I certify that this dissertation is my own work. I have read and understood the University code of ethics and regulations concerning plagiarism and the penalties to be incurred if my work is deemed unauthentic. I am willing to allow my work to be used as a sample thesis or reference document by either Coventry University or GTUC for future students.
Signed: ...................... Date: ................. (Amponsah – Doku Aaron)
Signed: .....................Date: .................... (Mr. Kwaku Duah Berchie)
It is a great pleasure to me to thank the many people who in different ways have supported my graduate studies, and contributed to the process of writing this thesis. First, I would like to thank my supervisor, Mr. Kwaku Duah Berchie for his selfless and insightful directions. I also thank Dr. Robert Baffour for his thesis clinic which really helped me in writing the thesis. I like to express my gratitude to Mr. Peter Annan Aborhey, who was my guidance angel during the period of writing the thesis. I also thank Miss Mary Boatemaa of Youth Center for typesetting the thesis. My sincere thanks also go to the B.O.D, Management and Staffs of Suame Circuit Co-op. Credit Union Ltd for allowing me to use their company for this study. I thank my wife Mrs Deborah Amponsah – Doku for her unflinching support and understanding during my studies. My deepest appreciation and gratitude goes to my mother, Mrs Margaret Amponsah Doku, and my sister, Euphegenia Selma Darkoah Amponsah for their financial support and encouragement throughout my studies. Finally, above all, I thank the Almighty God for His grace, wisdom, understanding and guidance throughout the studies.
This work is dedicated to my late father, Mr. Robert Amponsah Doku, my mother, Mrs Margaret Amponsah Doku, my wife Deborah and my three lovely...