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The restructuring of the financial market facilitated the creation and growth of the bond market in Ghana. The bond market has improved since the first trading of Ghana Stock Exchange (GSE) commemorative registered stock in 1990. These bonds were five-year debt instruments issued to provide a foundation for active bond trading on the newly...

Even amid the low global oil price environment, Ghana’s energy sector continues to evolve in a positive fashion, with deregulation implemented in the downstream sector and two new oil and gas fields coming on-line. The long-awaited benefits of the country’s oil and gas reserves are also beginning to be felt by the power sector, with the...

Established in 2004, the National Health Insurance Scheme (NHIS) was Ghana’s first step towards a sustainable system of universal health care. In order to provide a social safety net for the most vulnerable segments of the population, the scheme initially targeted lower-income residents, with the intention of expanding coverage to the entire...

The pension market in Ghana traces its roots to the post-independence Compulsory Savings Scheme of the early 1960s, which was the country’s first nationwide pension scheme. Following several amendments to the system, a 1972 decree created the Social Security and National Insurance Trust (SSNIT), which was charged with the administration of the...

The large number of insurers in Ghana – and the high level of fragmentation at the lower end of the market – has led to intense competition and a history of rate-cutting, which has often softened margins and led to higher expenses. This in turn led to a situation where a number of firms were unable to quickly settle legitimate claims,...

The restructuring of the financial sector resulted in the creation of the financial market in Ghana. The market is made up of equity, bond, foreign exchange and derivative markets, with the money market dominating the financial markets.