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|Title: ||Evaluation of public financial assistance policy for small scale enterprises in Ghana|
|Authors: ||Owusu-Ansah, Debrah|
|Issue Date: ||22-Feb-1999|
|Series/Report no.: ||2655;|
|Abstract: ||The enormous potential of the small scale enterprises (SSEs) in diversifying the economy and absorbing the huge unemployed Ghanaians have been recognizes. Nonetheless, these are numerous challenges confronting the SSEs. Among these challenges are the lack of access to credit, competition from the large scale enterprises, the liberalized economy, difficulty in access to advisory service and access to research finding. The access to financial assistance has been singled out as the most formidable challenge. In solving or at least ameliorating the problem, the government has established a number of credit lines for the sub-sector and the study attempted to evaluate the policy documents and the performance of the credit lines.
The credit lines studied are the PAMSCAD credit line for Small Scale Enterprises, the Revolving Fund Loan Scheme and the Business Assistance Fund.
The analysis is carried out by using data from the offices of the National Board for Small Scale Industries (NBSSI) in Accra and Kumasi as well as primary data collected from 70 entrepreneurs in the Ashanti Region. The major findings of the research among other things include a static policy document, a rather small loan size, not encouraging repayment performance and skewness of loan disbursement to the enterprises located in the Kumasi Metropolis.
In an effort to solve the problems identified, it is recommended that the financial assistance policies for the SSEs should reflect the general macroeconomic situation of the economy and the use of existing norms and practices of Ghanaians as a social collateral to enhance loan recovery.|
|Description: ||A thesis submitted to the Board of Postgraduate Studies, Kwame Nkrumah University of Science and Technology, Kumasi, in partial fulfilment of the requirement for the award of the Degree of Master of Science in Development Policy and Planning, 1999|
|Appears in Collections:||College of Architecture and Planning|
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