Ghana
BRAC began its journey in Ghana in 2023. We launched our seventh microfinance entity, BRAC Ghana Savings and Loans Ltd. Its mission is to provide financial services to people who are excluded from mainstream banking services—especially women and youth living in poverty in rural and hard-to-reach areas.
Ghana is a country of more than 35 million people. It was the first sub-Saharan country to gain independence from colonial rule. Today, it is one of the most stable democracies on the African continent. Yet, three out of five adults do not have access to formal financial services. People living in poverty, women, and those in rural areas are further excluded, facing additional barriers to borrow and save money and build sustainable livelihoods. We work with individuals to build financial resilience and help them unlock their entrepreneurial potential.
our impact
5,742
individuals borrowing money
12
BRAC Ghana Savings and Loans Ltd branches
98%
of microfinance clients are women
If women are given access to capital, if women are trained, if they are taught to keep proper records, I think we will move very far.”
Osei Gyasi Director, Banking Supervision Department, Bank of Ghana
Our Stories
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How Christiana invested in her shop—and her family’s future
Christiana is a petty trader from Nyanyano, Ghana. She received a loan from BRAC Ghana Savings and Loans Ltd and used it to stock her shop with popular items. They sold quickly, and she continued to grow her business. Now, Christiana contributes to a savings account each month to prepare for her family’s future.
I am saving 200 cedis with BRAC every month for my family’s future." -Christiana
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Patience turned a loan into lasting impact for her kids and business
Patience sells plastic products and knives in Kokrobite, Ghana. She became a client of BRAC Ghana Savings and Loans Ltd and received a loan. Patience used it to invest in her children’s future, sending them to school. She also used it to expand her business.
I’ll be able to pay for my children’s school fees and ensure they keep learning. I will also be able to grow my business.” -Patience
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Gladys reopened her store—and reclaimed her confidence
Gladys is a mother of five and dreamed of running her own business. After her fufu business had to close, she was without income for four years. Then, with a loan from BRAC Ghana Savings and Loans Ltd, she bought a freezer, restocked her shop, and started selling frozen foods in her community. Now, she’s saving money, paying her children’s school fees, and scaling her business.
I want to teach other women how to use their loans wisely. Even if it’s small, save. Start. Don’t wait." -Gladys
Our work
Ghana
Ghana is known for its beautiful sandy beaches and cultural diversity, with more than 70 native ethnic groups. It is the world’s second-largest producer of cocoa, and agriculture is a vital part of the country’s economy.
Yet, 39% of people in Ghana live in extreme poverty, surviving on less than $3 per day. Many struggle to access education and healthcare. The unemployment rate is high, especially among youth. With the right support and opportunities, individuals and communities across Ghana can forge a pathway out of poverty.
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