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Report | The Report: Ghana 2022

As Africa’s largest gold miner and the world’s second-largest cocoa producer, Ghana has witnessed steady growth in recent years. While the country was impacted by the Covid-19 pandemic, it navigated the crisis better than many of its income-level peers, in large part thanks to measures aimed at boosting public revenue. Ghana aims to improve its fiscal deficit in 2022 to 7.4% of GDP.

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Chapter | Legal Framework2 from The Report: Ghana 2022

This chapter introduces the reader to the different aspects of the legal system in Ghana in partnership with B&P Associates. It also contains a viewpoint with Adelaide Benneh Prempeh, Founder, B&P Associates.

Chapter | Industry & Retail2 from The Report: Ghana 2022

Industry has been a significant source of economic growth for Ghana in recent years, a trend that continued despite the Covid-19 pandemic. While in the past industrial development has been tied to resource endowments such as cocoa, mining and crude oil, diversification of the industrial sector has been a priority of the government since 2017, with a series of fiscal measures aimed at tackling structural challenges. Similarly, Ghana’s retail sector has expanded in recent years, bolstered by rising living standards and lower levels of unemployment. This trend continued into 2021, despite a modest slowdown in response to the pandemic when social-distancing measures resulted in falling foot traffic in shopping venues. Overall, the continued expansion of e-commerce has the potential to support the country’s long-term economic recovery. This chapter contains interviews with Hayssam Fakhry, Managing Director, Interplast; and Ramesh Sadhwani, Co-CEO, Melcom.

Chapter | Insurance5 from The Report: Ghana 2022

Ghana is well positioned to develop its insurance sector. According to a 2021 survey conducted by the UN Development Programme, around 70% of Ghanaians do not have access to insurance of any kind, and many of the products available in the market do not respond to the needs of the population. Even so, the sector’s value grew 10-fold between 2011 and 2021. The market has been able to expand its breadth through the introduction of micro-insurance and the digitalisation of services. Moreover, the authorities have worked to overhaul insurance-related legislation through the Insurance Act 2021, which aims to modernise the sector and increase penetration. Much depends on the rollout of reforms implemented in recent years, as well as the sector’s ability to adapt to Ghanaians’ specific needs. This chapter contains an interview with Justice Yaw Ofori, Commissioner, National Insurance Commission.

Chapter | Tax from The Report: Ghana 2022

In conjunction with PwC, this chapter explores the taxation system and Ghana’s efforts to build an investor-friendly environment. It also contains an interview with Vish Ashiagbor, Country Senior Partner, PwC Ghana.

Chapter | Health & Education from The Report: Ghana 2022

Ghana’s health sector has made significant progress over the last two decades, with access and insurance coverage growing since the introduction of the National Health Insurance Scheme. The Covid-19 pandemic exposed some long-standing weaknesses in the system, most notably the lack of hospitals and larger medical centres outside big cities. But the pandemic also pushed Ghana to forge ahead with digitalisation efforts, improving online access to medical services and digitalising records. Digitalisation is also on the rise in the education sector, notably with the government’s Education Strategic Plan 2018-30, supported by high public spending on education. Greater oversight and reporting by new government institutions and accreditation boards are expected to improve the quality of schooling at all levels, as well as support crucial areas such as science, technology, engineering and mathematics. This chapter contains an interview with Delese Mimi Darko, CEO, Food and Drugs Authority.

Chapter | Tourism from The Report: Ghana 2022

As the third-largest contributor to GDP and a recipient of increasing levels of foreign investment each year, tourism is an important driver of economic growth in Ghana. International arrivals reached 411,000 in the first nine months of 2021, outpacing the 355,000 arrivals seen in 2020 – hinting at a recovery from the pandemic. The country also has the potential to boost its domestic tourism – as well as to develop niche tourism segments such as surfing and other water sports – by leveraging interest in its more well-known historical sites, national parks and wildlife reserves. Taken together, these efforts are expected to help the West African county attract a diverse demographic of visitors in the coming years. This chapter contains an interview with Akwasi Agyeman, CEO, Ghana Tourism Authority.

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