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Analysis

The local market: With refinery capacity limited, imports are needed to meet demand
OBG
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While the government has been exporting its share of the country’s oil, demand at home continues to increase. With erratic and restricted refinery capacity hampering delivery to the domestic market, the cost of meeting this demand is becoming an increasing burden. FACTS & FIGURES: According to figures from the Bank of Ghana, the cost of the country’s petroleum imports have been rising…

Analysis

A network education: The private sector is providing the hardware for the government’s ICT training initiatives
OBG
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The Ghanaian government is running a range of programmes aimed at enabling and teaching locals to use computer services and work in the IT sector. These include various training initiatives, as well as the distribution of computers to educational institutions and students under the Better Ghana Agenda, a development initiative of the ruling NDP government. Partly as a result of such initiatives,…

Analysis

Mobile liquidity: Providing financial services to underserved rural markets
OBG
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The growth of mobile financial services in Africa is having an undeniable impact across the continent, and Ghana is no exception. The ability to transfer money via mobile phones enables migrants who have moved to urban centres for work to send remittances to relatives still living in remote rural areas absent of any sort of bank or financial institution. In a region where mobile technology is far…

Analysis

Modernising communications: The development of e-governance begins to take shape
OBG
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The proliferation of the digital medium in Ghana has seen some surprising leaps and bounds in recent years. Although the traditional evolution from fixed-line phone services to fixed-line internet and broadband service has not occurred, a growing number of Ghanaians access the internet through mobile links. As a result, the private sector has begun to take increasingly aggressive steps to leverage…

Analysis

Taking care of mums: Making strides to reduce maternal mortality
OBG
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Although the country may not succeed in reaching its fifth Millennium Development Goal (MDG) of reducing its maternal mortality ratio (MMR) to 185 per 100,000 live births, Ghana has nonetheless made noteworthy strides in improving maternal health over the last 15 years. Indeed, between 1990 and 2007, the MMR has fallen from 740 per 100,000 live births to 451 per 100,000 live births, according to…

Analysis

War of attrition: Six mobile operators make for a highly competitive market
OBG
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Now entering its 20th year, the Ghanaian mobile market has evolved into one of the most developed in sub-Saharan Africa. The country has six telecoms operators all vying for the custom of the country’s 24.9m inhabitants. Falling tariffs, improved coverage and the consistently timed roll-out of new products have resulted from the increased competition and have proved highly beneficial to consumers…

Overview

From past to present: Leveraging strengths to move forward
OBG
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Having gained independence from the British in 1957, Ghana has made dynamic progress over the past 50 years. Nestled between Burkina Faso, Côte d’Ivoire and Togo, the country is known to be one of the friendliest and safest in the region. Political and economic stability are hallmarks of the country, helping to attract people and businesses alike. Gold and cocoa have historically dominated…

Overview

Expansion in sight: Deposits and lending continue to grow while regulatory standards are being tightened
OBG
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With a sizable group of actors Ghana has an impressively developed financial infrastructure. However, capacity tends to be fragmented as a result, and broader integration of the population into formal financial markets is slow. This is largely due to the opaque nature of credit and high interest rates. A relatively large number of banks are active in the Ghanaian banking sector, though the universal…

Overview

Keep calm and carry on: A strong and stable democracy has been built over the years
OBG
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In many ways, Ghana’s political scene is one of its most recognisable defining features. Descriptions of the country, including this report, often stress the fact that Ghana, in contrast to many of its neighbours, has had two decades of stable democracy, with free and open elections, comparatively low levels of corruption and a lack of broader social instability. This, combined with rapid…

Overview

New potential: Looking to other industries to ensure sustainable expansion
OBG
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Buoyed by the onset of oil production and accompanying capital inflows at end-2010, Ghana’s economy grew faster than any other in the world in 2011, and while the pace looks set to moderate somewhat on the back of reduced export demand and more modest commodity revenues, its upward trajectory continues. The economy has transformed significantly from only a few years ago, shaped not only by…