Mrs. Theodora Akweley Asiamah successfully defended her PhD dissertation titled Trends and Determinants of Household Use of Financial Services in Ghana on Thursday 1st March 2018, at the School of Graduate Studies, University of Ghana.  


The External Examiners were: Prof Samuel Kobina Annim, Director of Research, Innovation and Consultancy, University of Cape Coast and Prof N.N.N. Nsowah-Nuamah, Regent University College. The Internal Examiner was Prof Godfred Bokpin of the Department of Finance, University of Ghana Business School.

Some of her findings were that rural residents were generally more likely to use informal financial institutions. In urban areas, females and individuals with low education were more likely to save in such informal institutions, whilst in rural areas the divorced, separated or widowed were more likely to use informal saving institutions.

The study also showed that highly educated household heads were less likely to be credit constrained, while the poor, widows and those who had separated or divorced in rural areas, were more likely to be credit constrained. Females were generally less likely to face credit constraints than males, her findings added.

The Director of ISSER, Prof Felix Asante, ISSER Divisional Heads and faculty, the Administrative Secretary. and some staff from ISSER were all present during the viva.

Hearty congratulations to Mrs. Theodora Akweley Asiamah.

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