Periodic Bulletin

1. Volume 2, Issue 2 April 1, 2009
The African Renaissance Movement Presents:
The ARM Pinnacle
Keep Your Minds Always Ticking
...IT Entrepreneur Urges Ashesi Students
• News
• Interviews or about twenty Award’ from the Texas State Excellence Awards for IT in
years now, the Alumni Association and 2005 (nominated in 2000).
• Features introduction of Texas State University- San His visit was in response to
• Politics information Marcos, USA. a man who, in an invitation from the Entre-
technology (IT) firms in preneur’s Club to speak
• Africa Ghana has helped catalyst about his life and business in
the growth and market Ghana.
• Views
share of many business
• Ashesi activates. An evident and During his talk, the modest-
current example is the sounding entrepreneur ex-
automation of the Ghana plained that after studying
Stock Exchange which manufacturing and working
happened in June 2008 a bit for a car dealership in
the USA, where he acquired
and has made the finan-
his marketing skills, and
cial market of Ghana
working a bit in the UK in a
more efficient than ever. computer-related field, he
On the eve of 21st March partnership with Joe Jack- came to Ghana with just
2009, Ashesi’s grounds were son, gave birth to one of the about a thousand dollars in
graced by the presence of largest software companies his pouch to look for
Hermann Chinery-Hesse, the in Ghana and possibly West ‘greener pastures’. Yes, very
only African recipient of the Africa, Soft Tribe, the firm ironic! But he explicated that
‘Distinguished Alumnus that won The Millennium against the wishes of his
Inside this issue:
Ogya’s Corner 2 Editorial
Faculty Focus: 3
Nathan Amanquah Another semester is here, and able to transform seemingly Ashesi is what you make it.
as sad as it is that we will be mundane activities into loads
The Art of Voluntarism 5 I’d like to say a big thank you
saying goodbye to the Class of of fun every day of this week
to all members of the Pinna-
2009, we are grateful for how is truly something to behold,
Great Expectations... 6 cle team who contributed in
far each of us has come. and it is for this reason I look
immeasurable ways to make
forward to ASC week each
It’s ASC week. This week, we this issue a possibility. Happy
The Global Economic 8 year. Do enjoy the week’s
Recession: An ARM celebrate Ashesi in a different ASC week to you all, and stay
member’s Perspective activities and remember to
way each day. How we are blessed.
play an active role since life at

2. The ARM Pinnacle
Ogya’s Corner
Law enforcement and secu- call the ‘little foxes’ – issues that centralized system, we will make
rity in our society is of prime seem minor and yet carry more life a lot easier. Once again, the
importance. We need a serious weight than we realize. Fixing the fundamental issue of over-
overhaul of our law enforce- little foxes tackles surface prob- centralization of functions and
ment apparatus – a transfor- lems that cut across sectors and power must be addressed.
This is the concluding part of Dr.
mation of our police ‘force’ segments of our lives, and they
Esi Ansah’s article from the last into a police ‘service.’ A serve as evidence of deeper, funda- When conducting research in
issue. You can read more from Dr mental re-orientation is mental problems that need to be
Ansah at:
Ghana recently, it was very strik-
http://ogyakrom.blogspot.com/ needed, proper recruiting fixed. Sometimes the way to put ing, that we barely have signs
and training of our officers, out the fire is to first find out where around that tell us what to do. Go
a heavy dose of socializa- the smoke is coming from. As we to public agencies, and you’re
tion and education about their roles find the smoke, make our way tossed from one office to the
in our society, their civic duties etc through it, then we can find the other without understanding the
is crucial, and I can’t possibly say it source of the fire. The little things process and what’s going on.
enough. Of course, as we need to do that will improve life while we There are no signs to tell you
with the teachers, we need to take tackle the deeper issues have to do what documents you must have,
better care of our service men and with things such as signage, liter- what the procedure is, how much
women and focus on getting them acy, our addressing system, record it will cost you, etc etc., and these
to understand the philosophical keeping/management, and gener- are the loose nuts and bolts that
foundations and reasons for their ally, how we do things. I’d label cause the system to fall apart
existence. They’re supposed to this a rationalization campaign. because people take advantage of
make our nation a prime/choice Max Weber, a German sociologist them and exploit the system. If
place for us to live in. If I’m in any came up with this term to refer to the prices for services are fixed
difficulty, feel threatened etc, my how a system is standardized, de- and made publicly visible, then I
first option must be to find a ser- personalized etc. I won’t go into do not have to pay the ‘kalabule’
viceperson, and they must be that whole ‘doctrine’, but I would price an officer has just quoted
‘findable.’ They must have the re- like to propose taking parts of it because I am well-informed. This
sources to show up and help me, and applying it to our institutions, ties in to literacy. How many
rather then tell me to take it easy our ways of doing things etc. people are functionally literate?
with the armed robbers while they Answer lies in education – adult
go find a car to come to my house My rationalization campaign will education for those outside the
and deliver me from robbers. be combined with technology, so formal, educational system. So
that we can ‘modernize’ and refine you see, this rationalization cam-
We need strict enforcement of the the way we do things. Specifically paign is a hodge-podge mix of
law, which means we must educate – we will re-organize our address- many seemingly minor things
citizens about their rights and re- ing system. This ties in to the more that if fixed, will help the system
sponsibilities so that our law en- fundamental issue of land reform to work better. However, one
forcement folks don’t take us for a where we will have to do some must remember that these are
ride. We must know the law, so that serious zoning and re-zoning and only symptomatic of deeper
when I am stopped for driving with- get to a level where we can actually problems that need to be fixed.
out my license, I must know that I track people in our system – where
have 48hours by law, to produce it. people can’t just disappear into thin Okay, so these are my five top
If I know this, and it’s applied air. This will give us confidence in issues that are linked as in a chain
fairly, then I won’t have to pay the our credit/lending systems, reduce
– they will thrive on each other.
bribe when I’m threatened with a fraudsters’ hiding capabilities, help
beating and ‘counter-back.’ I really us to track criminals better, etc. Protectionism in manufacturing
respect the work some of these peo- Rationalization includes centraliza- and processing (regardless of
ple do – out in the hot sun, through tion – record keeping in our public what the world says), agricultural
the night etc, and there’s much to agencies. Why do I have to go to and educational reform, civic
be done to instill pride in what they Accra from Koforidua for my vehi- education going hand-in-hand
do and equip them to be able to cle registration information be- with law .
carry out their duties. cause it is only available in Accra?
If record management is properly
Finally, I’d like to focus on what I done, in a decentralized or even
Page 2

3. Volume 2, Issue 2
enforcement, and finally, rationalization. There are If I were running for president, would you vote for
many other issues – human rights, sanitation, healthcare, me?
etc, but if I were president, these are the top five issues I
would start with, and I tell you, by the time I’m done, About the Author: Dr. Esi Ansah is an Assistant Professor in Ashesi
Ghana will be a better paradise than it already is. To me, University currently teaching Human Resource Management and Nego-
tiations.
it is paradise because of its incredible potential, and I’m
madly in love with Oman Ghana. Yes … I did say
PARADISE!
PS. as usual, this was supposed to be a very, very short
piece, but you know me ... once I get wound up ... ...
Faculty Focus: Nathan Amanquah
In this issue, we spotlight the and grading to a convenient time, A: I have a family of 3; I’m mar-
much-loved Computer Science rather than be glued to a desk all day. ried to a very intelligent, hardwork-
ing chartered accountant who makes
faculty member, athan Aman-
the money, (and I spend some of it.)
quah. He spoke to Sophia Ary- and I have a son also.
eetey in his office recently. Enjoy
SA: What were some of the chal-
lenges you faced growing up?
A: Growing up in an economically
SA: Describe Nathan Amanquah in challenged family meant I did not get
a few words: many of the things I desired, but I
A: Nathan Amanquah. made the most of it and learnt many
Usually of few words, listens a lot, lessons for life. I did not grow up
but can be very expressive when watching TV (so I did not know who
really interested in a subject. SA: What do you value most in this the Station Master was), but spent
life? my afternoons after school looking
SA: Are you doing your dream job? A: My relationship with God, after goats and sheep, while reading
A: Close enough. I derive satis- which can lead to life itself. my textbooks (so I gained a deep
faction in helping others in two knowledge of most subjects I stud-
ways: I like work that makes other ied)
people's lives more comfortable, Growing up, I did not
particularly by solving/ SA: You seem like a very busy per-
troubleshooting problems encoun- get most of the things son; do you ever have any time to
tered (especially of machines). I socialize?
also derive satisfaction in helping I desired, but I made A: Yes, a good bit. I've got many,
others come to an accurate knowl- many friends, and I also spend time
edge and understanding of various the most of it and with my wife.
facts, and i volunteer my time to do
this each month, besides formally learnt many lessons SA: How did you get interested in
lecturing. I like to lecture because computers?
its flexible, it is still a 40 to 45-hour for life A: I liked machines from when I
week, but I can move preparation was small - I wanted to be a pilot,
SA: Tell us about your family? then I got interested in electricity.
When I was in class 7, I heard a lot
Page 3

4. about computers and wanted to become a computer sys- SA: What do you think is the greatest challenge facing
tems analyst. I learnt to use a computer from a software- ICT in Ghana?
based tutor on a Wang computer, along with my dad on A: While there is not a single answer, a combination
weekends. At the end of the tutorial, it said, besides us- of lack of foresight and cost of IT hamper IT develop-
ing applications like Wordstar (a word processing pro- ment in Ghana. The high cost of everything: band-
gram), Supercalc (like excel), you can also instruct the width, equipment, software, hosting charges, technical
PC to do your bidding by programming. So I went off to knowhow (i.e. high charges by less competent IT
the Balme Library at UG to borrow books on the BASIC "experts") etc will slow the uptake and use of ICT. If it
Language. My goal was to address challenges by pro- is cheap enough, IT will be ubiquitous, and the less
gramming. I eventually wrote my first major application educated will learn and make use of it. A lack of fore-
in 1989 to do continuous assessment at a primary school sight in seeing the capabilities and opportunities to be
for my mother who was a teacher. It was in GW- derived from greater use of technology coupled with a
BASIC, and was stored on a cassette (the normal Type I lack of education/understanding in this area have not
audio cassette). During my National service in 1992, I helped much.
wrote a program to manage SSS admissions to PRE-
SEC. That was my first systems administration task, as I
got my colleagues to enter applicant data on different un SA: Considering the tensions that rose during the elec-
-networked computers, and I worked to coordinate and tion period here in Ghana, do you think that this coun-
combine the data from these PCs using a program I try is capable of sustaining peace and hence develop-
wrote. From there I went off to pursue a career in Elec- ment?
tronic and Electrical Engineering. Computing remained A: It’s anyone's guess.
and remains a hobby, and I have taken various jobs in
computing after school. SA: Politics is often said to be solely driven by princi-
ple, values or one’s call to serve however events fol-
lowing the election such as the reluctance on the part
SA: Do you think Africa is contributing to or deriving of political party leaders to throw in the towel has
enough from the World Wide Web? raised doubts concerning the drive for power or the
A: Some countries are, South Africa being a good presidential seat. In your view, would you say that
example. Others like Ghana are laggards in this field. wealth (money) plays a more significant role and not
Ghana does not have a lot of information and data that so much the call to serve, principles or values.
could be accessed online. It would be difficult for one to A: Principles and politics? Some persons are well
search for a pair of shoes online or for someone to file a intentioned, others are not. History teaches us many
tax return online. Companies that have an online pres- lessons in this regard. I hold a view that humans, no
ence (with a few exceptions) tend to have old, outdated, matter their best intentions will not be able to
static pages. This does not encourage return visits. Most “completely” and “satisfactorily” address the problems
firms and some government agencies have no online of today, or indeed the future. Consequently, I do not
presence at all. There is a lack of payment systems for put my trust in any politician.
most African nations, a lack of a trustworthy and effec-
tive mailing system, and a poor addressing system. SA: Any final words for the students of Ashesi?
These have all conspired to slow the adoption of elec- A: Make the best of your time at school. It offers
tronic commerce. Many Africans will continue to visit you the opportunity to explore many fields of endeav-
established western websites for information, and our—even if it does not count towards your GPA, and
"window" shop, until the fundamental barriers to partici- faculty is here to help as long as you wish to learn.
pation in information exchange are addressed. You have all the time, just now (although students
may think otherwise). Make good use of today while
you can.
Keep Your Mind Always Ticking - Continued
output.’ This was his tipping point, and together
parents, who believed the returns he could make in
with his partner and the help of friends in his fa-
Ghana would be negligible as compared to their in-
ther’s garage SoftTribe begun, and so did his jour-
vestments in his education, he saw Ghana as a land
ney to success.
of opportunities and made a run for it.
Touching on how he has been able to survive, ‘…
though he was not sure what he really wanted to do,
you know, it isn’t magic. The opportunities are
to him Ghana was (and still is) a developing country
there, you would have to tune yourself to grab them.
and therefore had many undeveloped areas as com-
…for example when I sit in an airplane and I feel it
pared to the Western world where ‘almost’ every-
move I think to myself, could that have been the
thing had already been developed.
tires? Or maybe the wings? My mind is always tick-
While in Ghana, suddenly, and as if inspired by the
ing.’ He also attributed his success to his ability to
same drive that led Archimedes to cry out 'I have
network. ‘…you should always be up and about!
found it! Eureka!, it dawned on him. ‘… I was a
Don’t close from school to go home lying down in
manufacturing engineer and knew a bit of computer
your little corner with the excuse of fatigue. Go out
programming, so I combined the two and turned my
and make friends….know that people give opportu-
computer into my factory. A factory that just needed
nities to people they like and can trust.’
me as input and produced software for companies as

5. The ARM Pinnacle
The Art of Voluntarism
As a growing young lady, a lot pate in voluntary service. It How has voluntary work
of my contemporaries ask or was a requirement that par- impacted my life? Volun-
wonder… ticipants engage in voluntary tary service, if I may say
Why do you engage in work- community service to enable has made me who I am
ing without pay? Hmm, I one receive a bronze, silver today. In participating in
would say I engage in volun- or gold medal. voluntary service or work,
tary work when I am interested Where did I do my first out- it has exposed me to dif-
in the activity, when I have door voluntary service? I did ferent people from differ-
time to support the activity to that at Achimota Hospital ent backgrounds, different
obtain the optimum level, or during my long vacation. situations, attitudes and
when someone seeks my aid in Initially, I did not believe I beliefs that have enabled
whatever activity it may be. would be able to do it; but me understand some of
So, what is voluntary service after a few weeks of being the experiences I go
or work? Well, from my ex- there, I believed “ I could be through. Voluntary work
perience voluntary work is a doctor without doing sci- has taught me to know the
willingly engaging in an activ- ence”. This was because I kind of person I am. It has
ity without expecting to be learnt how to keep records, exposed me to some of
paid and it is a way to check the temperature, blood my strengths and weak-
help someone or a group level, height and weight of a nesses. It has brought me
of people achieve a posi- patient. into contact with lots of
tive and legal goal. What motivates me to do people, great and small,
What motivates me How did I get interested voluntary work? A smile!!! known and unknown,
to do voluntary in voluntary work? I be- A smile of one who appreci- powerful and not so pow-
work? A smile!!! lieve I began to volunteer ates the service I have of- erful, the elite and non-
at home. My mother al- fered. My ability to help elite. Voluntary service
ways told me to help out someone loosen a challenge has taught me the power
at home. She also encour- and to let people believe that of a positive attitude to-
aged me to help at any there is someone available to wards work and people. It
family gathering irrespective carry a burden off their has taught me to respect
of some of the harsh comments chest. At a particular time, people irrespective of
I received sometimes. As time when I was volunteering at their status in the society.
went on, it became part and the educational advising cen- It has also helped me
parcel of me. I was ready to ter of the USIS library, my solve my own challenges
engage in as many activities supervisor as well as educa- and given me rewards that
that I wanted to join so far as I tional advisor told me that I will forever be mine.
was interested or did not mind was service oriented. One Voluntary service is not
participating in it. There were may wonder, of what impor- all about the network you
some my parents agreed to and tance was this statement? create so do not partici-
there were others I had to con- Well to me this has been the pate in voluntary service
vince them as to why they answer to who I am today. because of what you want
should agree. Joining the Head At least, it gives me one an- to achieve and your per-
of State Award Scheme after swer when I am asked “tell sonal desires because
Junior High School made it me about yourself” in an in- your intentions could be
mandatory for me to partici- terview. revealed when it fails
Page 5 Continued on Page 7

6. Volume 2, Issue 2
Great Expectations...
The elections buzz has all but tor should be looked at criti- Good economic policies! If
subsided, and the new govern- cally. Even though the service there is one thing that Mills’
ment has settled comfortably sector is fast gaining root in government should try to deal
into their new responsibilities. Ghana, the government must with then it is the worsening
Before they get too comfort- generate enough interest and as economic situation in the
able however, Ashesi students well encourage the manufactur- country. I believe the global
air their views, impressions ing sector in this development crunch is affecting every na-
agenda. Avenues should be cre- tion but Ghana can easily sail
and expectations of the man in
ated for fast growth in the Food through. Our economy is less
the Jubilee House and his gov-
processing industry. Private sophisticated and thus pro-
ernment. participation in the emerging vides us with some form of
Interviews by Philip Coffie vegetable processing industry immunity. We are indeed in a
Dzisenu, Class of 2011 should be encouraged to avoid good position to create market
waste in the system with focuses for our produce internally and
Education should be his greatest on exploiting local and the west in our sub-region.
priority. President Mills should African market. It is high time -Julia Adwoa-Amoah Appiah
make education accessible to all we took advantage of our Afri- 2010 MIS
especially to those in the rural can market.
areas. The government should I encourage President Mills to
build more public universities e lim in ate a ll f o rm s o f Truth. Exact solutions to the
and encourage private participa- “quotational leadership”. The most important problems.
tion in tertiary education in hardworking man/woman in the That's all I demand from the
Ghana. background should be recog- new government.
I want to us to build a strong eco- nized. -Melvin Akaba 2011BA
nomic infrastructure with empha- -Christina Elorm Doe 2009 BA
sis on capital investment.
-Sandra Osei-Poku 2011 MIS The traffic situation and indis-
The new government should try cipline on our roads in Accra
as much as possible to live by must be improved. As a for-
Good socio-economic policies their social democratic princi- eigner, I was surprised at the
that will help the country achieve ples and distribute wealth fairly rate at which I see the police
its developmental goals should be among the masses. Favorable take bribes from drivers for
the greatest priority of President conditions for private participa- traffic offenses. The police
Mills’ government. The govern- tion in the economy started by ought be given enough re-
ment should not focus on satisfy- the previous government should fresher courses to boost their
ing the desires of the masses but be sustained. Partnership be- professionalism. The worsen-
should focus on the future. That’s tween foreign contractors and ing economic indicators must
where good developmental poli- their local counterparts should be curtailed. On the average
cies count most. be demonstrated through the though, the new government
- Hanan Yoro Boforo 2010 CS award of government contracts. is doing pretty well.
We need to build faith in the -Omayma Halabi Ahma 2011
local contractor as well. Efforts BA
I believe President Mills has his should be made at creating local
agenda in place but entrepreneur- solutions to local problems.
ship development in the manufac- -Francis Nuertey Tetteh 2012
turing section of the service sec- BA
Page 6

7. Motherland
A poem by Esi Ansah
Voluntarism—Continued
Fullness in the West
African woman, African heritage
and you might be disappointed as well. Horn of the East
Proclaim your greatness
In addition to my ideals of volunteering, this is Northern link, slick wealth
Bridge of adventure
something I read that could help you all who
Southern glory
want to start volunteering after you have read Figure of elegance
this. Motherland of beauty,
Wholeness and perfection
“Why Volunteer? Cradle of innovation
Part of being a great volunteer is loving what
you're doing. Find something that you are pas- As outstanding as the full moon
sionate about or something that inspires you, and Form of grace
Green in abundance, cradle of life
then find a need in your community. There are
Brown in excess, friend and foe
dozens of reasons why you should volunteer - From the Sahara to the Kalahari
you just need to find the one that feels right. Blue here, blue there, source of life
Scarce, yet plentiful
20 Great Reasons to Volunteer Curtain of power, heartbeat of Zimbabwe
Help others Birth of civilization, crescent of life
Make a difference Nile of sustenance, Nile of life
Gold, abundance of wealth
Find purpose
Scattered treasure; found, yet lost
Enjoy a meaningful conversation Ore of variety, ore of new experience
Connect with your community Unity in diversity
Feel involved Healing copper, gift of Lusaka
Contribute to a cause that you care about Zambian pride
Use your skills in a productive way
Develop new skills Shores of pain, shores of joy
Sandy, breezy, coconut trees
Meet new people
Dancing in the African sun
Explore new areas of interest Shores of virgin encounter,
Meet good people Hospitality deceived
Impress yourself Forts of force,
Expand your horizons The Book and the Cross
Get out of the house Paradox of interests
Make new friends
Strengthen your resume Highlands and lowlands
Feel better about yourself Basins of life, basins of nature
Impress your mom Forest-home, animals of skill
Swinging, hopping, climbing, crawling,
Nurturing, living in harmony
This article is dedicated to my mum and to the Serengeti plains, safari spectacle
Ashesi Community Higher and higher,
Children mature
Phoebe Selassie Acolatse, Class of 2011 Sources of joy
High as the Kilimanjaro
Beauty without limits
Potential without cuffs
Beautiful motherland!

8. The ARM Pinnacle
mortgage failure and foreclosures in We are most certainly falling into a
The Global Economic the United States, with major ad- recession, though it does not appear
Recession verse consequences for banks and as obvious. One of the major effects
An ARM Member’s perspective financial markets around the globe. that can face the Ghanaian economy
Consequently, those saving with the is the movement of some immi-
bank were at a loss. This erupted in grants in the U.S to their respective
For the past 10 months or so, unless 2007 exposing the pitfalls in the countries. The families of these
you have been living outside earth financial market and the global fi- people who were dependent on
or perhaps under a rock and have nancial market. these people would now have to
not been affected by any economic The media is taken over by the cur- devise means of satisfying their
forces, you would realize the world rent economic phenomena of sev- own needs. Some socialists blame
is in a scary economic crisis. eral thousand high profile job the entire phenomenon on unre-
Perhaps you have noticed that for losses, forced mergers and bank- strained consumer spending and
the past months, the word depres- ruptcies around the world. Not to capitalism. However, most capital-
sion, recession or meltdown have mention the smaller companies ists I have spoken to or heard them
become very popular among peo- which do not make the news. Con- share their view acknowledges that
ple. It therefore becomes important sequently individuals and some capitalism is under threat and gov-
for us to understand the difference businesses that were previously not ernments such as the U.S have
between recession and depression. bothered about the share value of come up with stimulus packages to
Some people rather believe that companies, exchange rates and even solve this. In effect, these actions
there are principles that distinguish the inflation rate are now paying would help to make capitalism
the two economic indicators: i.e. much closer attention to all these stronger and adaptable.
depression from recession. By The details to know how close they are Discreetly, the American recession
Economist, a standard recession to folding up or losing their credit. is having an indirect effect on the
usually follows a period of tight An interview conducted by the country. This will affect our donor
monetary policy but a depression is BBC with Jeff Ray (C.E.O of Solid- support base. Governments of de-
the result of a bursting asset, credit Works) said the global economic veloped nations are now coming up
bubble and contraction in credit. crisis has made individuals, small to with strategic plans to cut public
Therefore looking at its principles large firms begin surfing over the spending in areas such as foreign
and the causes of the current credit internet to know how the economic aid, security etc. Therefore donors
crunch, it is evident that we are in a downturn is affecting them or how like America, Japan, China, United
state of depression. Therefore we close they are in getting out of mar- Kingdom and others would not be
would be using depression to refer ket. Also, rather surprising he willing and able to give Ghana the
to the current economic times. enlightens businesses of a great needed support.
The American economy has been pool of opportunities in this global Just as businesses and governments
faced with a number of depressions economic. in the developed nations are coming
and recessions, for example is the America has the largest economy in up with the smartest plans to protect
Great Depression in the 1930s the world and therefore it has some their firms and stay afloat through
which was America’s deepest eco- sort of investment in every country this tough economic time, our gov-
nomic meltdown. This current eco- around the world. Consequently, ernment should also tactfully devise
nomic crisis is affecting mostly two these sectors of the country would some strategies to safeguard our
of America’s sectors i.e. the finan- suffer or benefit from the shifts in economy of any future losses.
cial market and the construction its economy, when there is a slight Countries like Iceland, Canada,
industry. However, sectors like edu- change in the determinants of their Japan and China have had their
cation, health, transport and agricul- economy. This can support the share of the global economic down-
ture are not directly affected by the comment by one financial newspa- turn. Sources say two thirds of Ice-
current economic depression. The per that “Just about every country land citizens move from bottom to
underlying cause of the current eco- in the world is somewhat dependent crash.
nomic crisis is banks lending credit on U.S consumers and our ravenous
to unworthy borrowers. The mort- consumption, therefore when we Isaac Bruce, Class of 2012
gage crisis is an ongoing financial are suffering, so is the rest of the
crisis triggered by a dramatic rise in world”.
The ARM Pinnacle Team
● Writers: Isaac Bruce, Joseph Kwame Mamphey, Phoebe Selassie Acolatse
● Interviews: Sophia Aryeteey, Philip Coffie Dzisenu
● Columnists: Kwabena Owusu-Adjei, Dr. Esi Ansah
● Acknowledgements and Special Thanks: Dr. Esi Ansah, Dr. Nathan Amanquah, Hermann Chinery-Hesse, Nii Adjetey Sowah
● Editor: Nii Ayertei Tettey