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Missing Link between Quality of Work Life and Productivity of Loan Disbursement: The Ghanaian Perspective

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  • Emmanuel Ampofo
  • Kwasi Dartey-Baah

Abstract

The study examines the impact of credit officers’ Quality of Work Life (QWL) on productivity of loan disbursement in 10 selected Savings and Loans Companies in the Accra, Ghana. The study was quantitative, cross-sectional, descriptive and analytical. Out of 1602 employees, 310 employees were sampled. Simple random sampling technique was used to select both companies and respondents. 92% of questionnaires were self-administered and 8% were e-mailed. The finding indicated a significant positive impact of credit officers’ QWL on productivity of loan disbursement (β= .274, p<.001). It was suggested that it will be profitable to and prudent on the part of managers not to play with the QWL of credit officers if they really want to experience an increase in loan disbursement. Also, managers’ comprehensive focus on the general happiness of credit officers by ensuring employees’ holistic well-being in the organisation will lead to productivity of loan disbursement. The study becomes the first to research on both credit officers and productivity of loan disbursement in the financial sector of Ghana.

Suggested Citation

  • Emmanuel Ampofo & Kwasi Dartey-Baah, 2016. "Missing Link between Quality of Work Life and Productivity of Loan Disbursement: The Ghanaian Perspective," International Journal of Business and Management, Canadian Center of Science and Education, vol. 11(3), pages 203-203, February.
    • Handle: RePEc:ibn:ijbmjn:v:11:y:2016:i:3:p:203
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    References listed on IDEAS

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    1. M Patterson & P Warr & M West, 2004. "Organizational Climate and Company Productivity: the Role of Employee Affect and Employee Level," CEP Discussion Papers dp0626, Centre for Economic Performance, LSE.
    2. Gadon, Herman, 1984. "Making sense of quality of work life programs," Business Horizons, Elsevier, vol. 27(1), pages 42-46.
    3. Kwaku D Kessey, 2014. "Micro Credit and Promotion of Small and Medium Enterprises in Informal Sector of Ghana: Lessons from Experience," Asian Economic and Financial Review, Asian Economic and Social Society, vol. 4(6), pages 768-780.
    4. M. Sirgy & David Efraty & Phillip Siegel & Dong-Jin Lee, 2001. "A New Measure of Quality of Work Life (QWL) Based on Need Satisfaction and Spillover Theories," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 55(3), pages 241-302, September.
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    JEL classification:

    • R00 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General - - - General
    • Z0 - Other Special Topics - - General

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