International Journal For Multidisciplinary Research

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The Effect of Marital Status and Gender on the Demand Housing Finance Choice of Public Sector Workers in Ghana

Author(s) Dr. Isaac Okpoti Nai
Country Ghana
Abstract Despite many efforts by the government of Ghana and the key players to boost the housing industry it remains in its infancy. The purpose of this study is to identify the knowledge gap within the housing industry by analysing the marital status and gender of public sector workers.
Mixed methods research is the right choice as three hundred and eighty-four (384) public sector workers were surveyed using comprehensive questionnaire completed with information gathered from qualitative sources.
The test found that marital status has effect on Public Sector Workers choice of housing finance therefore the null hypothesis is rejected on the other hand get has no effect on the choice of demand housing finance of Public Sector Workers therefore the null hypothesis is accepted.
Players in the demand housing finance industry must invest in research to find out why marital status affect choice of demand housing finance and how to meet the requirement of Public Sector Workers.
This is the first time in Ghana public sector workers’ marital status and gender have been surveyed comprehensively in relation to demand housing finance loan. This research did not follow the existing trends of focusing more banking industry but rather the users of the product. This knowledge raises many questions as to why the existing demand housing finance schemes have been unsuccessful in Ghana.
Keywords Housing finance, public sector, affordability, business strategy, product development
Field Business Administration
Published In Volume 6, Issue 3, May-June 2024
Published On 2024-06-17
Cite This The Effect of Marital Status and Gender on the Demand Housing Finance Choice of Public Sector Workers in Ghana - Dr. Isaac Okpoti Nai - IJFMR Volume 6, Issue 3, May-June 2024. DOI 10.36948/ijfmr.2024.v06i03.22862
DOI https://doi.org/10.36948/ijfmr.2024.v06i03.22862
Short DOI https://doi.org/gt2bzz
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