ASSESSMENT OF PROBLEMS AFFECTING THE STRUCTURE, CONDUCT AND PERFORMANCE OF COWPEA MARKETING IN YOLA NORTH AND YOLA SOUTH LOCAL GOVERNMENT AREAS IN ADAMAWA STATE, NIGERIA. (Published)
The study assesses the socio-economic and problems affecting the structure, conduct and performance of cowpea marketing in Yola South and Yola North Local Government Area of Adamawa State, Nigeria. The data used for the study was mainly from primary source. These were obtained through the administration of structured questionnaire to a sample of 75 cowpea marketers in the two local government areas. The data generated was from marketers in 2011/2012 marketing season. Descriptive statistics were employed for the study to examine the socio-economic characteristics of marketers and the constraint faced in their marketing activities. The study concludes that, several problems were associated with cowpea marketing in the study area namely; inadequate capital, pest infestation, and low profit, high cost of transportation, bad road network, storage, high taxes, inadequate market information and lack of standard measure are some of the problem militating against cowpea marketing in the study area. Amongst all the problems inadequate capital, pest infestation and low profit ranks the first three most serious problems. The study therefore recommends that, Government and the private sector should facilitate the marketers in accessing a timely and affordable credit facility so as to sustain and expand their marketing activities. Government should open up and rehabilitate the road network in the hinterland to facilitate easy evacuation of agricultural inputs and commodities in and out of the market.
This paper analyses the structure, conduct, and performance of commercial banks in Ghana. The empirical investigation uses two different measures of concentration to represent market structure and a market share variable to capture the effect of Market conduct on bank performance, and two accounting measures: return data on Return on Assets (ROA), return on equity (ROE) to represent banks’ performance. Annual time series data ROA, ROE and other ratios were collected from nineteen commercial banks over the period 2007 -2012. The results indicated that market concentration and market share significantly determines profitability in Ghana, signifying the strong acceptance of the SCP hypothesis. Consequently, the research suggests the need for improvement in bank capitalization, bank size, service product innovation and effective liquidity management for the Ghanaian banking industry