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Assessing African Microfinance: An Exploratory Case Study of Ghana's Central Region

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  • Bernd Reiter
  • James Atta Peprah

Abstract

This article presents the findings from a 5‐week exploratory research project on microfinance in Ghana. The aim of this project was to develop initial hypotheses that can be tested in a follow‐up systematic research project. Our preliminary findings are that informality is a major roadblock to successful lending that lenders redirect loans to other, nonexplicit needs and wants thus indicating a different set of priorities than the lenders and that the most successful component of microfinance is not lending but saving. We also found that gender and religion constitute important factors interfering with and potentially distorting successful microfinance practices. Copyright © 2015 John Wiley & Sons, Ltd.

Suggested Citation

  • Bernd Reiter & James Atta Peprah, 2015. "Assessing African Microfinance: An Exploratory Case Study of Ghana's Central Region," Journal of International Development, John Wiley & Sons, Ltd., vol. 27(7), pages 1337-1342, October.
    • Handle: RePEc:wly:jintdv:v:27:y:2015:i:7:p:1337-1342
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    Cited by:

    1. Wei Xu & Hongyong Fu & Huanpeng Liu, 2019. "Evaluating the Sustainability of Microfinance Institutions Considering Macro-Environmental Factors: A Cross-Country Study," Sustainability, MDPI, vol. 11(21), pages 1-22, October.
    2. Isaac Koomson & Abdallah Abdul-Mumuni & Anthony Abbam, 2021. "Effect of financial inclusion on out-of-pocket health expenditure: empirics from Ghana," The European Journal of Health Economics, Springer;Deutsche Gesellschaft für Gesundheitsökonomie (DGGÖ), vol. 22(9), pages 1411-1425, December.
    3. Simplice A. Asongu & Amarachi O. Ogbonna & Mariette C. N. Mete, 2024. "Marriage as an argument for energy poverty reduction: the moderating role of financial inclusion," Working Papers 24/031, European Xtramile Centre of African Studies (EXCAS).
    4. Simplice A. Asongu & Nicholas M. Odhiambo, 2023. "The role of financial inclusion in moderating the incidence of entrepreneurship on energy poverty in Ghana," Working Papers of the African Governance and Development Institute. 23/035, African Governance and Development Institute..
    5. Isaac Koomson & Renato A. Villano & David Hadley, 2020. "Effect of Financial Inclusion on Poverty and Vulnerability to Poverty: Evidence Using a Multidimensional Measure of Financial Inclusion," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 149(2), pages 613-639, June.
    6. Koomson, Isaac & Danquah, Michael, 2021. "Financial inclusion and energy poverty: Empirical evidence from Ghana," Energy Economics, Elsevier, vol. 94(C).

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