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Gender Access to Credit Under Ghana's Financial Sectory Reform: A Case Study of Two Rural Banks in the Central Region of Ghana
by ILO (International Labour Office) in 2001
World Region: Africa
The paper investigates the influence of financial sector reforms (FSR) on gender accessibility to credit, in Ghana. It studies gender- specific issues in the light of the credit operations of two rural banks - Brakwa-Breman and Kakum - in central Ghana. The paper further makes recommendations to specific stakeholders of the Ghanaian financial sector. On the basis of both secondary as well as survey data, the paper reveals that the FSR have made significant impact on gender access to credit. However, not all credit beneficiaries depend on the banks for loans. The paper thus concludes that even though the reforms do not specifically address gender accessibility to credit, they have facilitated the process to strengthen poor women's access to credit via the introduction of new banking products.