted 
using the Variance Inflation Factor (VIF) and Tolerance values. For this assumption to be 
met, Tabachnick and Fidell (2006) propose a tolerance value greater than .10 and VIF value 
less than 10. The tolerance values in this study ranged between .34 and .85 and the VIF 
values ranged between 1.21 and 2.96. This thus satisfies the multicollinearity assumption.   
For the first two hypotheses, a two-step regression was conducted. In the step one, the effect 
of demographic variables was tested. This also helped to hold such effect constant in order 
not to influence the impact of the independent variables. Categorical demographic variables 
were held dummy coded. For example, Gender: 1=Male, 0=Female, Education: 1=Basic 
education, 0=Others, Employment: 1=No employment, 0=others.  In the step two of the 
regression, the independent variables were entered. These include the risk and protective 
factors. 
For the moderation analysis for the hypothesis three, the first two steps described above 
were used in addition to a third step where the interaction terms for the independent variables 
and the moderating variables were entered. The results are presented according to each 
hypothesis below. 
Hypothesis one: Testing the effects of Personality, independent self-construal, assumptive 
world, and early traumatic experience on General Distress and PTSD 
This hypothesis states that risk factors (independent self-construal, personality, assumptive 
world, and early traumatic experiences) will predict posttraumatic distresses (PTD) (general 
distress and PTSD) among flood disaster victims. A hierarchical multiple linear regression 
was used the results are presented in the Tables 4.5 and 4.6. 
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From Table 4.5, the overall regression model observed is significant, accounting for 51.2% 
variance in general distress (R2=.51, F=16.52, p=.00). Controlling for the effect of 
demographic variables in step 1 shows a significant model (R2=.09, F=5.18, p=.00) with age 
(β=.17, p<.05), education (β=-.19, p<.01), and duration in residence (β=-.14, p<.05) 
significantly affects general distress.  
The step 2 also shows a significant model a significant model (ΔR2=.43, F=16.52, p<.01). 
It is observed that of all the risk factors being tested in this hypothesis, only neuroticism 
(β=.16, p<.01), and early traumatic experience (β=.37, p<.01) contribute significantly to the 
total variance in psychological distress. The contributions of independent self-construal and 
assumptive world on the other hand are not significant [β=-.06, p>.05; and β=-.07, p>.05 
respectively]. 
In addition, the effect of protective factors on general distress was tested. The results shows 
that only social support (β=-.24, p<.01) contributes a significant reduction in the total 
variance of general distress. It was also observed that openness contributes a significant 
reduction in the total variance of general distress (β=-.12, p<.05). Resilience, self-efficacy, 
belief in just world and religiosity did not contribute significantly to the total variance in the 
general distress. 
  
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Table 4.5: 
 Hierarchical Multiple Linear Regression showing how Risk Factors predict General 
Psychological Distress  
Model  B Std. Error β t P 
1 (Constant) 1.021 .221  4.618 .000 
Age .014 .006 .174 2.480 .014 
Gender -.168 .094 -.097 -1.788 .075 
Education -.358 .103 -.186 -3.488 .001 
Marital Status .104 .105 .061 .997 .320 
Employment  -.175 .223 -.042 -.784 .434 
Duration in residence -.014 .006 -.144 -2.289 .023 
2 (Constant) 2.512 .396  6.336 .000 
Assumptive world .000 .002 -.011 -.233 .816 
Independent Self-construal -.004 .005 -.064 -.935 .351 
Dependent Self-construal -.006 .005 -.091 -1.291 .198 
Extraversion .006 .007 .048 .845 .399 
Neuroticism .021 .006 .166 3.520 .000 
Agreeableness -.002 .007 -.017 -.354 .723 
Conscientiousness -.015 .008 -.087 -1.730 .085 
Openness -.016 .007 -.124 -2.377 .018 
Previous Trauma history .060 .008 .374 7.110 .000 
Social support -.013 .003 -.243 -4.755 .000 
Self-efficacy .010 .009 .065 1.100 .272 
Belief in just world .000 .005 -.004 -.084 .933 
Resilience -.002 .002 -.047 -.759 .449 
Religiosity -.004 .008 -.034 -.555 .579 
R2 =.512, F=19.624, p<.00; R2 =.086, F=5.177, p< .001 for step 1; ΔR2=.426, F=16.520, 
p< .001 for step2 
 
 
From the table 4.6 below, below, a significant model was also observed (R2=.37, F=10.87, 
p<.01). Step 1 which controlled form demographic variables also produced a significant 
model (R2=.07, F=3.83, p<.01) with age (β=.23, p<.01) and gender (β=-.12, p<.05) 
significantly contributing to the total variance in PTSD. A significant model is also observed 
at step 2 (ΔR2=.31, F=9.24, p<.01). It is observed that two risk factors namely neuroticism 
(β=.17, p<.01), and early traumatic experience (β=.23, p<.01), significantly contribute to 
the total variance in the PTSD. In addition to these, extraversion significantly contributes to 
the total variance in PTSD (β=.13, p<.05). 
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The result also shows that social support is the only protective factor (β=-.26, p<.01) 
contributes a significant reduction in the total variance of PTSD. Resilience, self-efficacy, 
belief in just world and religiosity did not contribute significantly to the total variance in the 
PTSD. However, conscientiousness also contributes a significant reduction in the total 
variance of PTSD (β=-.13, p<.03). 
Table 4.6: 
 Hierarchical Multiple Linear Regression showing how Risk Factors predict PTSD  
Model  B Std. Error β t P 
1 (Constant) 30.141 4.371  6.896 .000 
Age .372 .113 .234 3.291 .001 
Gender -4.089 1.855 -.122 -2.205 .028 
Education -1.304 2.030 -.035 -.642 .521 
Marital Status 1.787 2.067 .053 .864 .388 
Employment -3.417 4.412 -.042 -.775 .439 
Duration in residence -.160 .122 -.083 -1.316 .189 
2 (Constant) 63.245 8.803  7.184 .000 
Assumptive world -.051 .045 -.059 -1.138 .256 
Independent Self-construal -.133 .103 -.100 -1.293 .197 
Dependent Self-construal -.075 .110 -.054 -.681 .496 
Extraversion .300 .151 .128 1.982 .048 
Neuroticism .424 .131 .173 3.236 .001 
Agreeableness -.171 .148 -.064 -1.162 .246 
Conscientiousness -.411 .187 -.125 -2.196 .029 
Openness -.254 .154 -.097 -1.650 .100 
Previous Trauma history .726 .186 .233 3.898 .000 
Social support -.279 .062 -.263 -4.531 .000 
Self-efficacy .181 .193 .063 .936 .350 
Belief in just world -.031 .111 -.015 -.282 .778 
Resilience -.037 .049 -.053 -.756 .450 
Religiosity .015 .178 .006 .083 .934 
R2 =.370, F=10.873 p<.00; R2 =.065, F=3.832, p< .001 for step 1; ΔR2=.305, F=9.243, 
p< .001 for step2 
 
 
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Hypothesis Two: Testing the effects of social support, intervention, belief in just world, 
religiosity, self-efficacy, and resilience on PTG 
This hypothesis states that Protective factors (social support, intervention, belief in just 
world, religiosity, self-efficacy, and resilience) will predict posttraumatic growth (PTG) 
among flood disaster victims. To test the hypothesis, demographic factors (age, gender, 
number of years in residence, education, marital status and employment) were held constant. 
The hypothesis was tested using a hierarchical multiple linear regression. However, in this 
study none of the participants reported receiving professional psychological intervention. 
Therefore, intervention was excluded from the analysis. The result is presented in the Table 
4.7 below. 
The results show a significant model accounting for 18.9% variance in PTG (R2=.189, 
F=2.70, p=.00). Controlling for the effect of demographic variables in step 1 also shows a 
significant model (R2=.09, F=5.53, p=.00) with gender (β=-.12, p<.05), education (β=-.15, 
p<.01), and employment (β=-.18, p<.01) significantly affects PTG.  
Model 2 is also significant (ΔR2=.10, F=3.67, p<.01) with social support (β=-.21, t=3.36, 
p<.01), belief in just world (β=.13, t=.13, p<.05) resilience (β=.21, t=2.74, p<.01) and 
religiosity (β=.15, t=1.98, p=.05) contributing significantly to the total variance in the PTG. 
Self-efficacy on the other hand does not contribute significantly to the variance in PTG (β=-
.12, t=2.23p>.05). 
It is also observed that, no risk factor (neuroticism, previous traumatic history, assumptive 
world and independent self-construal) significantly predicts PTG. However, agreeableness 
contributes a significant reduction in the total variance of PTG (β=-.12, p<.05). 
 
 
 
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Table 4.7:  
Hierarchical Multiple Linear Regression showing how Protective Factors predict 
PTG  
Model  B Std. Error β t P 
1 (Constant) 77.492 5.057  15.324 .000 
Age .028 .131 .015 .215 .830 
Gender -4.796 2.146 -.121 -2.235 .026 
Education -6.751 2.349 -.153 -2.874 .004 
Marital Status -2.190 2.391 -.056 -.916 .360 
Employment -17.218 5.104 -.182 -3.373 .001 
Duration in residence .250 .141 .111 1.775 .077 
2 (Constant) 41.083 11.720  3.505 .001 
Assumptive world .027 .060 .027 .460 .646 
Independent Self-construal .003 .137 .002 .019 .985 
Dependent Self-construal .073 .147 .045 .496 .620 
Extraversion .021 .202 .008 .105 .916 
Neuroticism .221 .175 .077 1.267 .206 
Agreeableness -.392 .196 -.124 -1.994 .047 
Conscientiousness .038 .249 .010 .153 .878 
Openness .166 .205 .054 .808 .419 
Previous Trauma history .464 .248 .127 1.870 .062 
Social support -.263 .082 -.211 -3.206 .001 
Self-efficacy -.343 .257 -.102 -1.334 .183 
Belief in just world .318 .148 .126 2.156 .032 
Resilience .172 .065 .211 2.643 .009 
Religiosity .463 .237 .153 1.952 .050 
R2 =.189, F=2.703 p<.00; R2 =.092, F=5.527, p< .001 for step 1; ΔR2=.097, F=3.671, p< 
.001 for step2 
 
Hypothesis Three – Testing the moderating effects of effect of social support, self-efficacy, 
belief in just world, resilience and religiosity on the relationship between neuroticism, 
previous traumatic history, assumptive world, independent self-construal and general 
distress and PTSD 
Hypothesis three states that Protective factors will significantly moderate the relationship 
between risk factors and PTD among flood disaster victims. It is expected that protective 
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factors will weaken the relationship between risk factors and PTD. Thus, the stronger the 
protective factor, the weaker the relationship will be. 
To test this hypothesis, a hierarchical multiple linear regression using Baron and Kenny’s 
moderation analysis method was employed. Baron and Kenny (1986) provided a 
comprehensive approach to moderation analysis. In the Baron and Kenny (1986) 
moderation approach, there are series of steps. First, the predictor and moderator are centred 
(standardized). This is a linear transformation method that eliminates problems associated 
with multi-collinearity. This is done by subtracting the mean value for a variable from each 
score for that variable (Lingard & Francis, 2006). Secondly, an interaction term is computed 
(i.e., predictor X moderator) using the standardized values. In the third step, the outcome 
variable is regressed on the predictor, moderator, and their interaction. That is, in the 
hierarchical regression analysis, the predictor is entered in the first block, followed by the 
moderator in the second block and the interaction term in the third block. If the interaction 
effect is significant (i.e., if β of predictor X moderator is significant), then there is a 
moderation effect. However, if the interaction term is not significant, then there is no 
moderation effect. 
Following these steps, the dependent variables were used in separate hierarchical multiple 
regressions, first for psychological distress and second for PTSD. They were regressed on 
neuroticism, assumptive world, independent self-construal and previous traumatic history 
(as predictors) and social support, self-efficacy, belief in just world, resilience and 
religiosity (as moderators) in the second block, after controlling for demographic variables 
in the first block. The interaction terms were entered in the third block. The results are 
presented in tables 4.8 and 4.9 below. 
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In the result presented in the Table 4.8 below, a significant model is observed (R2=.62, 
F=4.61, p<.01). The step 1 produced a significant model with demographic variables 
contributing significantly to the total variance in general psychological distress (R2=.09, 
F=4.61, p<.01). Step 2 also produced a significant model with the predictors and moderators 
contributing significantly (42.6%) to the total variance in general psychological distress 
(ΔR2=.43, F=19.62, p<.01). In this model, neuroticism (β=.17, p<.01), openness (β=-.12, 
p<.05), previous traumatic history (β=.37, p<.01) and social support (β=-.24, p<.01) 
independently contribute significantly to the total variance in psychological distress.   
In step 3, a significant model was observed with a total of 11.6% variance in general 
psychological distress (ΔR2=.116, F=12.455, p<.01). The result shows that the interaction 
terms between assumptive world and religiosity (β=-.22, p<.01), independent self-construal 
and resilience (β=-.20, p<.01), neuroticism and social support (β=-.12, p<.05), neuroticism 
and self-efficacy (β=.20, p<.01), and neuroticism and resilience (β=-.18, p<.01) are 
significant. 
In summary, religiosity moderates the relationship between assumptive world and general 
psychological distress, resilience moderates the relationship between independent self-
construal and general psychological distress, social support moderates the relationship 
between neuroticism and psychological distress, and self-efficacy and resilience moderate 
the relationship between neuroticism and general psychological distress.  
  
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Table 4.8:  
Hierarchical Multiple Linear Regression showing the moderating effect of Social Support, 
Self-esteem, Belief in Just World Resilience, and Religiosity on the Relationship between 
Risk Factors (Assumptive World, Independent Self-construal and Previous Traumatic 
History) and General Distress. 
 
Model B Std. Error β t p 
1 (Constant) 1.021 .221  4.618 .000 
Age .014 .006 .174 2.480 .014 
Gender -.168 .094 -.097 -1.788 .075 
Education -.358 .103 -.186 -3.488 .001 
Marital Status .104 .105 .061 .997 .320 
Employment -.175 .223 -.042 -.784 .434 
Duration in residence -.014 .006 -.144 -2.289 .023 
2 (Constant) 2.512 .396  6.336 .000 
Assumptive world .000 .002 -.011 -.233 .816 
Independent Self-construal -.004 .005 -.064 -.935 .351 
Dependent Self-construal -.006 .005 -.091 -1.291 .198 
Extraversion .006 .007 .048 .845 .399 
Neuroticism .021 .006 .166 3.520 .000 
Agreeableness -.002 .007 -.017 -.354 .723 
Conscientiousness -.015 .008 -.087 -1.730 .085 
Openness -.016 .007 -.124 -2.377 .018 
Previous Trauma history .060 .008 .374 7.110 .000 
Social support -.013 .003 -.243 -4.755 .000 
Self-efficacy .010 .009 .065 1.100 .272 
Belief in just world .000 .005 -.004 -.084 .933 
Resilience -.002 .002 -.047 -.759 .449 
Religiosity -.004 .008 -.034 -.555 .579 
3 (Constant) 3.258 .414  7.864 .000 
AW X Social support -.036 .029 -.059 -1.228 .221 
AW X Self-efficacy -.021 .060 -.029 -.347 .729 
AW X Just world -.030 .034 -.045 -.882 .378 
AW X Resilience .033 .053 .053 .621 .535 
AW X Religiosity -.142 .040 -.220 -3.545 .000 
Trauma history X Social support .111 .058 .116 1.919 .056 
Trauma history X Self-efficacy -.043 .057 -.045 -.761 .447 
Trauma history X Just world .043 .052 .048 .820 .413 
Trauma history X Resilience .121 .062 .122 1.936 .054 
Trauma history X Religiosity -.028 .047 -.031 -.591 .555 
IndSC X Social support .046 .042 .065 1.103 .271 
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IndSC X Self-efficacy .086 .060 .106 1.422 .156 
IndSC X Just world -.050 .043 -.068 -1.152 .250 
IndSC X Resilience -.133 .044 -.198 -3.051 .002 
IndSC X Religiosity .050 .040 .073 1.247 .214 
Neuroticism X Social support -.085 .037 -.119 -2.270 .024 
Neuroticism X Self-efficacy .149 .051 .201 2.900 .004 
Neuroticism X Just world -.025 .034 -.034 -.743 .458 
Neuroticism X Resilience -.120 .046 -.179 -2.614 .009 
Neuroticism X Religiosity -.002 .052 -.002 -.032 .974 
AW= Assumptive world; IndSC= Independent self-construal 
R2 =.628, F=4.607, p< .01; R2 =.086, F=5.177, p< .01 for step 1; ΔR2=.426, F=19.624, 
p< .01 for step2; ΔR2=.116, F=12.455, p< .001 for step3 
 
The Table 4.9 below presents the results of the moderation effect of the moderating variables 
on the relationship between the predictors and PTSD. The regression shows a significant 
model (R2=.53, F=5.43, p<.01). In step 1, the effect of the demographic variables were 
controlled. This shows a significant model (R2=.065, F=3.83, p<.01). In step 2, a significant 
model is observed with a total variance of 30.5% in PTSD (R2=.305, F=10.87, p<.01). The 
step 3 also produced a significant model with 17.0% variance in PTSD (ΔR2=.170, F=8.63, 
p<.01).  
In the model 3, it is observed that social support (β=-.108, p<.05), belief in just world (β=-
.137, p<.05), and religiosity (β=-.202, p<.01) significantly moderates the relationship 
between assumptive world and PTSD.  It is also observed that the relationship between 
previous traumatic history and PTSD is significantly moderated by belief in just world 
(β=.153, p<.05). Finally, social support (β=-.181, p<.01) self-efficacy (β=.170, p<.05) and 
resilience (β=-.166, p<.05) significantly moderate the relationship between neuroticism and 
PTSD.   
In summary, social support, belief in just world and religiosity significantly moderate the 
relationship between assumptive world and PTSD, belief in just world significantly 
moderates the relationship between previous traumatic history and PTSD; and social 
support, self-efficacy and resilience significantly moderate the relationship between 
neuroticism and PTSD. 
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Table 4. 9:  
Hierarchical Multiple Linear Regression showing the moderating effect of Social Support, 
Self-esteem, Belief in Just World Resilience, and Religiosity on the Relationship between 
Risk Factors (Assumptive World, Independent Self-construal and Previous Traumatic 
History) and PTSD 
 
Model B Std. Error β t P 
1 (Constant) 30.141 4.371  6.896 .000 
Age .372 .113 .234 3.291 .001 
Gender -4.089 1.855 -.122 -2.205 .028 
Education -1.304 2.030 -.035 -.642 .521 
Marital Status 1.787 2.067 .053 .864 .388 
Employment -3.417 4.412 -.042 -.775 .439 
Duration in residence -.160 .122 -.083 -1.316 .189 
2 (Constant) 63.245 8.803  7.184 .000 
Assumptive world -.051 .045 -.059 -1.138 .256 
Independent Self-construal -.133 .103 -.100 -1.293 .197 
Dependent Self-construal -.075 .110 -.054 -.681 .496 
Extraversion .300 .151 .128 1.982 .048 
Neuroticism .424 .131 .173 3.236 .001 
Agreeableness -.171 .148 -.064 -1.162 .246 
Conscientiousness -.411 .187 -.125 -2.196 .029 
Openness -.254 .154 -.097 -1.650 .100 
Previous Trauma history .726 .186 .233 3.898 .000 
Social support -.279 .062 -.263 -4.531 .000 
Self-efficacy .181 .193 .063 .936 .350 
Belief in just world -.031 .111 -.015 -.282 .778 
Resilience -.037 .049 -.053 -.756 .450 
Religiosity .015 .178 .006 .083 .934 
3 (Constant) 74.353 9.010  8.252 .000 
AW X Social support -1.282 .632 -.108 -2.029 .043 
AW X Self-efficacy -.906 1.300 -.064 -.698 .486 
AW X Just world -1.757 .733 -.137 -2.397 .017 
AW X Resilience 2.022 1.151 .168 1.756 .080 
AW X Religiosity -2.543 .869 -.202 -2.925 .004 
Trauma history X Social support 2.258 1.254 .121 1.800 .073 
Trauma history X Self-efficacy -.187 1.236 -.010 -.152 .880 
Trauma history X Just world 2.670 1.134 .153 2.354 .019 
Trauma history X Resilience .574 1.356 .030 .424 .672 
Trauma history X Religiosity .561 1.033 .032 .543 .587 
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IndSC X Social support .087 .909 .006 .096 .924 
IndSC X Self-efficacy 2.062 1.314 .130 1.570 .118 
IndSC X Just world -1.147 .943 -.080 -1.217 .224 
IndSC X Resilience -1.309 .948 -.100 -1.381 .168 
IndSC X Religiosity .197 .871 .015 .227 .821 
Neuroticism X Social support -2.518 .813 -.181 -3.097 .002 
Neuroticism X Self-efficacy 2.467 1.118 .170 2.207 .028 
Neuroticism X Just world -.741 .744 -.050 -.997 .320 
Neuroticism X Resilience -2.170 .997 -.166 -2.176 .030 
Neuroticism X Religiosity .210 1.133 .015 .185 .853 
 
AW= Assumptive world; IndSC= Independent self-construal 
R2 =.539, F=5.427, p< .01; R2 =.065, F=3.832, p< .01 for step 1; ΔR2=.305, F=10.873, 
p< .01 for step2; ΔR2=.170, F=8.634, p< .001 for step3 
 
Hypothesis Four: Testing the relationship between protective factors (social support, 
self-efficacy, belief in just world, resilience and religiosity), and PTD 
This hypothesis states that protective factors will have a significant negative relationship 
with PTD among flood disaster victims. This was analysed using the Pearson Product 
Moment Correlation Coefficient (Pearson r). The result is presented in the correlation matrix 
table (Table 4.4 above). The results shows that all five protective factors namely social 
support, self-efficacy, belief in just world, resilience and religiosity are negatively and 
significantly correlated with psychological distress (r=-.47, p<.01), (r=-.36, p<.01), (r=-.12, 
p<.05), (r=-.42, p<.01), (r=-.46, p<.01) respectively and PTSD (r=-.44, p<.01), (r=-.29, 
p<.01), (r=-.15, p<.01), (r=-.36, p<.01), (r=-.35, p<.01) respectively. This supports the 
hypothesis being tested. However, subjecting these variables regression analysis, it was 
observed that only social support significantly contributed to a reduction in the PTG. 
Hypothesis Five: Testing the relationship between PTD and PTD 
There will be a significant negative relationship between PTG and PTD among flood 
disaster victims. This was analysed using the Pearson Product Moment Correlation 
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Coefficient (Pearson r). The result is presented correlation matrix table (Table 4.4 above). 
The result indicated that there is rather a significant positive correlation between PTG and 
PTSD (r=.82, p=.00). There is also a significant positive correlation between PTG and 
general psychological distress (r=.29, p=.00). This does not support the hypothesis being 
tested. It means an increase in PTG corresponds with a possible increase in PTD and vice 
versa.  
 
4.1.6 Summary of Qualitative Findings 
The following is a summary of the results of the data analysis presented above: 
1. Neuroticism, and previous traumatic history significantly predict general 
psychological distress and PTSD. 
2. Social support, belief in just world, resilience, and religiosity significantly predict 
PTG 
3. A.  
i. Religiosity significantly moderates the relationship between assumptive 
world and psychological distress  
ii. Resilience moderates the relationship between independent-self-construal 
and psychological distress 
iii. Social support significantly moderates the relationship between neuroticism 
and psychological distress 
iv. Self-efficacy and resilience significantly moderate the relationship between 
neuroticism and psychological distress. 
B.  
i. Social support, belief in just world, and religiosity significantly moderate 
the relationship between assumptive world and PTSD  
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ii. Belief in just world significantly moderate the relationship between 
previous traumatic history and PTSD 
iii. Social support, self-efficacy and resilience significantly moderate the 
relationship between neuroticism and PTSD 
4. Social support, self-efficacy, belief in just world, resilience and religiosity are 
negatively and significantly correlated with PTD (psychological distress and PTSD) 
5. There is a significant positive correlation between PTG and PTD 
 
4.1.7 Additional Findings 
Additional findings from the results include; 
• Openness significantly and negatively predicts general psychological distress 
• Extraversion significantly and positively predicts PTSD 
• Conscientiousness significantly and negatively predicts PTSD 
• Agreeableness significantly and negatively predicts PTG 
• Social support significantly and positively predicts PTD (general psychological 
distress and PTSD) 
• Age, education, duration in residence predict PTD  
• Gender, education and employment predict PTG 
 
4.2 Qualitative Results 
In all, three themes were generated. These include experiences during disaster, 
psychological impacts and adjustment factors. Each of these themes have subthemes that 
are presented below with corresponding quotes. The themes were carefully named to reflect 
the information provided by participants and also to satisfy the research questions to be 
answered by the study. 
 
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Table 4.10: Summary of Themes, Subthemes and Supporting Quotes 
Theme Subtheme Supporting Quote 
Perceived Engineering “…when they were constructing the N1 high way, there was 
cause of failures. this big gutter… But immediately they constructed that N1 
Disaster they blocked that gutter… the new gutter that they were 
 constructing was left half way. (P 1, Female, 36years) 
Anti- “…Some environs dispose their refuse into the gutters. 
environmental …Those in Alajo do not have toilets, so they even throw their 
behaviours faecal matters into the gutters.” (P 5, male, 37years) 
Experiences Loss and Disfigurement: “…Look at my body. Now I always have to 
following Biographical wear long sleeves and a cap to cover myself. People fear 
disaster   disruption how I look now... (P 8, male, 47years) 
Death: “…My elder sister who was 58 years died… Because 
of the fire…And my senior brother whose 18 years girl was 
also at the down also lost her life”. (P 2, female, 22years) 
Loss of property: “…Well, we lost a lot of material things. 
Our clothes, cars and many things” (P12, male, 32years) 
Psychological Anxiety: “…I always dream about it. It’s like the thing is 
impacts happening again. I fear at night because of the dreams. Even 
during the day sometimes, I dream about it. When I have the 
dream and I wake up then I become disturbed.” (P 8, male, 
47years) 
Behavioural changes: Currently, I do not sleep so well, I 
wake up at 2 am and can’t go back to bed. Whereas I sleep 
better outside.” (P 4 female, 48years) 
Mood effects: “…My brother, it is tough for me. If not my 
wife, hmmm. If it were some women, they would have left 
me. I have been crying aaa. I feel really sad.” (P 8, male, 
47years) 
3. Societal level “…A lot of support for possessions came. NADMO also 
Adjustment intervention   came. Government gave us GHS 100 for 3 months. They 
experiences   registered us and gave us and ATM card [Actually an ezwich 
card] which we withdrew funds for just 3 months. (P5, male, 
37years). 
 Family level “…my daughter lives at Italy… so my daughter come down 
intervention and she came to help me to acquire those things back… 
helped me to build my own house where I now live” (P7, 
male, 60years). 
 Spiritual “…at first I was not going to church. It is now that I am 
support going. They don’t know anything about my situation. But for 
me I go to church now because I know what God has done 
for me.” (P 10, male, 30years) 
 Post disaster “…I think government must do something; they must 
vulnerability sympathise with us. If they promise something and they are 
not doing it, they should know that we are suffering.” (P 10, 
male, 30years) 
 
 
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Perceived cause of disaster 
This subtheme examines the impression participants had about the cause of the disaster. 
Participants who happen to be at the point of the disaster had their own beliefs about what 
might have resulted in the disaster. From the narratives, it was noted that participants 
attributed the disaster to inappropriate town planning and constructions and human 
behaviours. Therefore, two subthemes emerged under this theme namely engineering 
failures and anti-environmental behaviours. 
Engineering failures: This subtheme describes the cause of the disaster participants 
attributed to construction or engineering problems. At the time of the disaster, the Kwame 
Nkrumah Circle Interchange was under construction. Probably, during the construction, 
drainages were temporarily blocked either deliberately or not deliberately by construction 
works. Participants indicated that this might have resulted in the flooding. For example, one 
participant stated that “…the road was under construction so trip of sand covered the roads, 
gutters so the rain came with force and did not get a place to pass. It entered the tank and 
uncover the top and the fuel came out” (Participant 2, Female, 44years). 
Another participant whose residence is not within the construction zone but was still flooded 
supported the idea that engineering failures might account for the disaster. This is because 
construction works in her vicinity was done several years before the disaster. She states that 
“…when they were constructing the N1 high way, there was this big gutter even though at 
first it gets flooded but it was just around the edges, not major flooding. But immediately 
they constructed that N1 they blocked that gutter… the new gutter that they were 
constructing was left half way. They didn’t do the rest” (Participant 1, Female, 33years) 
Some participants also attributed the fire to poor maintenance at the fuel filling station. 
Some of them said the following:  
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“…what I know is that, first we share wall with the filling station, anytime it rains 
they use rubber to cover their machines because of leakage. When it rains the petrol 
burst” (Participant 2). 
“…my house shares a wall with the filling station. From 5pm the rain was getting 
heavier, thus it entered our house to the level of our neck. You could smell petrol in 
the water, but since we had 2 vehicles in the yard, I assumed it was from their burst 
fuel tanks. However, the smell of fuel was so much that you’ll have to cover your 
nose before you could enter my room. I then realised it was from the filling station 
and not our vehicles. The smell of fuel was also on me” (Participant 4) 
“…the filing station that exploded, the owner didn’t maintain the place. I heard there 
were leakages from their fuel reservoir. And then also the authorities that needed to 
check all those things must be punished. Ghana we are not serious at all. So this 
thing happened and people talk and talked but now it has died off again” 
(Participant 12) 
 
Anti-environmental behaviours: This is about negative human behaviours that might have 
resulted in the floods and related disasters. Participants attributed the disaster to these 
behaviours by indicating that people indiscriminately dispose refuse into the drains. The 
refuse choke the drains and prevent the free flow of running water whenever it rains. This 
diverts the water into homes and cause flooding. They also stated that some households do 
not have toilet facilities and so dispose their feacal matter into the drains. One of the 
participants admonished Ghanaian by saying ‘…Ghanaians must learn to protect our own 
environment’ (Participant 9, male, 42years).  
 
These are some of the responses participants gave about this: 
“…We have a big gutter but you see people throwing rubbish and defecating into it 
especially in the morning. So all these things contributed to the flood” (Participant 
1, Female, 36years) 
“…some from dispose their refuse into the gutters. ... Those who do not have toilets 
… even throw their faecal matters into the gutters (Participant 5, male, 37Years). 
 
 
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Experiences following disaster   
This theme describes the impact of the experiences of the participants. These include 
experiences both during and after the disaster. Participants experienced physical and 
psychological impacts and these are captured under subthemes known as biographical 
disruption and psychological impacts. 
Biographical disruption: This describes physical or bodily disfigurement or alterations 
caused by the disaster to participants. Those who were affected by the fire had some various 
degrees of burns. This leaves them with some physical deformities that affect their daily 
activities. For example, one participant stated that  
“…Look at me body. Now I always have to wear long sleeves and a cap to cover 
myself. People fear how I look now. Look at my picture [participant pulls out a 
picture of himself before the disasters and he looks really different]. Now look at me. 
The difference. Hmmm”. (Participant 8, male, 47 years).  
He also indicated that due to his current appearance he has only limited places to go to 
because people will laugh at him. For example, he said; “…when my children say their 
parents should come to PTA (Parent-Teacher Association), I can’t go again because their 
friends will laugh at them.” (Participant 8, male, 47 years). 
Other participants who were also burnt in the disaster stated how they are disfigured as 
follows; 
“…I was also burnt. It wasn’t a small issue, from my head to toe, every part of my 
body burnt… I look old at once” (Participant 3, female, 38years). 
 
“…I also feel bad about my skin now. I am not married and now see my skin. I feel 
shy.” (Participant 12, male, 32years) 
 
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Another participant indicated that even though she was not burnt, when jumped from a 
storey building in an attempt to escape the fire and this got her paralysed after a couple of 
weeks. She stated the following;  
 “…It was after say around 2 weeks then I could see that when I am walking, my 
legs wobbles. So I didn’t know anything about spine something. So one morning, 
when we woke up we swept the area, and I sat down, I wanted to get up, but I couldn’t 
get up… It has disabled me, it cost me my ability to work.” (Participant 6, female, 
63years). 
 
This participant also indicated that her current state has rendered her unable to work since 
she is not able to walk and move about;  
“…I am not able to work. Because it is from this work, I use to gather small, small 
money to help these children and now that I am not going. There is no father, I am 
the only father and the mother. So I can say it is Jehovah GOD that has sustained 
us.” (Participant 6, female, 63years). 
 
Participant 2 stated that she had skin depigmentation due to the fuel that spilled on the 
surface of the water. She was not burnt but because she swam through the water, her skin 
was affected significantly.  
“…The problem I face is that I was not burnt, but when I jumped from the top there 
was a container choked there so my side hit the container before it turned me. 
Because of the road construction there were a lot of things packed as the rain roll 
you the things will be hitting you. See my skin. The colour has changed” (Participant 
2, female, 44years). 
 
The words of one participant suggests that there is a level of stigma towards disfigurement 
in society. His comment suggests that society needs to appreciate the challenges of people 
and support them in which ever small way and that acceptance will help sufferers: 
“…Ghanaians must know that there are people in society who are ugly not because 
they want it. Let them accept them.” (Participant 8). 
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Participants also suffered the loss of their loved ones such as relatives and friends. Some 
loss their relations or friends through the fire and others through the flood. Some 
participants said the following;  
“…My elder sister who was 58 years died… Because of the fire. She was not at the 
top, she was down. And my senior brother whose 18 years girl was also at the down 
also lost her life” (Participant 2, female, 44years). 
“…I have no family members left. The fire killed all of them” (Participant 5, male, 37years).  
 
Some lost their marital partners and were confronted with the difficulty of breaking the 
news of the death to the children; 
“…Finally, I gathered the courage to go to Circle. She was not there too. My 
brother, it was on the 7th day that I found my wife’s body at the mortuary at 37 
hospital ooo. I couldn’t cry. I was trying to be strong for my children. We have two 
children. They were always asking where their mother was. I was just hoping to see 
her at least alive in the hospital and tell them something but finally I have to go and 
break the news to them” (Participant 9). 
 
 
Participants also lost their properties in the disaster. Some lost their homes, clothing, cars, 
and shops and other belongings. For some, it was all their live time possession that they 
have lost. Due to this, some participants find it difficult to resettle. Some sleep outside 
because they are unable to raise funds to rent accommodation. Some who were previously 
importers are now selling sachet water. 
Some participants who lost properties said;  
“…We lost everything. We didn’t pick anything from that house. But you know 
people even came and robbed the few things that remained” (Participant 1, female, 
36years). 
“…I lost all my possessions. My electronic devices, wardrobe, the building even had 
cracks” (Participant 5, male, 37years). 
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“…Well, we lost a lot of material things. Our clothes, cars and many things” 
(Participant 12, male, 32) 
For others, the loss of the job appears to have completely redefine their state and they 
perceive that they have reduced to nothing: 
“…I am into business, I import things. My customer is in Italy and one is in US, 
they send me things, mattress, television, fridge and others.  I cleared them, I do 
supply to my customers in Bogoso, Goaso, Prestea, and Tarkwa… Now I sell pure 
water, my ice chest is behind you”. (Participant 2, female, 44years) 
 
Some victims have hard time making a living because their source of livelihood had been 
severely affected. For example, some participants said;  
“…Since then we have been through hardship. We don’t get money to do 
anything” (Participant 3).  
Others also indicated;  
“…I sleep outside, those are my things. My bags, sponge everything is inside. I 
sleep in front of Vienna City.” (Participant 2). Another added; “…it has cost me 
my children’s schooling” (Participant 6, female, 63years). 
 
 Psychological impacts: This subtheme examines the psychological distress endured by 
victims over the years as a result of the disaster they experienced. This captures three 
dimensions namely anxiety, behavioural changes, and mood effects. 
With regards to anxiety, long after the disaster participants still expressed feelings of 
uneasiness and fear about the event and related situations. They reported nightmares and 
uncomfortable memories about the event. Some participants expressed anxiety over the 
location of the disaster as shown in the following narratives;  
“…I stopped going to circle or passing there. I remember one day I was going to 
Accra from Achimota, I used 37 instead of circle. It makes my heart beat. But this 
year I manage to go there like three times.” (Participant 10, male, 30years) 
 
“…Eeii, I get scared when I see it [i.e. the circle filling station], I panic. After we 
were discharged from the hospital I didn’t want to come here. I came and stood at 
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an area and decided boldly to come if not the fear will be there forever. So I came 
with boldness, courage but sometimes I get frightened with goose bumps.” 
(Participant 4, female, 48years). 
 
“…I still use circle to the work and back. When I get there at first it scares me. Right 
now, it annoys me.” (Participant 12, male, 32years)  
 
Some participants also indicated that they experience anxiety at specific times such as 
towards night, and during rains. “…I get panic, when am sleeping or walking around and 
when it’s getting to evening” (Participant 3). Another said “…I am better now but whenever 
it rains my fears and anxieties resurges”. (Participant 5, male, 37years) 
For others, the anxiety has been globalised or generalised when it rains: 
“…When it is about to rain, I remember that day. It often keeps me awake especially 
if the rain is falling at night. Aha! And also, I don’t know, when I go upstairs, I 
remember the incidence papa. It looks like it is happening again. Fortunately, my 
room is downstairs so I avoid the top as much as possible.” (Participant 11, female, 
67years). 
 
Some participants expressed his experience of nightmare as follows:  
“…I have dreams about it as if it is happening again. Almost every week that 
happens to me.” (Participant 12, male, 32years). 
“…I always dream about it. It’s like the thing is happening again. I fear at night 
because of the dreams. Even during the day sometimes, I dream about it. When I 
have the dream and I wake up then I become ‘basaa’ (i.e. disturbed).” (Participant 
8, male, 47years) 
Behavioural changes include information on some negative changes in the behaviour of 
victims following the disaster. This includes changes in sleep, eating and physical activities. 
Below are some extracts from their narratives;  
“…I can’t sleep. I lie down like that then I open my eyes. I don’t feel fine now”. 
(Participant 3, female, 38years) and “…Currently I do not sleep so well, I wake up 
at 2 am and can’t go back to bed. Whereas I sleep better outside” (Participant 4, 
female, 48years). 
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For those experiencing eating related changes:  
“…Eating, it is the worst of it all. Sometimes I can be stressed and forget whatever 
I am doing. I don’t even feel like eating” (Participant 2, female, 44years), and “…As 
for food I can eat a little. When I am eating, I don’t feel its taste, especially when I 
remember that I have nowhere to sleep.” (Participant 3, female, 38years). 
 
Nevertheless, some participants indicated that their sleep and eating patterns had not 
changed that much. Below are some narratives; 
“…As for eating honestly I can eat normal.” (Participant 10, male, 30years), and 
“…As for sleeping, I sleep well… No. Me, I dey eat paa oh (i.e. I eat so much) …” 
(Participant 6, female, 63years); “…I don’t think my eating has been affected that 
much. When I feel hungry and I get the food I can eat. So, I think that it is okay.” 
(Participant 11, female, 67years). 
 
With regards to physical activities, some participants reported loss of energy and zeal or 
motivation. One participant said the following;  
“…I wasn’t enjoying myself and the things I used to do in the past and it also 
impacted on my work. Because now even waking up and preparing for work became 
a challenge.” (Participant 1, female, 36years). 
 
Mood effects describes the emotional feelings such as sadness, depression, loss of interest 
by victims of the disaster and anger. Some said they cried, felt sad and lost interest in 
activities. One of the participants responded that “…I wasn’t enjoying myself and the things 
I used to do in the past” Participant 1). Largely, these experiences underscore depressive 
symptoms among the victims. Below are some other quotes from other participants;  
“…My brother, it is tough for me. If not my wife, hmmm. If it were some women, 
they would have left me. I have been crying aaa. I feel really sad.” (Participant 8, 
male, 47years), and “…I was thinking a lot. I still think but not like last year… I was 
getting angry too. The only thing is that I try not to offend the children.” (Participant 
9, male, 47years). 
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A victim who was physically deformed by the disaster shared how difficult it is for him in 
public places. His ordeal affects the children as well as he indicated that the friends of his 
children will mock them when he turns up in the children’s school. This is what he said;  
“…I can be very sad because my children when they say their parents should come 
to PTA I can’t go again because their friends will laugh at them.” (Participant 8, 
male, 47years) 
 
He also lamented how the general public add to his pain.  
“…It’s not easy my brother. If I go and join a trotro, people don’t want to sit on the 
seat with me. Meanwhile I didn’t bring this upon myself. But the thing is that as for 
the people they don’t know what happened to me. No, I look very scary. When I see 
people’s reaction then I start to cry. I can’t hold the tears. Hmmmm.” (Participant 
8, male, 47years) 
 
Adjustment experiences 
Victims have endured lots of emotional and physical difficulties as a result of the disaster 
over the years. This theme describes the resources that help them to live through the difficult 
times. These include how society intervened in order to assist the participants in their 
difficult moments. It also explains how families have been of support to participants. There 
are however some experiences of vulnerability which might impede how well participants 
might have adjusted to the disaster effects. Therefore, there are four subthemes under this 
theme namely societal level intervention, family level intervention and spiritual support and 
post disaster vulnerability. 
Societal level intervention: This describes interventions from society to support participants 
during and after the disaster. It was also noted that assistance from unrelated people, public 
figures and philanthropists was also helpful to victims. At the time, some political figures, 
footballers, and well to do Ghanaians were reported to have donated items and money for 
the upkeep of victims. Some also supported victims directly. Although participants’ 
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responses indicated that these resources were not sufficient, but rather more driven towards 
attenuating acute crisis, they provided some initial relief:  
“…It was Ken Agyapong who promised to take care of that child .so he asked me to 
look for school for him so he paid everything. 11 million old currency…. Mr Osei 
Kwame Despite also gave me some money. I used some to sew uniform for the 
children among others. I rented a room for 2 years. After the advance expired, I 
couldn’t renew it” (Participant 2, female, 44years) 
 
As indicated above, the support received by the above participant lasted only during the 
early phase of the crisis, but ceased afterwards.    
Some participants were critical of the support they received, casting insinuations of 
corruption and inefficient distribution. For example,  
“…We even heard that Asamoah Gyan came to donate some money to us. But it was 
only one tin of milo and cowbell that we were given to go home.” (Participant 10, 
male, 30years) 
 
Some participants also got support from government especially through the NADMO. For 
example, one participant said; 
“…A lot of support for possessions came. NADMO also came. Government gave us 
GHS 100 for 3 months. They registered us and gave us and ATM card [Actually an 
ezwich card] which we withdrew funds for just 3 months. From there I did not get 
anything again. (Participant 5, male, 37years). 
 
The above also reiterates the insufficiency of the support participants received after the 
disaster. This signifies the temporary reliefs offered participants. However, the long term 
needs of the participants would not be appreciated by society. 
Some participants also received support from friends. For example,  
“…My friends have been good. Even though most of them died, the few I have, have 
been good to me. I also hassle small, small.” (Participant 10, male, 30years) and 
“…Eee as for friends in terms of dresses, clothes they helped but not anymore” 
(Participant 2, female, 44years). 
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Another participant indicated that things are still hard that she had to fall on friends 
sometimes for money and good to sell and pay back later:  
“…Sometimes, when I see my friend, I beg for money say GHC10.00 and they give 
me. I collect cake from a certain woman and sell then I return the proceeds” 
(Participant 3m female, 38years). 
 
Another one also said that the sympathy and emotional support from friends was helpful:  
“…There were a lot of friends who sympathised with me and my children. There 
were calling and encouraging especially the church people” (Participant 9, male, 
42years). 
 
Family level intervention: Participants also reported how helpful family members have 
been in the trying moments of their lives. For many of them, relatives came to their aid. In 
this case, some participants supported by family members to relocate. Others were re-
established in order to make a living. For example, “…My children try to help me. As I told 
you they put up my shop again for me” (Participant 11, female, 67years). 
Some participants said their relations who were abroad and heard about their ordeal came 
to Ghana to support them: 
 “…As I said, physically my brother came down and bought the little, little things 
that would make us comfortable. (Participant 1, female, 36years) 
“…my daughter lives at Italy… so my daughter come down and she came to help 
me to acquire those things back… helped me to build my own house where I now 
live” (Participant 7, male, 60years). 
Another participant also expressed joy about how family members had been supportive;  
“…My family was very supportive. They have helped me raise the kids this far. I 
don’t really need money or materials from them. They have provided us with 
emotional support. They were really there” (Participant 9, male, 42years). 
 
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Spiritual Factors: Some participants also used religious or spiritual coping methods such 
as praying and attending church. For example, some participants recounted that;  
“…I have become stronger in faith and even now I have learnt a lot. Anytime I look 
back to that experience, I know that God had a hand in it.” (Participant 1, female, 
36years) and “…I thank God for life. At first, I didn’t mind. Now I am close to God. 
It has also made me manage the little I have now.” (Participant 10, male, 30years). 
 
The participant 10 was explicit even that it was the disaster that made him start going to 
church as in the following;  
“…at first I was not going to church. It is now that I am going. They don’t know 
anything about my situation. But for me I go to church now because I know what 
God has done for me.” (Participant 10, male, 30years) 
 
For most of the participants, being alive is valuable than the possessions they lost. This gives 
them some strength to ride on. They appreciate that a supreme being (God) is the holder of 
all lives and that one must be grateful if we have life: 
“…I appreciate life now than before. You can just vanish like that, so when we have 
a day, we must be grateful. Now I see people do things and I tell myself that they 
have not seen anything in life” (Participant 9, male, 42years) 
“…It has made me appreciate people a lot. And also, I value life. It is very simple 
to die. But God is the one that keeps us alive. I now try to be closer to God” 
(Participant 12, male, 32years). 
One participant expresses how God has been personal with him. He believes that he is 
precious to God and that might have spared his life. “…I am precious to God. Having my 
life alone is precious to me. That is my strength…I know God is on my side. There is 
always hope once there is life.” (Participant 7, male, 60years). This participant also 
implies that life without possessions is sufficient. This must be a strong resource for 
coping with disaster effects. 
 
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Post disaster vulnerability: This subtheme describes the factors and situations that expose 
victims to negative post disaster effects. They include situations during the disaster and 
those afterwards. Some of these vulnerabilities include poor or delayed response by rescue 
teams and this may create a sense of helplessness in the face of the disaster. One 
participant said that;  
“…Then I started calling the police 191 and they weren’t picking. It was ringing and 
nobody was picking… So, this thing happened after 9pm, it around 3am that the 
military people came. But when they came, me I could see that the water was even 
going down.” (Participant 1, female, 36years)  
 
“…We did not have NADMO number. Later we saw the police and fire service, so 
we asked them to come to our aid, but they said they are protecting the Bank, so they 
cannot come to our side. It was after over an hour before they came to our house.” 
(Participant 4, female, 48years). 
 
It also emerged that lack of support from government for some of the victims risks 
aggravating their plight. One of the participants was explicit in her submission as follows; 
“…What I have to say is a plea. As I speak, I have 4 children and because of this 
disaster they all face problems with their schooling. Each of them stays at a different 
place but what every parent want is to see her children with her. Now whether they 
eat and how they sleep I don’t know. We have heard that World Bank gave money 
and Goil too. The government also promised … the president of Benin has brought 
us money and NADMO officials confirmed it. What are they waiting for? The money 
came because of the disaster. They should just give what belongs to us as a matter 
of urgency to help us start something”. (Participant 2, female, 44years). 
  
Other participants also supported this with the following submissions.  
“…I think government must do something; they must sympathise with us. If they 
promise something and they are not doing it, they should know that we are 
suffering.” (Participant10, male, 30years) 
“…Not knowing they selected about seventeen people, out of all this people and gave 
them 100 million, they brought it to the media and we saw it on the tele. So, we think 
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everybody who is affected can have that opportunity. I went there and that is what 
they told me I wasn’t burnt and after all I did not die, it was only the burnt ones and 
the dead ones that their taking care of. (Participant 6, female, 63years) 
“…As for government, God will judge their actions. That is all I can say about them” 
(Participant 9, male, 42years) 
 
Another factor that poses risk for victims is lack of professional psychological intervention 
for victims. Responding to the question whether they were counselled or seen by a 
psychologist/counsellor, participants responded in the negative. Below are some of the 
narrative; 
“…I didn’t know about that. That time we were all too busy putting the house in 
order. There were too many information those days. So, I didn’t know about that.” 
(Participant 11, female, 67years). 
“…No. I heard there was something like that but at the time they were doing that I 
was busy looking for my wife. I told you that it took me 7days to get her body.” 
(Participant 9, male, 42years). 
“…No. I never had any such support” (Participant 6, female, 63years). 
“…Those people [referring to psychologists] are scares. I have not seen one before. 
But I know they are there” (Participant 12, male, 32years) 
 
Another situation that exposed the participants to vulnerabilities is seeming neglect by 
family relations. 
One participant said the following; 
“…And later when I broke down, no one. Even the chief, the king that town is my 
cousin son, I send him a message looking for help. They told me they will meet the 
family and whatever come of it he will let me know. Maybe is today that we are 
discussion, is today that he will come. So as for my immediate family which is my 
children, they are doing their possible best at least to assist me.” (Participant 6, 
female, 63years) 
 
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“…Eeee as for the family we were all there at the time of the disaster. My father is 
late, his next of Kin was involved as well as the siblings so who will help who? So, 
there is nothing like family support.” (Participant 2, female, 44years) 
 
For one particular participant, she had lost all family members in the disaster (the first-
degree family members). This renders her alone especially because the extended family 
members were not part of his life. This is what she said; “…I have no family members left.” 
(Participant 4, female, 48years). 
Job loss is another risk factor among victims that exposes them to posttraumatic distress. 
This is indicated in the following statements; 
“…I am worried about my job. What will I do? It has been 3 good years. I keep 
living on arms.” (Participant 10, male, 30years) 
 
“…Life now is bad. No money, no job, and this skin. It is very bad now.” (Participant 
8, male, 47years) 
 
Summary of Qualitative Findings 
In all, the qualitative study reveals the experiences of the victims of the 3rd June disaster in 
Accra. It reveals the physical and psychological challenges the victims endured over the 
years as a result of the disaster and the factors that underscore how they adjusted either 
positively or negatively to the impacts over the years. Their perceived causes of the disaster 
include under engineering failures and anti-environmental behaviours. Their experiences 
include biographical disruption such as disfigurement, death and loss of property, and 
psychological impacts such as anxiety, behavioural changes and mood effects. Participants’ 
adjustment experiences involve societal level intervention, family level intervention, 
spiritual support and post disaster vulnerability.   
 
  
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CHAPTER FIVE 
DISCUSSION 
5.0 Introduction 
This chapter presents the discussion of the findings of the study by integrating both the 
qualitative and quantitative findings. The points of convergence and divergence are also 
presented. The chapter also presents the contributions and implications of the findings of 
the study to knowledge, research, clinical practice and policy decision. Finally, some 
recommendations and conclusions are made. 
Link between Risk Factors and PTD 
One of the major objectives of the study was to examine how risk factors relate to PTD. To 
examine this, neuroticism, assumptive world, previous traumatic experience, and 
independent self-construal on PTD were tested. It was found that neuroticism, and previous 
traumatic history significantly predict PTD (general psychological distress and PTSD). 
Independent self-construal and assumptive world however do not predict PTD. These 
factors are discussed in succession. It has been generally established in the literature that 
disasters result in distress (e.g., Chung & Kim, 2010; Dewaraja & Kawamura, 2006; Mason, 
Andrews, & Upton, 2010; Neuner et al., 2007). However, factors that predispose victims to 
distress after disasters are still been investigated. Some of these factors are those found by 
this result. These factors are known as risk factors. 
Neuroticism: The study found that neuroticism significantly predicts PTD. This means that 
a person with neuroticism will more likely experience higher levels of psychological distress 
after disaster. The association between high neuroticism and likelihood of PTD has been 
reported variously (e.g. Breslau & Schultz, 2013; Ogle et al., 2017; Sveen et al. 2016). Since 
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people with this trait are bedevilled with negative emotionality, their coping abilities will 
become poor when adversities arise. This may increase their distress level.  
Personality traits such as neuroticism are enduring. This means that people with neuroticism 
will already have enduring emotional challenges before they encounter the traumatic event. 
This is why such people are more at risk of experiencing higher levels of PTD. This must 
provide a cue for intervention programmes for victims in order to address the personality 
factors that could impact victim’s distress levels. 
Previous traumatic history: Previous traumatic history is another factor that significantly 
predicted PTD in this study. Many people experience at least one traumatic even in their life 
time (Bonanno & Mancini, 2008). According to Mock and Arai (2011), these experiences 
make the individual vulnerable to future negative health impacts. This means that in Ghana 
and other low- and middle-income countries where disasters are projected to increase, many 
more people in the near future will experience more posttraumatic distress. 
Previous disaster experiences weaken resilience capacity and expose people to 
psychological distress (Greenfield, 2010; Pine & Cohen, 2002). This means that continuous 
exposure to trauma tends to break down coping resources. Interventions following trauma 
experiences are limited in Ghana and therefore not many people receive the needed post 
trauma care. Therefore, people exposed to trauma do not develop resource capacity to deal 
with the challenges following the adversity. There is Therefore inadequate or weakened 
resources to deal with subsequent.  In this regard, more traumatic experiences would tend 
to increase distress levels.  
The population for this study resides in a setting that has experienced several flood disasters 
over the years. Floods have become a perineal disaster in Ghana with Accra experiencing it 
every year (Asumadu-Sarkodie et al., 2015). Each year this disaster happens, victims 
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become displaced and disorganised. They barely get restored before another disaster 
happens. This will significantly affect their ability to deal with the current disaster. Other 
traumatic events that people might have experienced in addition to natural disasters include 
physical and sexual abuses, road accidents and robberies as seen in the findings of Anda et 
al. (2006). In this regard, people who suffer such traumas will equally be susceptible to PTD.  
It is therefore imperative that people who report any form of abuse or trauma be taken 
through thorough assessment and treatment in order to alleviate the psychological 
challenges they may experience. This is because, when this is not done and they are faced 
with any tragedy in the future, they may struggle more than the need be due to accumulated 
impacts. Some of the impacts include anxiety, depression and aggressive behaviours 
(Gilbert et al., 2009). 
Further support was obtained from in-depth interviews regarding factors that might risk the 
development of PTD. For example, delayed or inefficient support from government such as 
delay in rescue operations and inadequate relief items, and seeming neglect by society after 
the disaster, lack of professional psychological intervention, and lack of family presence 
and support. All these factors collectively indicate that lack of support is associated with 
vulnerability to distress. 
The qualitative findings revealed that victims expressed the need for support during the 
disaster. This support is in terms of rescue and relief. It was reported that rescue team arrived 
at the disaster scene late. Also, upon arrival, priority was given to monuments over lives. 
This can create a sense of neglect among victims during disasters. Some victims reported 
that by the time rescuers arrived, they had managed their way out and most damages had 
been already caused. This can leave a permanent memory of insecurity when victims sense 
danger later in their lives. One of the ways of calling for help during disasters in Ghana is 
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by reaching out to the security services and the NADMO. Some victims said when the 
numbers of the police were called, there was no response. The emergency contact number 
of the NADMO is barely known by most Ghanaians. There is the need for effort to create 
awareness and revamp response processes within this service in the country. 
Relief items were not enough for victims after the disaster. A participant reported that she 
was told that the items are for only those whom were burnt by the fire. However, there were 
victims who were not personally burnt but had their houses burnt. They deserve relief items 
too. In terms of hospital care, all victims should be given access to medical care regardless 
of the extent of the effects they had. Such medical cares must also be prolonged since some 
may have delayed onset of symptoms. 
Unfortunately, professional psychological support was not available to victims. This would 
have helped victims to better cope with the situation (Kline et al., 2018; Linares et al., 2017). 
All participants interviewed said they did not have any psychological intervention. Even 
though a support centre was set up immediately after the disaster, the centre seemed far from 
the disaster scene. Victims also complained that they had too much information to deal with 
at the time so could not access the centre. This has implications for post disaster first aid 
interventions especially in terms of setting, information, personnel for the intervention and 
general strategy. 
Some participants also indicated that family members were not available to support them. 
A participant mentioned that his family member cannot be countered on. This sends a signal 
of neglect. Regardless of the challenges between family members, adversities present the 
opportunity to settle differences. If there are no differences and this neglect is portrayed, it 
will further affect the victim’s coping process. These factors underscore the importance of 
social support during and after disasters. 
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Independent Self-construal: The quantitative result showed that independent self-construal 
did not predict PTD in this study. This means that people who view themselves to be distinct 
from others in the community, more or less individualistic do not tend to experience any 
higher distress levels after the disaster experience. This is contrary to the position of Jobson 
and Kearney (2006) that people who are self-centred after disasters suffer more 
posttraumatic difficulties. It also contradicts Hafi and Shafi (2014) who opined that cultural 
orientations influence how distress symptoms are expressed. The idea is that people who 
are not communal are less likely be prepared or able to share their challenges in order to 
receive support that is available for their ordeal. 
However, when disaster strikes, most communities become concerned and supportive where 
the lack of that support may result in distress as indicated earlier. In Ghana, support is high 
usually during and a little after the disaster. Goverenment provides support in various ways 
especially through the NADMO. Familes set out to support and friends lend helping hands. 
These supporte are usually made available to everyone regardless of their cultural 
orientation. Nevertheless, to be able to enjoy continuous support from the community may 
depend on how related one is to others in the community. This is because, many forget the 
victims after a short while. But those who express their concerns get the sympathy and 
support they may need. A victims with independent self-construal may not readly seek for 
support when even things become difficult. For example, such people may not be able to 
seek refuge with friends or neighbours when their house is flooded. They may also not be 
able to ask for financial or other material support in order to be relieved of their immediate 
effects of the disaster. This not withstanding, the finding shows that it does not affect their 
PTD levels in any significant way maybe because they have been able to live separately on 
their own.  
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Assumptive world: Assumptive world did not also predict PTD. Assumptive world is how 
people typically expect the world to turn out for them. Typically, disasters defy people’s 
expectations and leave them with long-term impacts. However, in this study, assumtive 
world did not predict PTD. Thus, it is important note that even if the assumptions people 
have about the world tends to be challenged and shattered by disasters, this does not 
determine whether they will relive the traumatic experience or suffer other psychological 
impacts. Perhaps the relationship between assumptive world and PTD may be enhanced by 
other factors. 
The theory of shattered assumptions indicates that because people with high positive 
assumptions about the world tend to perceive the world to be benevolent, meaningful and 
predictable, they get shattered when disaster strikes them (Janoff-Bulman, 1992). Perhaps, 
they tend to struggle to come to terms with the realities of the event. Maybe, after they 
accept the reality then they tend to accept what actually happened to them.  
Perhaps, the attribution of the cause of the disaster may also influence victims’ assumptive 
world and subsequent distress level. From the qualitative findings in this study, it was found 
that victims attributed the causes of the disaster to engineering failures and anti-
environmental behaviours exhibited by citizens. It was lamented that construction works at 
the time precipitated the disaster. In 2015, the Kwame Nkrumah Interchange was upgraded 
into a three-layer overheard. This construction took several months to complete. During the 
raining season, the water ways in the area got choked and caused flooding. Ideally, path 
should have be created for running water ahead of the rains to avoid such tragedies. The 
situation became worse because generally, drainage in Accra has been poor. This agrees 
with Asumadu-Sarkodie et al. (2015) who reported that Accra has a poor drainage system. 
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One participant said the construction works on the N1 high way had blocked a big gutter in 
their area.  
Some drains in Accra are too small. In some area there are none. Some are also damaged, 
creating danger for human existence. In some cases, when it is raining in Accra, commuters 
are not able to identify the end of drains. They either walk or drive into the drains when 
there is an overflow. Roads get flooded during rains in Accra. In fact, the Kwame Nkrumah 
interchange that was constructed around the time of the disaster began to be flooded a year 
after commissioning. There is the need for a review of construction activities in the country.  
It was reported that fuel reserved in an underground thank leaked onto the surface of the 
water. This also raises some engineering concerns. It also reveals poor maintenance culture. 
Fuel stations need regular check and maintenance to avoid leakages and explosions. 
Anecdotal data reveals that this is a requirement for the renewal of operation license in 
Ghana. However, concerns have been raised about how functional this regulation has been 
especially following series of similar disasters in the country. 
 Human behaviour towards the environment is a crucial factor in disaster occurrence. 
Negative behaviours endanger human lives by exposing them to dangerous structures in the 
environment. There is indiscriminate disposal of refuse especially into drains in Accra. 
When it rains, the refuse block drainages leading to poor flow of running water. At the 
Kwame Nkrumah Circle where the disaster occurred, most people complained about how 
the main drainage that connect water to the sea is chocked by refuse. During the interviews, 
a participant indicated that when you see people dispose refuse into the gutter and you 
caution them, they insult and ask if the gutter belongs to you. This problem therefore 
compounds the already narrower, unmaintained drains that are in the country. 
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Some Ghanaian households do not have toilet facilities. For that reason, the drains became 
the grounds for dumping their faecal matter. People typically would tie these wastes in black 
rubbers and drop them in the drains. These behaviours can clearly be described as anti-
environmental since they tend to deteriorate and endanger lives. 
With these evidences in mind, residents may already anticipate disaster especially in the 
raining season. This means that their assumptions that the world is meaningful might have 
been already challenged. Therefore, they are less likely to feel the shock of having their 
assumptive world altered after the disaster, and consequently less impact on their distress 
level. 
Link between Protective factors and PTG 
The second major objective in this study was to examine the effect of protective factors in 
PTG. The results indicated that social support, belief in just world, resilience, and religiosity 
significantly predict PTG. It was however found that self-efficacy does not predict PTG. 
Protective factors are factors that sooth an individual against negative impacts and promote 
wellness. As indicated, four out of the five were found to promote PTG among disaster 
victims. 
Social support: Social support is one of the protective factors that significantly predicted 
PTG. However, the result shows that social support is associated with a reduction in PTG. 
This means that victims who received more social support are likely to experience less 
growth. This is contrary to the popular understanding on the role of social support in PTG, 
contradicting the findings of several studies such as Feeney and Collins (2015), Yi et al. 
(2015), and Platt et al. (2014). Social support involves assistance from friends, family and 
significant others in society. According to Berkman and Glass (2000), these supports from 
people around us motivates the individual to adopt positive self-care behaviour and to 
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develop a sense of security and self-worth. It is also said to restore health and wellbeing 
(Sarason et al., 2001). 
Social support systems in Ghana after disasters include government aids, assistance from 
friends and families, and support from philanthropist and other well-meaning Ghanaians. 
Usually, government assists victims through the NADMO by providing relief items and 
supporting with medical care. Ghanaians also support through cash and material donations 
to victims. In many communities, the community leaders offer school classrooms and 
palaces for displaced victims. Churches and mosques are also released for the same purpose. 
Non-Governmental Organisations (NGOs) also provide assistance in disaster periods in 
Ghana. Families receive their relations to stay with them, they provide necessary needs and 
support victims emotionally. These systems are expected to help victims to recover quickly 
and grow from the impact of the adversity as also indicated by Han et al. (2019) and 
Oniszczenko, and Firla (2017). 
However, rather than experiencing growth, victims with higher social support experience 
less growth.  People who receive support from others in times of need may tend to feel that 
they are a burden on their supporters and as such feel embarrassed. In view of this, Sheikh 
(2004) conclude that the role of social support in PTG is unclear. 
In the case of the flood victim who has lost his belongings and home, it should be a big deal 
to now live with others and practically be cared for. The current population under study have 
victims whose homes were destroyed by fire. This means that it would take months for them 
to get another descent house for relocation. Perhaps, a person who previously used to be the 
source of support for people is not being supported, thus creating a sense of defeat and, pain 
and guilt. 
 
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The findings of the qualitative results in this study on the other hand agree with the common 
understanding of the role of social support in difficult times where participants reported 
social and family level interventions as some of the resource for coping in their hard times. 
Social support features prominently in the interventions identified in this study. Both the 
societal and family level interventions portray social support as a key resource for the 
disaster victims. This corresponds with the literature where social support have been found 
as a significant coping resource or protective factor against PTD (e.g., Feeney & Collins, 
2015; Han et al., 2019; Sarason et al., 2000). It is also in consonance with the finding in this 
study that social support predicted a reduction in PTD. 
Societal level intervention received by victims included support from politicians, 
philanthropists and sympathisers. It also included government assistance either in cash or in 
kind. Usually in Ghana, government offers relief items to victims during disasters. These 
include mattress, bucket, food items, water, and cloths. Other well-meaning Ghanaians also 
provide items that may be of need to victims. Participants reported that they received such 
items from government and sympathisers including money. However, they were also quick 
to add that these items especially the money was not sufficient. One participant mentioned 
that after renting an accommodation with the money she received for two years, she was not 
able to renew the rent because the money was finished and her job was crippled by the 
disaster.  
It was also indicated that government paid the medical bills of victims who were 
hospitalised. At least that would relieve the victims and families of the financial burden that 
comes with treatment for injuries during disasters. Again, some Ghanaians also donated 
various items to victims while they were at the hospital. People visited them, sympathised 
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and prayed with them. This inspires some sense of belonging, collectivism, care and self-
worth among victims (Berkman & Glass, 2000). 
However, there is a seeming corruption and political game in times like this. Victims 
indicated that government promised them compensations but they never had it. Some also 
said donations that were meant for them did not reach them. While some well-meaning 
citizens will be willing to help, others are found to be making personal gains at the expense 
of victims. There is the need for a protocol in the donation and distribution process during 
disasters in order to avoid instances of corruption and personal and political interests. 
The availability of support from friends is a significant factor after the experience of 
adversity. In fact, this is when to know real friends. Sometimes, families may not have the 
support a victim may need. Friends may provide that support either financially or 
emotionally. As Oren and Possick (2009) indicated that people may receive support from 
friends when they are in need. This support may be received whether the victims have asked 
for it or not. This emphasises the need for communal existence which characterises 
collectivistic societies.  
Family social support during adversities is an invaluable one, augmenting the positive 
effects of disasters (Platt et al., 2014). In a typical collectivistic culture like Ghana, family 
may typically feel affected when a family member is stricken by an adversity. Support from 
family members may come in various forms. In distress, people may receive emotional 
support from family members just as they may receive from friends. Some may receive 
physical support such as money and clothing. In this study, some participants had their 
sources of income re-established by family members while others had houses build by their 
family members for them. Seeing relatives showing care when in trouble would be 
encouraging and soothing. 
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This finding has implication for communal living. People with good connection with family 
and friends may tend to be more supported in addition to what they enjoy from government. 
Communities must also endeavour to stay cohesive and supportive especially in adverse 
times since this will provide relief and growth for victims. 
 
Religiosity: This study also found that religiosity significantly predicts PTG. Religiosity 
offers similar support towards growth after disasters as social support (Chan & Rhodes, 
2013). It has been argued that religiosity actually provides meaning for suffering and that 
lessens the adverse effect of disasters (Oren & Possick, 2009).  
Taku and Cann (2014) explained religiosity as one’s religious affiliation and strength of 
religious beliefs. This provides people with relationship with God and people in their 
religious circle. The people within one’s religious group can be a source of physical, 
emotional and spiritual support in times of adversity to victims. They could help with 
prayers, money, cloths, food and housing. These activities will serve the same purpose as 
social support does as indicated above. Religious leaders may counsel their members who 
are traumatised and assist them to receive the necessary interventions. The individual may 
also look to God in the trying moments and will perceive that God is on their side. They will 
ask for God’s protection and strength to pull through the challenges. 
In Ghana, Christian and Islamic groups organise prayers for victims of disasters. They visit 
them while they are on admission and offer prayers and donations. It is yet these groups that 
provide residence when victims or members are displaced. Their activities depict love and 
emotional support that victims need in the face of adversity. 
Similarly, from the qualitative results, it was found that victims also utilised spiritual and/or 
religious support during these hard times. Some indicated that they now see that God is on 
their side. This belief in a higher Being creates a sense of identity and renewal of faith. This 
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in turn may create a sense of protection and hope for victims. This is because, a victim may 
feel that if God does not allow them to perish in the disaster then he will protect them in 
other trying times in life. Participants indicated that they are now closer to God their maker 
and try often to be in his presence (that is in Church). This means they may also become 
religious and this in turn will be supportive for them (Chan & Rhodes, 2013). One 
participant said he now goes to Church and he alone knows why he does so. According to 
Ha (2015), this can help victims to understand the disaster better. Watlington and Murphy 
(2006) also maintained that being religious facilitates reduction in deppressive symptoms 
and PTSD. 
Belief in Just World: Belief in just world another protective factor for PTG in this study. 
Belief in just world implies that whatever happens is deserving and that there is a reason 
and an opportunity from it. In the face of injustice, this belief enables the individual to 
restore a sense of justice in order to by assuming that it needed to happen (Dalbert, 2001; 
Furnham, 2003). This interpretation of traumatic events tends to lower the negative impact 
of the event. This will also afford the individual strength to match forward towards growth 
after the adversity. 
Indeed, things happen for a reason. It is up to individuals to assign either a positive or 
negative reason to the events. When people see opportunity in negativity, they are more 
likely to fight harder and stay stronger (Bulman & Wortman, 1977; Dalbert, 1996, 1997). 
For example, someone who survives a fire disaster may be thankful to God and see how 
much God loves him/her. This will give them a renewed sense of life and purpose to get 
closer to God and be more responsible.  
Resilience: Resilience was also found to predict PTG in this study. This is supported by 
other studies such as Mahdi, Prihadi and Hashim (2014), Yu et al. (2014) and Austin et al. 
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(2017) all of which found that resilience produces PTG. People who are resilient would 
stand strong when challenges arise. This helps them to navigate the processes required to 
defeat the negative impact of the challenge (Tomaszek et al., 2018). 
Resilience helps people to cope better, live beyond expectation and function stronger when 
challenged. Such people will also expect the best out of adversities. They would look for 
opportunities and utilise them for the betterment of their lives. This is the whole process of 
adaptation in adverse times (APA, 2014). 
Self-efficacy: It was however found that self-efficacy did not predict PTG contrary to the 
trend in the literature. Zulkosky (2009) indicated that high self-efficacy helps people to deal 
with difficulties and studies such as Lotfi-kashani et al. (2014) and Li et al. (2012) found 
that self-efficacy promotes PTG. In the current population of study however, the finding 
does not support the previous studies. This means that even if people with high self-efficacy 
are able to manage their difficulties, it does not translate into growth after an adversity.  
Maybe victims were not able to utilise how efficacious they are towards growth. Perhaps 
other factors were relied upon more such as religiosity and social support. It is possible that 
when other factors are available and much stronger, people may tend to utilise them more 
over others. This defeats the assertion that self-efficacy is a central factor in how people feel 
and adapt to their environment as shown by Benight and Bandura (2004). Where support is 
available in the community, self-reliance and control does not seem to be most significant. 
In the qualitative findings however, victims indicated the use of personal strength to forge 
ahead. They engaged in self-encouragement and engagement in actions that will eventually 
offer them relief. This resonates with the use of prayers and decisions to work harder to 
replace their lost possessions. 
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The Moderating Role of Protective Factors on the Link between Risk Factors and PTD 
The study also revealed that some protective factors significantly moderate the relationship 
between some risk factors and PTD. It was found that religiosity significantly moderated 
the relationship between assumptive world and psychological distress, resilience moderates 
the relationship between independent-self-construal and psychological distress, social 
support significantly moderates the relationship between neuroticism and psychological 
distress, and self-efficacy and resilience significantly moderates the relationship between 
neuroticism and psychological distress. 
Largely, all five protective factors in this study moderated the relationship between risk 
factors and PTD. This means the relationship between the protective factors and PTD is 
indirect modifying the strength of the relationship between risk factors and PTD. For 
example, someone with multiple previous traumatic history may still be better in dealing 
with posttraumatic challenges if he is religious and receives the needed attention from his 
congregation. Also, if support is available for victims from people around them, the negative 
impact of disasters will be minimised regardless of the individual’s personality trait. 
In times of adversity, people must utilise factors that are protective against distresses. 
Religious bodies and leaders must use their activities to alleviate pain after disasters, 
government must adopt the needed relief programme for support victims, and families and 
friend must as well be there for victims. Even before disaster, individuals must also develop 
their capabilities and resilience levels. People must adopt positive meanings to events and 
be prepared for any eventualities. By so doing, the presence of risks and traumatic events 
will only produce minimal effect on lives. 
  
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Relationship between Protective Factors and PTD 
The fourth major finding of this study is that social support, self-efficacy, belief in just 
world, resilience and religiosity are negatively and significantly correlated with PTD 
(psychological distress and PTSD). This indicates that people’s experience higher forms of 
protective factors is associated with a reduction in the distress levels they experience just as 
being argued earlier. Even though this does not imply causation, it indicates that protective 
factors serve a soothing role after disaster experiences. It was however found that social 
support significantly predicted PTD among the other protective factors. It can be argued that 
the chances that distress levels will reduce when protective factors are available is high 
among victims (Masten & Reed, 2002).  
It is clear so far that disaster victims have the opportunity to grow and experience less 
negative impact. It is however relevant to reiterate that growth will not completely replace 
or prevent distress after adversity (Maitlis, 2012). However, when a sense of growth or 
positivity is acquired even in the wake of frustrations, it will help to deal with the negative 
outcomes more adaptively. 
Relationship between PTD and PTG 
The final objective of the study was to examine the relationship between distress and growth 
after disaster experiences. It was found that a significant positive correlation exists between 
PTG and PTSD contrary to a negative prediction that was made. Actually, the literature has 
presented disagreement on how related PTD and PTG are (Zoellner & Maercker, 2006). 
Some findings suggested positive relationship (e.g.  Cadell et al., 2003; Solomon & Dekel, 
2007). Other studies found negative relationship (e.g. Palmeret al., 2016). The current 
finding corroborates other findings that established positive relationship between PTG and 
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PTD. This means that higher distress levels correspond with higher growth after disaster 
experiences.  
Victims that are more distressed tend to utilise more resources to be able to survive the 
challenges. They may acknowledge their challenge and seek assitance, or turn to God since 
these factor result in PTG. It is often said that until you are in trouble, you would not 
appreciate you strength. Therefore, people who are devastated by traumatic event may 
appreciate life and see their survival as an opportunity and so will strive for and acomplish 
growth. This is the impport of the OV theory that since there is life, there is hope (Joseph & 
Linley, 2005).  
If the disaster does not kill the individual, it will make them stronger. Victims will surely 
wish to bounce back stronger and better than before the disaster. This does not prevent the 
memories and pains and fears. However, they could be a conduit for motivation and 
growth since it is an innate disposition for everyone to develop so long as there is life 
(Sheldon et al., 2003; Maslow, 1955). 
The Experiences of Disaster Victims 
The experiences of disaster victims are important in whatever is done to support them. By 
considering their experiences, interventions can be tailored to benefit victims. The findings 
from the qualitative results in this research show significant experiences of victims of the 
3rd June, 2015 flood/fire disaster in Accra, Ghana. These experiences will have implication 
for clinical, social and political interventions. The findings are discussed in this section.  
The experiences of victims of include physical and psychological effects. The physical 
effects are described biographical disruption. Biographical disruption describes the presence 
of a long term or chronic illness that alters and impedes one’s behaviour. Participants 
suffered physical effects ranging from personal injuries through the loss of properties to the 
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death of their loved ones. These have left them with significant disruptions impede their 
general live and daily functioning. This finding concurs with Du, Fitzgerald, Clark, and Hou 
(2010) and Noe et al. (2016). Jonkman and Kelman (2005) also indicated that there are 
usually deaths during floods especially through drowning. In the 3rd June disaster in Accra, 
many people were drowned, many others were burnt though the fuel station explosion. Thus, 
apart from the over 150 lives that were lost through the explosion, there were several other 
bodies discovered that were dead through drowning.  
Unfortunately, it is predicted that more lives will continue to suffer due to flood disasters in 
Africa (EM-DAT, 2015). This is true because in Ghana, subsequent years following the 3rd 
June disaster lives were lost again through floods in the capital city. This probability is due 
to the anti-environmental behaviours citizens exhibit that precipitates disaster occurrences. 
Of course, the drains and engineering mistakes have not change. 
During disasters, some populations are more vulnerable ((Paul et al., 2018). These include 
children, women and the aged. With the perineal flooding in Ghana, these in the era of 
increasing aged population, more of such lives will be affected. This is because the more 
disaster that occur, the more lives are affected (Coker et al., 2006; Neuner et al., 2007). This 
poses strong national challenge that requires immediate attention.  
The disaster has caused permanent physical disability for some victims. Some are unable to 
walk, work and socialize. It is reported in the literature that these effects are as a result of 
pricks from sticks, bottles and snake bites when victims are struggling to swim off floods 
(Lindell & Prater, 2004). In the current disaster under study, participants reported similar 
events. One participant indicated that she probably might have hit her hip against a container 
that was submerged in the water. Other had their injuries through the fire/explosion. 
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Lindell and Prater (2004) reported that natural disasters cause massive property damages or 
losses. As a result, victims usually become homeless (Paidakaki, 2012). As the result of this 
study showed, some participants reported that they have been sleeping outside in front of 
shops for some time now because their houses had been destroyed by the disaster and they 
currently are not able to rent a place to stay. Apart from homes, jobs were lost. Victims had 
their workshops destroyed completely. People had their goods destroyed and their moneys 
burnt up in the explosion. A participant reported that she used to import goods and sell but 
now she sells sachet water. The crucial aspect of these effects is that they have significant 
implication for psychological health among victims (Frankenberg et al., 2008).  
These effects also affect economic activities of the state (Klomp, 2016). Government was 
compelled to foot the medical bills of victims who were hospitalised due to the disaster. Till 
date, victims still expect and demand from government compensations for their losses. 
Immediately after disaster, government also need to reconstruct affected roads, bridges, and 
monuments. In Ghana, the NADMO tends to be overstretched during disasters since victims 
tend to require relief items beyond expectation. Since many people tend to be affected by 
disasters, their jobs and earnings get affected and that translate into poor savings and, poor 
GDP and related economic indicators (Brei et al., 2018; Klomp, 2016; Ladds, Keating, 
Handmer, & Magee, 2017). 
Indeed, victims expressed psychological impacts of the disaster on their lives. The 
psychological impacts associated with disasters is extensively demonstrated in the literature. 
For the current study, mood disturbances, anxiety related effects and behavioural problems 
were reported. These reports are in tune with Haqqi (2006), Griensven et al., (2006) and 
Chung and Kim (2010). 
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PTD is a major psychological concern among disaster survivors (Hussain et al., 2011). This 
includes anxiety, depression, hypersensitivity, and insomnia (American Psychiatric 
Association, 2013b). Victims in this study reported most of these distresses. They feel 
depressed and cry a lot, they are anxious, unable to sleep, have high interpersonal sensitivity 
and poor appetite. 
These distresses have implication for suicidality among victims (Guo et al., 2017; Kolves et 
al., 2013). Orui and Harada (2014) pointed out that suicidal implications of disasters is high 
among females in the whole. Another group that may be of concern in this instance is those 
with higher losses during the disaster. Fang and Chung (2019) reported higher psychological 
impacts among these group compared to those with fewer losses. For example, a victims 
who loses the whole family, house, cars and shop in the disaster will be more 
psychologically distressed compared to one who loses only shop. This must be of concern 
for policy makers and therapists. In this regard, resources available must be harnessed to 
assist such victims in order to deal with their ordeals. 
  
5.1 Summary of the Study 
The current study examined the impact of disaster and how this is influenced by risk and 
protective factors. The population used for the study is the 3rd June 2015 flood/fire disaster 
victims at the Kwame Nkrumah Circle in Accra Ghana. In all, 336 participants participated 
in the study. The study used the concurrent mixed method design where the quantitative 
study used a cross-sectional design and tested five hypotheses through regression analysis 
and the qualitative used phenomenology and answered three research questions through 
thematic analysis.  
Quantitatively, it was found that risk factors namely neuroticism, independent-self construal 
and previous traumatic history significantly predict psychological distress and assumptive 
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world, independent self-construal and previous traumatic experience significantly predict 
PTSD. It was also found that protective factors namely social support, belief in just world, 
resilience, and religiosity significantly predict PTG. The quantitative study found that 
religiosity significantly moderates the relationship between assumptive world and 
psychological distress, social support significantly moderates the relationship between 
previous traumatic history and psychological distress, resilience moderates the relationship 
between independent-self-construal and psychological distress, self-efficacy and religiosity 
significantly moderates the relationship between neuroticism and psychological distress, 
social support and religiosity significantly moderate the relationship between assumptive 
world and PTSD, social support, belief in just world, resilience and religiosity significantly 
moderate the relationship between previous traumatic history and PTSD, and social support, 
self-efficacy and resilience significantly moderate the relationship between neuroticism and 
PTSD. Finally, the study one also found that social support, self-efficacy, belief in just 
world, resilience and religiosity are negatively and significantly correlated with PTD 
(psychological distress and PTSD), and there is rather a significant positive correlation 
between PTG and PTD. 
Largely, these findings are in consonance with the literature especially on how risk factors 
predict PTD and protective factors predict PTG (Ogle et al., 2017; Gilbert et al., 2009). It 
was also observed that high levels of distress correspond with high level of growth among 
victims of adversities. 
The qualitative findings also found that victims perceive the causes of the disaster to include 
engineering failures and anti-environmental behaviours. Their experiences include 
biographical disruption such as disfigurement, death and loss of property, and psychological 
impacts such as anxiety, behavioural changes and mood effects. Participants’ adjustment 
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experiences, that is resources that enabled them to deal with the effects of the disaster or 
otherwise, involve societal level intervention, family level intervention, spiritual support 
and post disaster vulnerability.  To a large extent, the findings in study two were found to 
be consistent with the literature (e.g. Lindell & Prater, 2004; Frankenberg et al., 2008).  
 
5.1.1 Point of Convergence: Quantitative and Qualitative Findings 
The quantitative (study one) and qualitative (study two) studies lend support to each other 
in terms of their findings. There are at least two cardinal points at which the two studies 
converge. First, study one found that there are some risk factors that have the tendency to 
aggravate PTD among disaster victims. For example, people who have experienced other 
adversities prior to the current disaster are more likely to be distressed than those who did 
not. In the study two, it was evident that people who do not have the needed support after 
the disaster were more distressed. They called more on the government for support and feel 
abandoned. Study two also added that severity of physical impact can also serve as risk 
factor for PTD. These physical impacts includes injuries, both the loss of materials such as 
house, car, belongings, and loss of the lives of relations and friends 
Secondly, it was observed that those who possess protective factors experienced PTG after 
the disaster. Social support as well as religiosity predicted PTG. Victims revealed same in 
the study two where most of them narrated how they were supported by friends and families 
and significant others. They also recounted their renewal of faith and trust in God and how 
they have become committed to church attendance now than before, believing that it was 
God who spared their lives. 
Also, the two studies lend support to the positive association between PTG and PTD. The 
quantitative study produced a significant relationship between the two as well as victims 
indicating distress levels and growth in the qualitative study. Victims who said they are 
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suffering also mentioned that they have learned to appreciate life and drawn closer to their 
maker. They now value friends and have also realised that they must make the best in their 
lives so long as there are alive. 
5.1.2 Point of Divergence: Study one and Study Two 
In as much as the two studies converge on some points, there are two points of divergence 
that are worth noting. One of these points of divergence is that self-efficacy did not predict 
PTG in the study one. In the study two however, participants utilised their personal strengths 
where they indicated that disasters must happen but once they are alive, they must forge on. 
This is an indication that victims believe in their ability to strive despite challenges. 
Another divergence is that whilst social support provides avenue for growth in study one, 
participants saw it as they being burden to families and friends in study two. This means 
that even though participants benefited from the support they received from others, they felt 
they were not supposed to be relying on others for their needs. 
5.2 Contributions of the study 
Generally, disaster research has thrived in the developed world leaving behind the 
developing countries. Few studies on disaster are available in Africa particularly Ghana. 
Meanwhile, the occurrence of disasters is on the rise. Again, it was noticed that a greater 
percentage of disaster researches have focused on the pathology that comes with disasters. 
The positive outcomes and factors that promote them have gained little attention. This study 
therefore attempted to combine the positive and negative outcomes of disasters and factors 
that underpin them within the Ghanaian context. The findings therefore contribute to 
knowledge and research in several ways some of which are presented below. 
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5.2.1 Contribution to Knowledge 
How disaster victims cope in Ghana and their ordeal have not been clearly known. The 
researcher’s personal conversation with authorities at the NADMO reveals that victims are 
not followed up on to ascertain their distress levels and how they are surviving. In fact, 
government relief ends a few days after the disaster occurs. This means that victims are 
often left to their own fate regardless of whether they have the ability to thrive or not. This 
study reveals significant information about what victims go through years after disaster 
encounters. Importantly, it was revealed that support for victims is crucial. This means that 
government must have a comprehensive programme to see victims to the full length of their 
struggle in order to better equip them for life afterwards. 
This study is the first of a kind in Ghana to be conducted years after a disaster. It is also the 
first to combine both protective and risk factors in a single study in Ghana. This will help 
with the understanding of what factors are helpful or otherwise after disasters occur. It also 
utilised a mixed method that sheds more light on the subject matter. 
Again, the study will help individuals understand what they experience after they encounter 
disaster and adopt best approaches to deal with the impacts thereafter. For example, people 
may learn from this study that isolation from society and being individualistic does not help 
in times of adversity. It provides first-hand information to victims regarding their 
expectations in distress so as to be ready for any eventualities. 
5.2.2 Contributions to Research 
This study has offered support to the literature on how disaster victims cope in various 
jurisdictions. Ghana and Africa have produced little information to disaster research over 
the years. This study makes a significant addition to the research findings in the literature. 
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The study is among the few that have combined both risk and protective factors in a single 
study. This makes it possible to compare the findings for an informed understanding.  
Adopting the mixed methods is also significant in disaster research as most studies in the 
past tend to relied on only one method. The findings from this current method are 
complementary and shed more light on the information provided. 
The study also added to the findings that PTD and PTG are positively related. The relation 
between the two conditions have been illusive over the years and requires further studies to 
provide more information. This study supports the position that even when people are 
distressed after experiencing adversities, they are able to grow and make meaning of their 
experiences and life in general. 
5.2.3 Theoretical Contributions and Implications 
The salutogenic outcome of disasters is described by the OV theory as an innate tendency 
of human beings to grow regardless of challenges. The theory was clear on the fact that 
when conducive ground is provided people benefit from adversities. This was supported in 
by the findings of the study. People felt they have developed stronger faith and now 
appreciate life more than before. These impressions of growth are promoted by protective 
factors as found in the study. 
The pathogenic effect of disasters has also been supported. This is significant for the theory 
of shattered assumptions and the emotional processing theory. For example, when victims 
perceived that they have become burden for others, they may further dread the adversity and 
effects and become more distressed. This may occur several years after the event in the form 
of PTSD, indicating poor assimilation of the event into their existing assumptions. 
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The findings of this study could be used to advance the stance of the OV theory in order to 
assist victims grow since protection factors may be available but effort must be made to 
harness them. Example, victims must make conscious effort to seek assistance, society must 
be proactive in supporting victims and government must deliver right and prompt assistance 
for victims. 
5.3 Practical Implications 
5.3.1 Implications for Clinical Practice 
These findings reveal some implications for clinical practice especially in Ghana. Firstly, it 
was observed that an intervention centre was set up immediately after the disaster. 
Participants were supposed to go to the centre for psychological support. In the first place, 
victims revealed that at the time the intervention was going on, they were too busy putting 
their lives back in order. For example, they needed to figure out where to sleep, how to 
benefit from relief aid and for those who lost their relation, they needed to find the bodies. 
This means that the timing for interventions must be appropriate in order not to cut off 
victims who need the support most. In addition, the location of the intervention centre must 
be carefully considered. If it is too far, a victim who lost everything may not be able to travel 
to the centre. Intervention centres must be within the closest vicinity in order to attract 
victims 
Duration of interventions programmes is another significant factor in clinical practice 
towards disaster victims. Some victims develop psychological challenges years after the 
traumatic event. However, barely a week after the disaster, no intervention activities went 
on in Ghana. One participant for example mentioned the inadequate number of 
psychologists in Ghana. It is necessary to conduct follow ups on victims, track their 
wellbeing over years and place them on the needed support until they are capable of being 
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on their own. Mental health first aid and long-term intervention programmes are required 
for disaster victims. 
Also, hospitals that treat victims must endeavour to make psychological or mental health 
support a must for them. Appropriate referrals should be made and follow ups must be 
properly conducted. These will safeguard victims and protect them against distresses. 
 
5.3.2 Policy Implications 
Policy on disaster management in Ghana is too physical and short-lived. There is little 
budget for disaster interventions. Mental health component is missing in the management 
of disaster related effects. Government needs to redesign disaster policy in the country. For 
instance, there must be a psychiatric and psychological component for disaster related 
interventions.  
The collection and disbursement of support items from society must be coordinated. 
Individuals who wish to support victims must be made aware of points of collect. 
Disbursement must be transparent and free of corruption. People usually accuse rescue or 
relief workers of diverting relief items and supporting non-affected people. A 
comprehensive and implementable programme must be adopted to deal with the situation. 
Finally, information dissemination during disasters must be properly controlled. Victims 
indicated that there was too much information for them to manage. There must be training 
for reporters and community leaders on how they relay information to a population that is 
bedevilled with a disaster. This will reduce panic and will create order in how victims are 
assisted. 
 
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5.3.3 Implications for Disaster Management in Ghana 
Disaster management in Ghana requires more than the provision of relief to victims. There 
is the need for sensitisation on the impact of disasters and what victims should expect from 
government. The general public must also be informed about the various support systems 
available when adversities strike. 
Clearly, the current disaster management model being used in Ghana does not resolve the 
needs of victims. A comprehensive model must be adopted which will make some critical 
service providers an integral part of the decision making and implementation process.  
For mental health practitioners, intervention models need to be developed for emergencies. 
Practitioners need to be educated on what to expect and to do in such critical times. Ad hoc 
programmes for victims may not be enough and may rather distress victims the more. 
5.4 Limitations of the Study 
There are some limitations associated with the current study. One of these limitations is that 
the best design would have been a longitudinal design. This is because, it would have been 
beneficial to follow the victims over a long enough period of time to understand the 
dynamics of their challenges and how the various factors played out. Since victim may 
develop symptoms of distress several years after and some shortly after disaster encounters, 
a longitudinal approach would have helped with more information to this effect by providing 
baseline data for further comparison. 
Also, the study excluded children that is victims below the age of 18. This means that there 
is still a population of victims whose information is missing in the knowledge about 
experiences after disaster in Ghana. Children form a significant unit of the disaster 
population. They are also deemed vulnerable. Therefore, they need to be studied in this 
regard. 
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Finally, most victims who participated in this study felt they needed to participant in order 
that their voices would be heard by government so as to propel authorities to come to their 
aid. To some extent, this would have resulted in the exaggeration of some of the responses 
provided. Even though it was clearly explained to participants before the start of the study, 
there is the tendency that participant would magnify their responses for potential benefit 
from authorities.  
5.5 Recommendations for Future Research 
First, it is recommended that future researches include children in order to understand how 
they process and deal with the challenges of disaster experience. In addition to this, future 
researches should also identify more groups that are most vulnerable in order to inform 
policy decisions regarding disaster management. 
Secondly, it is recommended that future studies employ a longitudinal design in order to 
ascertain the changes that occur across time among disaster victims. In addition, future 
studies could also adopt a cohort design in order to compare victims with non-victims 
establish differences in distress levels and factors that influence distress and growth among 
the two groups. 
Finally, it must be recommended that shorter instruments should be used on such 
populations as longer ones tend to stress them and this may affect their responses. Apart 
from the length of the instruments, their context-specific validity must be considered as 
some items tend to be alien to participants and require replacement. 
 
5.6 Conclusions  
In conclusion, this study investigated the role of risk and protective factors in post disaster 
adaptation using the mixed method approach. A population of flood/fire disaster victims 
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was used with 336 sample selected, 13 of which participated in both the quantitative and 
qualitative studies.  
The findings of this study show that victims of disasters experience significant impacts, both 
physical and psychological, over a long period of time. There are risk factors that may 
aggravate their situation for victims. Meanwhile, there are also protective factors that can 
be utilised to cope with the effects. Since it was revealed that people who experience distress 
after disasters also sometimes experience growth, protective factors that promote growth 
must be prioritised for such victims. Unfortunately, there are significant policy and practice 
gaps in the management of disaster victims in Ghana. This requires national and clinical 
attention to support victims appropriately.  
With the right interventions, victims of disasters may experience reduced levels or shorter 
durations of distress. This is because, the intervention would use protective factors and 
resources and these have proven to a large extent to moderate how risk factors impact on 
distress levels. If these interventions are well planned and executed, they help eliminate the 
short-lived attention/interest given to disaster victims in the country. 
 
 
 
 
  
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APPENDICES 
Appendix A: Ethical Clearance 
 
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Appendix B: Consent Form 
              UNIVERSITY OF GHANA 
Official Use only 
Protocol number 
 
  
Ethics Committee for Humanities (ECH) 
 
PROTOCOL CONSENT FORM  
 
Section A- BACKGROUND 
INFORMATION 
 
Title of Study:  DISASTER AND POSTTRAUMATIC ADAPTATION: RISK AND 
 PROTECTIVE FACTORS 
Student Investigator: Emmanuel Dziwornu 
 
Certified Protocol  
Number 
 
Section B– CONSENT TO PARTICIPATE IN 
RESEARCH 
 
General Information about Research 
This study aims to explore the kinds of protective factors that mitigate against post disaster 
psychological challenges among natural disaster victims in Ghana. The study will also 
establish the forms and levels of post disaster distresses and the associated risk factors 
among disaster victims. You will be required to spend 45minutes of your time to respond to 
some questionnaires in English. Participants are required to answer all items on the 
questionnaires. There is the allowance for participants to return the completed 
questionnaires in within two days. Clarity will be provided if the need be. If selected for the 
interview component of the study, participants will be required to spend an extra 30minutes 
for a one-on-one interaction/interview with the researcher on the lived experiences of 
disaster victims.   
Benefits/Risk of the study 
This study does not present any direct risks or benefits to participants. However, in terms of risks, 
participants may be required to recall some experiences that may be discomforting. In this case, 
there is the opportunity to contact the researcher for appropriate referral or assistance. The benefit 
from this study may be indirect where findings will inform mental health treatment modules in 
Ghana and policy decisions. 
Confidentiality  
Any and all information obtained from you during the study will be confidential.  Your 
privacy will be protected at all times.  You will not be identified individually in any 
way as a result of your participation in this research.  By this, you will not be required 
to provide your name. Your responses to the questionnaires shall not be made available 
to any other person(s) except the results of the written report. 
Compensation  
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There is no form of compensation for the time spent in this study. However, participants have the 
opportunity to inquire about available support for challenges they face as a result of their traumatic 
experiences. Participants may also request for the findings of the study by contacting the principal 
investigator through the contacts provided below. 
Withdrawal from Study 
Your participation in this study is entirely voluntary.  You may refuse to participate in 
this research.  Such refusal will not have any negative consequences for you.  If you begin 
to participate in the research, you may at any time, for any reason, discontinue your 
participation without any negative consequences. If your response to the questionnaires is 
incomplete, your participation will be revoked.  
 
Contact for Additional Information  
Please feel free to ask any questions about anything that seems unclear to you and to 
consider this research and consent form carefully before you sign. You may also call the 
student researcher (Emmanuel Dziwornu) on 0276090802 or email 
emmanuel.dziwornu@yahoo.com for clarifications. If you have any questions about your 
rights as a research participant in this study you may contact the Administrator of the Ethics 
Committee for Humanities, ISSER, University of Ghana at ech@isser.edu.gh / 
ech@ug.edu.gh  or 00233- 303-933-866. 
 
Section C- VOLUNTEER AGREEMENT 
 
"I have read or have had someone read all of the above, asked questions, received answers 
regarding participation in this study, and am willing to give consent to participate in this study. 
I will not have waived any of my rights by signing this consent form. Upon signing this consent 
form, I will receive a copy for my personal records." 
 
________________________________________________ 
Name of Volunteer 
_________________________________________________ _______________________ 
Signature or mark of volunteer                               Date    
 
If volunteers cannot read the form themselves, a witness must sign here:  
I was present while the benefits, risks and procedures were read to the volunteer. All questions 
were answered and the volunteer has agreed to take part in the research.  
_________________________________________________ 
Name of witness 
 
________________________________________________    _______________________   
Signature of witness               Date 
 
I certify that the nature and purpose, the potential benefits, and possible risks associated with 
participating in this research have been explained to the above individual.  
 
__________________________________________________  
Name of Person who Obtained Consent 
 
_________________________________________ ______________________ 
Signature of Person Who Obtained Consent    Date   
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Appendix C: Questionnaire 
 
Bio-Data 
1. Please indicate your Gender  Male  [      ] 
 Female  [      ] 
   
2. Please indicate your highest educational Basic  [      ] 
achievement/level 
 Secondary  [      ] 
 Tertiary  [      ] 
 Other (please specify) ___________ 
   
3. What is your marital status please? Single  [      ] 
 Married [      ] 
 Divorced [      ] 
 Separated  [      ] 
 Cohabiting  [      ] 
   
4. What is your religion? Christian [      ] 
 Islam [      ] 
 Traditional [      ] 
 Other (please specify) ___________ 
   
5. Please indicate your occupation Please specify ___________ 
   
6. Please for how long have you been living in  
this community? (please specify duration) ____________________________ 
7. Did you receive any form of professional Yes  [      ] 
intervention concerning your disaster 
experience? 
 No [      ] 
 
8. If Yes to question 7 above, please specify  
source of intervention ________________________________ 
9. If Yes to question 7 above, for how long did  
you receive the above intervention? ________________________________ 
  
10. Could you please provide your age? ________________________________ 
 
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Assumptive Worldview Scale (AWS) 
Please respond to each of the following statements regarding your general beliefs about 
the world according to the following scale: 
1-Strongly Disagree         2-Disagree          3-Slightly Disagree         4-Slightly Agree                
5-Agree           6-Strongly Agree 
1 Misfortune is least likely to strike worthy, decent people. 1 2 3 4 5 6 
2 People are naturally unfriendly and unkind. 1 2 3 4 5 6 
3 Bad events are distributed to people at random. 1 2 3 4 5 6 
4 Human nature is basically good. 1 2 3 4 5 6 
5 The good things that happen in this world far outnumber the 1 2 3 4 5 6 
bad. 
6 The course of our lives is largely determined by chance. 1 2 3 4 5 6 
7 Generally, people deserve what they get in this world. 1 2 3 4 5 6 
8 I often think I am no good at all. 1 2 3 4 5 6 
9 There is more good than evil in the world. 1 2 3 4 5 6 
10 I am basically a lucky person. 1 2 3 4 5 6 
11 People’s misfortunes result from mistakes that they have made. 1 2 3 4 5 6 
12 People don’t really care what happens to the next person. 1 2 3 4 5 6 
13 I usually behave in ways that are likely to maximize good 1 2 3 4 5 6 
results for me. 
14 People will experience good fortune if they themselves are 1 2 3 4 5 6 
good. 
15 Life is too full of uncertainties that are determined by chance. 1 2 3 4 5 6 
16 When I think about it, I consider myself very lucky. 1 2 3 4 5 6 
17 I almost always make an effort to prevent bad things from 1 2 3 4 5 6 
happening to me. 
18 I have a low opinion of myself. 1 2 3 4 5 6 
19 By and large, good people get what they deserve in this world. 1 2 3 4 5 6 
20 Through our actions we can prevent bad things from happening 1 2 3 4 5 6 
to us. 
21 Looking at my life, I realize that chance events have worked 1 2 3 4 5 6 
out well for me. 
22 If people took preventative actions, most misfortune could be 1 2 3 4 5 6 
avoided. 
23 I take the actions necessary to protect myself from misfortune. 1 2 3 4 5 6 
24 In general, life is mostly a gamble. 1 2 3 4 5 6 
25 The world is a good place. 1 2 3 4 5 6 
26 People are basically kind and helpful. 1 2 3 4 5 6 
27 I usually behave so as to bring about the greatest good for me. 1 2 3 4 5 6 
28 I am very satisfied with the kind of person I am. 1 2 3 4 5 6 
29 When bad things happen, it is typically because people have 1 2 3 4 5 6 
not taken the necessary actions to protect themselves. 
30 If you look closely enough, you will see that the world is full of 1 2 3 4 5 6 
goodness. 
31 I have reason to be ashamed of my personal character. 1 2 3 4 5 6 
32 I am luckier than most people. 1 2 3 4 5 6 
 
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Self-Construal Scale 
This is a questionnaire that measures a variety of feelings and behaviors in various 
situations. Listed below are a number of statements. Read each one as if it referred to you. 
Beside each statement tick the number that best matches your agreement or disagreement. 
Please respond to each statement using the scale below.  
1=Strongly Disagree 
2=Disagree 
3=Somewhat Disagree 
4=Don’t Agree or Disagree 
5=Agree Somewhat 
6=Agree 
7=Strongly Agree 
 
1 I enjoy being unique and different from others in many 1 2 3 4 5 6 7 
respects 
2 I can talk openly with a person who I meet for the first time, 1 2 3 4 5 6 7 
even when this person is much older than I am 
3 Even when I strongly disagree with group members, I avoid 1 2 3 4 5 6 7 
an argument 
4 I have respect for the authority figures with whom I interact 1 2 3 4 5 6 7 
5 I respect people who are modest about themselves 1 2 3 4 5 6 7 
6 I will sacrifice myself interest for the benefit of the group I 1 2 3 4 5 6 7 
am in 
7 I'd rather say "No" directly, than risk being misunderstood 1 2 3 4 5 6 7 
8 Having a lively imagination is important to me 1 2 3 4 5 6 7 
9 I should take into consideration my parents' advice when 1 2 3 4 5 6 7 
making education/career plans 
10 I prefer to be direct and forthright when dealing with people 1 2 3 4 5 6 7 
I've just met 
11 I am comfortable with being singled out for praise or 1 2 3 4 5 6 7 
rewards 
12 If my brother or sister fails, I feel responsible 1 2 3 4 5 6 7 
13 I often have the feeling that my relationships with others are 1 2 3 4 5 6 7 
more important than my own accomplishments 
14 Speaking up during a class (or a meeting) is not a problem 1 2 3 4 5 6 7 
for me 
15 I would offer my seat in a bus to my professor (or my boss) 1 2 3 4 5 6 7 
16 I act the same way no matter who I am with 1 2 3 4 5 6 7 
17 My happiness depends on the happiness of those around me 1 2 3 4 5 6 7 
18 I value being in good health above everything 1 2 3 4 5 6 7 
19 I will stay in a group if they need me, even when I am not 1 2 3 4 5 6 7 
happy with the group 
20 Being able to take care of myself is a primary concern for 1 2 3 4 5 6 7 
me 
21 It is important to me to respect decisions made by the group 1 2 3 4 5 6 7 
22 My personal identity, independent of others, is very 1 2 3 4 5 6 7 
important to me 
23 It is important for me to maintain harmony within my group 1 2 3 4 5 6 7 
24 I act the same way at home that I do at school (or work) 1 2 3 4 5 6 7 
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Big Five Personality Scale 
Please describe yourself as you generally are now, not as you wish to be in the future. 
Describe yourself as you honestly see yourself, in relation to other people you know of the 
same sex as you are, and roughly your same age. So that you can describe yourself in an 
honest manner, your responses will be kept in absolute confidence. Indicate for each 
statement whether it is 
1. Very Inaccurate 
2. Moderately Inaccurate 
3. Neither Accurate Nor Inaccurate 
 4. Moderately Accurate 
 5. Very Accurate 
1 I am the life of the party 1 2 3 4 5 
2 I feel little concern for others 1 2 3 4 5 
3 I am always prepared 1 2 3 4 5 
4 I get stressed out easily 1 2 3 4 5 
5 I have a rich vocabulary 1 2 3 4 5 
6 I don't talk a lot 1 2 3 4 5 
7 I am interested in people 1 2 3 4 5 
8 I leave my belongings around 1 2 3 4 5 
9 I am relaxed most of the time 1 2 3 4 5 
10 I have difficulty understanding abstract ideas 1 2 3 4 5 
11 I feel comfortable around people 1 2 3 4 5 
12 I insult people 1 2 3 4 5 
13 I pay attention to details 1 2 3 4 5 
14 I worry about things 1 2 3 4 5 
15 I have a vivid imagination 1 2 3 4 5 
16 I keep in the background 1 2 3 4 5 
17 I sympathize with others' feelings 1 2 3 4 5 
18 I make a mess of things 1 2 3 4 5 
19 I seldom feel blue 1 2 3 4 5 
20 I am not interested in abstract ideas 1 2 3 4 5 
21 I start conversations 1 2 3 4 5 
22 I am not interested in other people's problems 1 2 3 4 5 
23 I get chores done right away 1 2 3 4 5 
24 I am easily disturbed 1 2 3 4 5 
25 I have excellent ideas 1 2 3 4 5 
26 I have little to say 1 2 3 4 5 
27 I have a soft heart 1 2 3 4 5 
28 I often forget to put things back in their proper place 1 2 3 4 5 
29 I get upset easily 1 2 3 4 5 
30 I do not have a good imagination 1 2 3 4 5 
31 I talk to a lot of different people at parties 1 2 3 4 5 
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32 I am not really interested in others 1 2 3 4 5 
33 I like order 1 2 3 4 5 
34 I change my mood a lot 1 2 3 4 5 
35 I am quick to understand things 1 2 3 4 5 
36 I don't like to draw attention to myself 1 2 3 4 5 
37 I take time out for others 1 2 3 4 5 
38 I shirk my duties 1 2 3 4 5 
39 I have frequent mood swings 1 2 3 4 5 
40 I use difficult words 1 2 3 4 5 
41 I don't mind being the center of attention 1 2 3 4 5 
42 I feel others' emotions 1 2 3 4 5 
43 I follow a schedule 1 2 3 4 5 
44 I get irritated easily 1 2 3 4 5 
45 I spend time reflecting on things 1 2 3 4 5 
46 I am quiet around strangers 1 2 3 4 5 
47 I make people feel at ease 1 2 3 4 5 
48 I am exacting in my work 1 2 3 4 5 
49 I often feel blue 1 2 3 4 5 
50 I am full of ideas 1 2 3 4 5 
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Disaster and Posttraumatic Distress 
Symptom Checklist-90 
Below is a list of problems and complaints that people sometimes have. Please read each 
one carefully. After you have done so, select one of the numbered descriptors that best 
describes HOW MUCH THAT PROBLEM HAS BOTHERED OR DISTRESSED YOU 
DURING THE PAST WEEK, INCLUDING TODAY. Circle the number in the space to 
the right of the problem and do not skip any items. Use the following key to guide how 
you respond: 
Circle 0 if your answer is NOT AT ALL 
Circle 1 if A LITTLE BIT 
Circle 2 if MODERATELY 
Circle 3 if QUITE A BIT 
Circle 4 if EXTREMELY 
Please read the following example before beginning: 
Example: In the previous week, how much were you bothered by: 
 Backaches    0 (1) 2 3 4 
In this case, the respondent experienced backaches a little bit (1). 
Please proceed with the questionnaire. 
 
How much were you bothered by: 
1. Headaches 0 1 2 3 4 
2. Nervousness or shakiness inside 0 1 2 3 4 
3. Unwanted thoughts, words, or ideas that won't leave your mind 0 1 2 3 4 
4. Faintness or dizziness 0 1 2 3 4 
5. Loss of sexual interest or pleasure 0 1 2 3 4 
6. Feeling critical of others 0 1 2 3 4 
7. The idea that someone else can control your thoughts 0 1 2 3 4 
8. Feeling others are to blame for most of your troubles 0 1 2 3 4 
9. Trouble remembering things 0 1 2 3 4 
10. Worried about sloppiness or carelessness 0 1 2 3 4 
11. Feeling easily annoyed or irritated 0 1 2 3 4 
12. Pains in heart or chest 0 1 2 3 4 
13. Feeling afraid in open spaces or on the streets 0 1 2 3 4 
14. Feeling low in energy or slowed down 0 1 2 3 4 
15. Thoughts of ending your life 0 1 2 3 4 
16. Hearing voices that other people do not hear 0 1 2 3 4 
17. Trembling 0 1 2 3 4 
18. Feeling that most people cannot be trusted 0 1 2 3 4 
19. Poor appetite 0 1 2 3 4 
20. Crying easily 0 1 2 3 4 
21. Feeling shy or uneasy with the opposite sex 0 1 2 3 4 
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22. Feeling of being trapped or caught 0 1 2 3 4 
23. Suddenly scared for no reason 0 1 2 3 4 
24. Temper outbursts that you could not control 0 1 2 3 4 
25. Feeling afraid to go out of your house alone 0 1 2 3 4 
26. Blaming yourself for things 0 1 2 3 4 
27. Pains in lower back 0 1 2 3 4 
28. Feeling blocked in getting things done 0 1 2 3 4 
29. Feeling lonely 0 1 2 3 4 
30. Feeling blue 0 1 2 3 4 
31. Worrying too much about things 0 1 2 3 4 
32. Feeling no interest in things 0 1 2 3 4 
33. Feeling fearful 0 1 2 3 4 
34. Your feelings being easily hurt 0 1 2 3 4 
35. Other people being aware of your private thoughts 0 1 2 3 4 
36. Feeling others do not understand you or are unsympathetic 0 1 2 3 4 
37. Feeling that people are unfriendly or dislike you 0 1 2 3 4 
38. Having to do things very slowly to insure correctness 0 1 2 3 4 
39. Heart pounding or racing 0 1 2 3 4 
40. Nausea or upset stomach 0 1 2 3 4 
41. Feeling inferior to others 0 1 2 3 4 
42. Soreness of your muscles 0 1 2 3 4 
43. Feeling that you are watched or talked about by others 0 1 2 3 4 
44. Trouble falling asleep 0 1 2 3 4 
45. Having to check and double-check what you do 0 1 2 3 4 
46. Difficulty making decisions 0 1 2 3 4 
47. Feeling afraid to travel on buses, subways, trains 0 1 2 3 4 
48. Trouble getting your breath 0 1 2 3 4 
49. Hot or cold spells 0 1 2 3 4 
Having to avoid certain things, places, or activities because they 0 1 2 3 4 
50. 
frighten you 
51. Your mind going blank 0 1 2 3 4 
52. Numbness or tingling in parts of your body 0 1 2 3 4 
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53. A lump in your throat 0 1 2 3 4 
54. Feeling hopeless about the future 0 1 2 3 4 
55. Trouble concentrating 0 1 2 3 4 
56. Feeling weak in parts of your body 0 1 2 3 4 
57. Feeling tense or keyed up 0 1 2 3 4 
58. Heavy feelings in your arms or legs 0 1 2 3 4 
59. Thoughts of death or dying 0 1 2 3 4 
60. Overeating 0 1 2 3 4 
61. Feeling uneasy when people are watching or talking about you 0 1 2 3 4 
62. Having thoughts that are not your own 0 1 2 3 4 
63. Having urges to beat, injure, or harm someone 0 1 2 3 4 
64. Awakening in the early morning 0 1 2 3 4 
Having to repeat the same actions such as touching, counting, 0 1 2 3 4 
65. 
washing 
66. Sleep that is restless or disturbed 0 1 2 3 4 
67. Having urges to break or smash things 0 1 2 3 4 
68. Having ideas or beliefs that others do not share 0 1 2 3 4 
69. Feeling very self-conscious with others 0 1 2 3 4 
70. Feeling uneasy in crowds, such as shopping or at a movie 0 1 2 3 4 
71. Feeling everything is an effort 0 1 2 3 4 
72. Spells of terror or panic 0 1 2 3 4 
73. Feeling uncomfortable about eating or drinking in public 0 1 2 3 4 
74. Getting into frequent arguments 0 1 2 3 4 
75. Feeling nervous when you are left alone 0 1 2 3 4 
76. Others not giving you proper credit for your achievements 0 1 2 3 4 
77. Feeling lonely even when you are with people 0 1 2 3 4 
78. Feeling so restless you couldn't sit still 0 1 2 3 4 
79. Feelings of worthlessness 0 1 2 3 4 
80. Feeling that familiar things are strange or unreal 0 1 2 3 4 
81. Shouting or throwing things 0 1 2 3 4 
82. Feeling afraid you will faint in public 0 1 2 3 4 
83. Feeling that people will take advantage of you if you let them 0 1 2 3 4 
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84. Having thoughts about sex that bother you a lot 0 1 2 3 4 
85. The idea that you should be punished for your sins 0 1 2 3 4 
86. Feeling pushed to get things done 0 1 2 3 4 
87. The idea that something serious is wrong with your body 0 1 2 3 4 
88. Never feeling close to another person 0 1 2 3 4 
89. Feelings of guilt 0 1 2 3 4 
90. The idea that something is wrong with your mind 0 1 2 3 4 
 
 
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Disaster and Posttraumatic Distress 
Post Traumatic Growth Inventory 
Indicate for each of the statements below the degree to which this change occurred in your 
life as a result of the flood disaster you experienced, using the following scale: 
1 = I did not experience this change as a result of my crisis 
2 = I experienced this change to a very small degree as a result of my crisis 
3 = I experienced this change to a small degree as a result of my crisis 
4 = I experienced this change to a moderate degree as a result of my crisis 
5 = I experienced this change to a great degree as a result of my crisis 
6 = I experienced this change to a very great degree as a result of my crisis 
 
1. My priorities about what is important in life  1 2 3 4 5 6 
2. I’m more likely to try to change things that need changing  1 2 3 4 5 6 
3. An appreciation for the value of my own life  1 2 3 4 5 6 
4. A feeling of self-reliance  1 2 3 4 5 6 
5. A better understanding of spiritual matters  1 2 3 4 5 6 
6. Knowing that I can count on people in times of trouble  1 2 3 4 5 6 
7. A sense of closeness with others  1 2 3 4 5 6 
8. Knowing I can handle difficulties  1 2 3 4 5 6 
9. A willingness to express my emotions  1 2 3 4 5 6 
10. Being able to accept the way things work out  1 2 3 4 5 6 
11. Appreciating each day  1 2 3 4 5 6 
12. Having compassion for others  1 2 3 4 5 6 
13. I’m able to do better things with my life  1 2 3 4 5 6 
14. New opportunities are available which wouldn’t have been 1 2 3 4 5 6 
otherwise 
15. Putting effort into my relationships  1 2 3 4 5 6 
16. I have a stronger religious faith  1 2 3 4 5 6 
17. I discovered that I’m stronger than I thought I was  1 2 3 4 5 6 
18. I learned a great deal about how wonderful people are  1 2 3 4 5 6 
19. I developed new interests  1 2 3 4 5 6 
20. I accept needing others  1 2 3 4 5 6 
21. I establish a new path for my life  1 2 3 4 5 6 
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Posttraumatic Stress Disorder Checklist-Specific 
Below is a list of problems and complaints that people sometimes have in response to 
stressful life experiences flood as the experience of flood disasters. Please read each one 
carefully, circle the number that corresponds how much you have been bothered by that 
problem in the last month.  
Not at all (1) A little bit (2) Moderately (3) Quite a bit (4) Extremely (5)  
 
1 Repeated, disturbing memories, thoughts, or images of the flood 1 2 3 4 5 
disaster?  
2 Repeated, disturbing dreams of the flood disaster?  1 2 3 4 5 
3 Suddenly acting or feeling as if the flood disaster were 1 2 3 4 5 
happening again (as if you were reliving it)?  
4 Feeling very upset when something reminded you of the flood 1 2 3 4 5 
disaster?  
5 Having physical reactions (e.g., heart pounding, trouble 1 2 3 4 5 
breathing, or sweating) when something reminded you of the 
flood disaster? 
6 Avoid thinking about or talking about the flood disaster or avoid 1 2 3 4 5 
having feelings related to it?  
7 Avoid activities or situations because they remind you of the 1 2 3 4 5 
flood disaster?  
8 Trouble remembering important parts of the flood disaster?  1 2 3 4 5 
9 Loss of interest in things that you used to enjoy?  1 2 3 4 5 
10 Feeling distant or cut off from other people?  1 2 3 4 5 
11 Feeling emotionally numb or being unable to have loving 1 2 3 4 5 
feelings for those close to you?  
12 Feeling as if your future will somehow be cut short?  1 2 3 4 5 
13 Trouble falling or staying asleep?  1 2 3 4 5 
14 Feeling irritable or having angry outbursts?  1 2 3 4 5 
15 Having difficulty concentrating?  1 2 3 4 5 
16 Being “super alert” or watchful on guard?  1 2 3 4 5 
17 Feeling jumpy or easily startled?  1 2 3 4 5 
 
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Multidimensional Scale of Perceived Social Support 
We are interested in how you feel about the following statements. Read each statement 
carefully. Indicate how you feel about each statement.  
Circle the “1” if you Very Strongly Disagree 
Circle the “2” if you Strongly Disagree 
Circle the “3” if you Mildly Disagree 
Circle the “4” if you are Neutral 
Circle the “5” if you Mildly Agree 
Circle the “6” if you Strongly Agree 
Circle the “7” if you Very Strongly Agree 
 
1 There is a special person who is around when I am in need.  1 2 3 4 5 6 7 
2 There is a special person with whom I can share my joys 1 2 3 4 5 6 7 
and sorrows.  
3 My family really tries to help me.  1 2 3 4 5 6 7 
4 I get the emotional help and support I need from my 1 2 3 4 5 6 7 
family.  
5 I have a special person who is a real source of comfort to 1 2 3 4 5 6 7 
me.  
6 My friends really try to help me.  1 2 3 4 5 6 7 
7 I can count on my friends when things go wrong.  1 2 3 4 5 6 7 
8 I can talk about my problems with my family.  1 2 3 4 5 6 7 
9 I have friends with whom I can share my joys and sorrows.  1 2 3 4 5 6 7 
10 There is a special person in my life who cares about my 1 2 3 4 5 6 7 
feelings.  
11 My family is willing to help me make decisions.  1 2 3 4 5 6 7 
12 I can talk about my problems with my friends.  1 2 3 4 5 6 7 
 
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General Self Efficacy Scale 
Below are a number of statements describing how you may feel about yourself. Please 
respond by using the rating scale below. Be as honest as possible. 
1 = Not at all true 2 = Hardly true 3 = Moderately true 4 = Exactly true  
 
1 I can always manage to solve difficult problems if I try hard enough 1 2 3 4 
2 If someone opposes me, I can find the means and ways to get what 1 2 3 4 
I want 
3 It is easy for me to stick to my aims and accomplish my goals 1 2 3 4 
4 I am confident that I could deal efficiently with unexpected events 1 2 3 4 
5 Thanks to my resourcefulness, I know how to handle unforeseen 1 2 3 4 
situations 
6 I can solve most problems if I invest the necessary effort 1 2 3 4 
7 I can remain calm when facing difficulties because I can rely on my 1 2 3 4 
coping abilities 
8 When I am confronted with a problem, I can usually find several 1 2 3 4 
solutions 
9 If I am in trouble, I can usually think of a solution 1 2 3 4 
10 I can usually handle whatever comes my way 1 2 3 4 
 
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Global Belief in Just World Scale 
The following statements describe how just people think the world is. Please indicate the 
extent to which you agree or disagree with the statement using the rating scale below. 
1-Strongly Disagree  
2-Disagree  
3-Slightly Disagree  
4-Slightly Agree  
5-Agree 
6-Strongly Agree 
 
1 I feel that people get what they are entitled to have 1 2 3 4 5 6 
2 I feel that a person’s efforts are noticed and rewarded 1 2 3 4 5 6 
3 I feel that people earn the rewards and punishments they get 1 2 3 4 5 6 
4 I feel that people who meet with misfortune have brought it on 1 2 3 4 5 6 
themselves 
5 I feel that people get what they deserve 1 2 3 4 5 6 
6 I feel that rewards and punishments are fairly given 1 2 3 4 5 6 
7 I basically feel that the world is a fair place 1 2 3 4 5 6 
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Wagnild and Young’s Resilience Scale 
Please read the following statements and indicate the extent to which you agree or 
disagree with them using the rating scale provided below 
1 = Disagree strongly 
2 = Disagree moderately 
3 = Disagree a little 
4 = Neither agree nor disagree 
5 = Agree a little 
6 = Agree moderately 
7 = Agree strongly 
 
1 When I make plans, I follow through with them.  1 2 3 4 5 6 7 
2 I usually manage one way or another  1 2 3 4 5 6 7 
3 I am able to depend on myself more than anyone else  1 2 3 4 5 6 7 
4 Keeping interested in things is important to me  1 2 3 4 5 6 7 
5 I can be on my own if I have to  1 2 3 4 5 6 7 
6 I feel proud that I have accomplished things in life  1 2 3 4 5 6 7 
7 I usually take things in stride  1 2 3 4 5 6 7 
8 I am friends with myself  1 2 3 4 5 6 7 
9 I feel that I can handle many things at a time  1 2 3 4 5 6 7 
10 I am determined  1 2 3 4 5 6 7 
11 I seldom wonder what the point of it all  is 1 2 3 4 5 6 7 
12 I take things one day at a time  1 2 3 4 5 6 7 
13 I can get through difficult times because I’ve experienced difficulty 1 2 3 4 5 6 7 
before  
14 I have self-discipline  1 2 3 4 5 6 7 
15 I keep interested in things  1 2 3 4 5 6 7 
16 I can usually find something to laugh about  1 2 3 4 5 6 7 
17 My belief in myself gets me through hard times  1 2 3 4 5 6 7 
18 In an emergency, I’m someone people can generally rely on  1 2 3 4 5 6 7 
19 I can usually look at a situation in a number of ways.  1 2 3 4 5 6 7 
20 Sometimes I make myself do things whether I want to or not 1 2 3 4 5 6 7 
21 My life has meaning 1 2 3 4 5 6 7 
22 I do not dwell on things that I can’t do anything about 1 2 3 4 5 6 7 
23 When I’m in a difficult situation, I can usually find my way out of it  1 2 3 4 5 6 7 
24 I have enough energy to do what I have to do  1 2 3 4 5 6 7 
25 It’s okay if there are people who don’t like me 1 2 3 4 5 6 7 
 
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Santa Clara Strength of Religious Faith Questionnaire 
Using the following rating scale, please indicate your degree of agreement or otherwise 
with the statements below concerning your religious faith. 
1=strongly disagree 
2=disagree 
3=agree 
4=strongly agree 
1 My religious faith is extremely important to me. 1 2 3 4 
2 I pray daily. 1 2 3 4 
3 I look to my faith as a source of inspiration. 1 2 3 4 
4 I look to my faith as providing meaning and purpose in my life. 1 2 3 4 
5 I consider myself active in my faith or church. 1 2 3 4 
6 My faith is an important part of who I am as a person. 1 2 3 4 
7 My relationship with God is very important to me. 1 2 3 4 
8 I enjoy being around others who share my faith. 1 2 3 4 
9 I look to my faith as a source of comfort. 1 2 3 4 
10 My faith impacts many of my decisions. 1 2 3 4 
 
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Trauma History Questionnaire 
The following is a series of questions about serious or traumatic life events. The 
questionnaire is divided into questions covering crime experiences, general disaster and 
trauma questions, and questions about physical and sexual experiences.  For each event, 
please indicate (circle) whether it happened or not and, if it did, the number of times and 
your approximate age when it happened (give your best guess if you are not sure). 
If you circled yes, 
Crime-Related Events  Circle please indicate one Number Approxim
of times ate age(s) 
Has anyone ever tried to take something directly 
1 from you by using force or the threat of force, such No Yes   
as a stick-up or mugging?  
2 Has anyone ever attempted to rob you or actually robbed you (i.e., stolen your personal belongings)?  No Yes   
3  Has anyone ever attempted to or succeeded in breaking into your home when you were not there?  No Yes   
4 Has anyone ever attempted to or succeed in breaking into your home while you were there?  No Yes   
If you circled yes, 
General Disaster and Trauma  Circle please indicate one Number Approxim
of times ate age(s) 
Have you ever had a serious accident at work, in a 
car, or somewhere else? (If yes, please specify 
5 below) No Yes   
__________________________________________
________ 
Have you ever experienced a natural disaster such as 
a tornado, hurricane, flood or major earthquake, etc., 
where you felt you or your loved ones were in 
6 danger of death or injury? (If yes, please specify No Yes   
below)  
__________________________________________
________ 
Have you ever experienced a “man-made” disaster 
such as a train crash, building collapse, bank 
robbery, fire, etc., where you felt you or your loved 
7 ones were in danger of death or injury? (If yes, No Yes   
please specify below) 
__________________________________________
________ 
Have you ever been exposed to dangerous 
8 chemicals or radioactivity that might threaten your health?   No Yes   
 
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Have you ever been in any other situation in which 
you were seriously injured? (If yes, please specify 
9 below) No Yes   
__________________________________________
________ 
Have you ever been in any other situation in which 
you feared you might be killed or seriously injured? 
10 (If yes, please specify below) No Yes   
__________________________________________
________ 
Have you ever seen someone seriously injured or 
11 killed? (If yes, please specify who below) __________________________________________ No Yes   
________ 
Have you ever seen dead bodies (other than at a 
funeral) or had to handle dead bodies for any 
12 reason? (If yes, please specify below) No Yes   
__________________________________________
________ 
Have you ever had a close friend or family member 
murdered, or killed by a drunk driver? (If yes, 
13 please specify relationship [e.g., mother, grandson, etc.] below) No Yes   
__________________________________________
_______ 
Have you ever had a spouse, romantic partner, or 
14 child die? (If yes, please specify relationship below) __________________________________________ No Yes   
_______ 
Have you ever had a serious or life-threatening 
15 illness? (If yes, please specify below) __________________________________________ No Yes   
_______ 
Have you ever received news of a serious injury, 
life-threatening illness, or unexpected death of 
16 someone close to you? (If yes, please indicate below) No Yes   
__________________________________________
_______ 
Have you ever had to engage in combat while  
in military service in an official or unofficial war  
17 zone? (If yes, please indicate where below) No Yes   
__________________________________________
_______ 
  
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If you circled yes, 
please indicate 
Physical and Sexual Experiences  Circle Approximone Repeated ate age(s) 
? and 
frequency 
Has anyone ever made you have intercourse or oral 
or anal sex against your will? (If yes, please  
18 indicate nature of relationship with person [e.g., stranger, friend, relative, parent, sibling]  below) No Yes   
_________________________________________
________ 
Has anyone ever touched private parts of your 
body, or made you touch theirs, under force or 
threat? (If yes, please  indicate nature of 
relationship with person [e.g., stranger, friend, 
19  relative, parent, sibling]  below) No Yes   
_________________________________________
________ 
 
 
Other than incidents mentioned in Questions 18 and 
20 19, have there been any other situations in which another person tried to force you to have an No Yes   
unwanted sexual contact?  
Has anyone, including family members or friends, 
21 ever attacked you with a gun, knife, or some other No Yes   
weapon? 
Has anyone, including family members or friends, 
22  ever attacked you without a weapon and seriously No Yes   
injured you?  
23 Has anyone in your family ever beaten, spanked, or pushed you hard enough to cause injury?  No Yes   
Have you experienced any other extraordinarily 
stressful situation or event that is not covered 
24  above? (If yes, please specify below) _________________________________________ No Yes   
_________ 
 
 
  
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Appendix D: Interview guide for Qualitative Study 
 
Greeting 
Please, in order that I do not forget any part of our conversation, I will like to record the 
interview. Do I have your permission to switch on the recorder please? 
[Switch on the recorder] 
[Remember to number interview] 
As I said earlier, my name is Emmanuel Dziwornu, a student from the University of 
Ghana, Legon. I will like to have an interview with you in relation to the same research 
you filled the questionnaire for (title: Disaster and Posttraumatic Distress: Risk and 
Protective Factors). Please feel free to ask for explanation if something is not clear to you. 
Bio-data 
Please how old are you? 
Are you married or not? 
Kindly tell me your level of educational  
Please, what job do you do? 
 
Area of interest Guiding Follow ups/prompters  
question  
Account of the Please tell me • Where were you when it all started?  
disaster what you recall • Did you receive any warning signs prior 
experienced or remember to the flood? Weather forecast, NADMO 
from the 2015 cautions, AMA warning, brief floods? 
flood disaster • When you realized that there was flood 
what did you do? Called for help, 
struggled with it alone, run for your life? 
• Who were you with during the flood? 
What does this • What do you think explains this disaster? 
disaster mean to • Who in your opinion should take a/the 
you? blame for it? Self, government, 
neighbours? 
• Were you expecting it probably because 
of the area you live? If you do, which 
precautions did you try and why did you 
still have to encounter the flood? 
Impact of the Please tell me • How did the disaster affect you 
disaster on what effects the physically? 
victim disaster had on ▪ Injuries 
you ▪ Death of relative/friend 
▪ Loss of valuables, capital 
▪ Loss of job, business, 
shop 
• How did the disaster affect your 
psychological health? 
▪ Fear/anxiety, panic 
▪ Sadness/depression 
▪ Emotional hurt/pain 
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▪ Poor sleep 
▪ Concentration 
▪ Eating problems 
▪ Family/marital 
problems/divorce 
• What would you perceive as positive 
from the flood?  
▪ become stronger in faith?  
▪ see life more positive or 
value life now? 
▪ think better about life 
now? 
• How would you compare yourself now 
to yourself before the flood?  
▪ Financially, health-wise, 
interpersonally, spiritually  
How client How have you • What personal resources would you say 
survived the manage with the helped the most in dealing with the 
disaster effects of the impact of the disaster? 
experience disaster all this • In what ways were your family members 
while? helpful in managing with the disaster? 
• What forms of support did you receive 
from society (friends, strangers and 
neigbours)? 
• Did you receive any form of professional 
intervention? Pastors/imams, 
psychologists/counselors, family elders? 
Was it available, accessible, affordable? 
• What government aids did you receive?  
▪ Was the aid timely, 
appropriate, sufficient? 
Conclusion  What else do you • What more must you do to cope with the 
have to say? situation? 
• What help do you need currently 
regarding the flood? 
• What do you know about psychological 
support systems in Ghana? 
• Do you have any advice for government 
and individual citizens about such 
disasters? 
 
 
 
 
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