Microcredit in Ghana - preview
Jennifer Kavanagh and Isebail Mackinnon went to Ghana to start a microcredit scheme for the villagers of Gyetiase. Here’s how they did it
When we arrived in Ashanti, we were told that microcredit had been tried and it hadn’t worked In South Africa, even the regulating body said that they were astonished at our programme – they had never heard of anything like it This shows how little people understand of the term, and how much it has been distorted: from loans given on an ad hoc basis with little expectation of repayment to highly structured loans of thousands of pounds for small businesses Concentrating on complete sustainability has pushed many projects away from the original target of the poorest of the poor But, despite its unattractive name, microcredit is not primarily about money but about trust and community Small loans, yes, but a process in which women encourage each other’s innate skills to improve their living standards The women on our programme gave it the name of Yen Daakye (‘Our Future’)
Jennifer Kavanagh and Isebail Mackinnon
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