Factors That Affect the Demand Housing Finance Choice of Public Sector Workers in Ghana: The Effect of Position Held

10 www.wjrr.orgare now moving away from loans and Advances to liquid investment in safe government securities.Banks liquid assets increase from 29.3% in 2016 to 48.3% in 2020, nearly twenty percentage point.In 2016 net loans and advances dropped from 40.4% to 30.7% in 2020.A ten percentage point in just 4 years.This is significant and if the current trend is not checked it could lead to drying of funds in the housing mortgage sector.See Table 1.0 Table: 1.0 Composition of industry Bank operating assets, Ghana 2016 2017 2018 2019 2020 CashAssets 29.7% 27.5% 24.6% 21.6% 20.8% Mixed MethodUsually, there are three types of research methodology quantitative, qualitative, and mixed methods.Quantitative is data driven while qualitative is driven by observation and interviews.Mixed methods uses a mixture of both.Social science relies heavily on qualitative driven data analyses but could use a combination of both quantitative and qualitative