Remittances and Ghana’s Economy: Consumption, Enterprise and Foreign Exchange

Explores how remittances reach Ghanaian households, support housing and enterprise, and enter foreign-exchange markets. The report combines dated flow records, household studies and transfer-cost comparisons with conditional funding scenarios, separating amounts received, spending decisions and settlement timing from claims about national economic effects.

118 pages · 2.03 MB · English

About this report

Author: Dr. Felix Larry Essilfie
Publisher: Institute of Development and Economic Research (IDER)
Publication date: September 2026
Evidence cut-off: 2026-09-25
Reference period: Dated evidence: 1991/92–August 2025; scenarios: household / project / settlement.
Series: IDER’s Ghana Macroeconomic Policy and Business Intelligence Briefings

What the report covers

Remittance definitions, formal-channel measurement, transfer costs and household purchasing power.
Published household expenditure evidence and conditional housing and enterprise funding tests.
Origination, beneficiary payout and foreign-exchange settlement, with identification and implementation guidance.

Read the evidence in context

No new nationally representative causal estimate or national multiplier is claimed. Historical evidence retains its original dates; August 2025 UK–Ghana tariffs are neither current nor transaction-weighted prices.

The report’s original source definitions, assumptions and limitations govern its interpretation. References to other institutions do not imply their endorsement.

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