Financing SMEs in Ghana: evidence of the optimal credit guarantee ratio
by Sun Wubin; Jafaro Arthur; Emmanuel Kwesi Agyapong
International Journal of Trade and Global Markets (IJTGM), Vol. 15, No. 1, 2022

Abstract: Inadequate access to finance by small and medium scale enterprises (SMEs) in Ghana prevents SMEs from thriving and making impact in the global market. Therefore, it is essential to adopt a financial strategy to provide SMEs with adequate and stable finance. This research adopted a theoretical model and an empirical analysis to calculate for the optimal credit guarantee ratio that government should provide to support SMEs in Ghana. The results show that optimal credit guarantee ratios vary from each bank or group of banks based on their healthiness which ensures efficiency and stability of lending to SMEs.

Online publication date: Wed, 16-Feb-2022

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