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

  •  Emmanuel Ampofo    
  •  Kwasi Dartey-Baah    


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.

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