Who Receives Ghana’s Bank Credit? Sectoral Allocation and Enterprise Access

Maps sectoral credit balances, inflation-adjusted growth and enterprise access to finance. The briefing connects allocation diagnostics with measurement choices, sensitivity analysis and separately attributed experimental evidence.

82 pages · 1.41 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: 2026-09-20
Reference period: Credit stocks: end-June 2024, 2025 and 2026. Enterprise survey fieldwork: February 2023–February 2024.
Series: IDER’s Ghana Macroeconomic Policy and Business Intelligence Briefings

Read the evidence in context

Outstanding credit balances do not measure new disbursements or the probability that an individual enterprise can borrow; accounting decompositions are not causal policy effects.

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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