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Regional efficiency disparities in rural and community banks in Ghana: A data envelopment analysis
Journal of Psychology in Africa ( IF 0.917 ) Pub Date : 2020-07-04 , DOI: 10.1080/14330237.2020.1767955
Joy Say 1, 2 , Hongjiang Zhao 1 , Francisca Sena Agbenyegah 2 , Angela Abena Nusenu 1 , Evans Asante Boadi 1 , Samuel Morkporkpor Egbadewoe 3
Affiliation  

This study measured the level of rural and community banks’ (RCBs) efficiency in Ghana to ascertain whether there were regional disparities in the levels of efficiency using Charnes-Cooper-Rhodes (CCR) and Barker-Charnes-Cooper (BCC) models. We collected data from 127 banks over a 4-year period from 2014 to 2017 (86.11% RCBs). For the data analysis, we employed ANOVA to compare efficiency scores for disparities based on the banks’ Data Envelopment Analysis (DEA). Consistent with DEA predictions, we found technical and scales inefficiency disparities across the regions. For rural growth enhancing finance, tailored policies for asset selection should be enacted to protect the banks from risks associated with selecting too many bad assets. Also, the employment of cutting-edge technologies and intra-regional information sharing would protect the banks against regional-specific risks, and thus enhance efficiency.



中文翻译:

加纳农村和社区银行的区域效率差异:数据包络分析

这项研究使用Charnes-Cooper-Rhodes(CCR)和Barker-Charnes-Cooper(BCC)模型测量了加纳农村和社区银行(RCBs)的效率水平,以确定效率水平上是否存在地区差异。我们收集了2014年至2017年这4年间来自127家银行的数据(RCB率为86.11%)。对于数据分析,我们基于银行的数据包络分析(DEA),采用ANOVA来比较差异的效率得分。与DEA预测一致,我们发现了整个地区的技术和规模效率低下差异。对于促进农村增长的金融,应制定有针对性的资产选择政策,以保护银行免受因选择过多不良资产而带来的风险。也,

更新日期:2020-07-04
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