We hear or read the following phrases often: "Everybody spends so much time on their smartphones that they never look up." "Just send me an email and we'll work out the scheduling." "You'll find all the job application materials on our website, where you can submit your application online." However, adults with low…

Most microcredit institutions focus on giving out credit to their clients with the assumption that these clients have the capacity and ability to manage the credit efficiently and the human capital to operate efficiently. There is evidence to show that most women in the Savelugu/Nanton district of Ghana have access to credit but lack the…