Why Most Ghanaians Still Don’t Buy Insurance – The Trust Deficit, Affordability Gap and the Slow Digital Fix
Ghana’s insurance penetration has been stuck at 1% for years – well below the West African average. Our deep‑dive analysis…
FINANCE
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The Business of Motor Insurance in Ghana Explained — The Third‑Party Mandate, Claim Delays and the Digital Middleman
Mandatory motor insurance drives GH¢8–10m daily claims, yet undercutting and fraud persist. Our deep‑dive analysis reveals the economics of third‑party…
Why Health Insurance Companies Are Expanding Aggressively — The 370% Industry Surge, NHIS Gaps, and the Employer-Based Gold Rush
The private health insurance sector has delivered a 375% gain, with revenue reaching GH¢2bn. Our deep‑dive analysis reveals the NHIS…
Inside Ghana’s Mobile Money Economy: Who Really Profits? — Revenue Flows, Agent Struggles and the Battle for Digital Finance
Inside Ghana’s Mobile Money Economy: Who Really Profits? —GH¢4.1 trillion in mobile money transactions, but who captures the value? Our…
Why SME Loans in Ghana Remain Expensive: The Real Cost of Credit for Small Businesses
Average lending rates have fallen to 19.2%, yet SMEs still face a US$4.8bn financing gap. Our deep-dive analysis reveals six…
Who Wins in Ghana’s Digital Banking Boom? The Battle Between Telcos, Banks and Fintechs
GH¢493bn in monthly mobile transactions, but who profits? Our deep-dive analysis reveals GhanaPay vs MTN MoMo, open banking, cybersecurity directives…
Why Ghana’s Cedi Stability Matters More Than Most Businesses Think: Import Costs, Borrowing Spreads and the Real Price of a Weak Currency
The cedi has depreciated 8.4% in 2026 after a 40% gain in 2025. Our deep-dive analysis reveals how currency movements…
Why Treasury Bills Became Ghana’s Hottest Investment Again — The Extraordinary Journey From 35% to 4% and Back
Why Treasury Bills Became Ghana’s Hottest Investment Again — T-bill yields collapsed from 35% to 4.91% — yet investors are…
Why Banks in Ghana Are Quietly Changing Their Lending Strategy: The End of T-Bill Reliance and the Return to Private Sector Credit
Why Banks in Ghana Are Quietly Changing Their Lending Strategy – T-bill yields collapsed from 35% to 4.91%, forcing Ghana’s banks…
How Mobile Money Agents Make Money in Ghana
Float, friction, and the invisible backbone of Ghana’s digital economy QUICK FACTS BOX Category Details Industry Mobile money agency /…
