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Financing SMEs in Ghana: evidence of the optimal credit guarantee ratio

Author

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  • Sun Wubin
  • Jafaro Arthur
  • Emmanuel Kwesi Agyapong

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.

Suggested Citation

  • Sun Wubin & Jafaro Arthur & Emmanuel Kwesi Agyapong, 2022. "Financing SMEs in Ghana: evidence of the optimal credit guarantee ratio," International Journal of Trade and Global Markets, Inderscience Enterprises Ltd, vol. 15(1), pages 88-95.
    • Handle: RePEc:ids:ijtrgm:v:15:y:2022:i:1:p:88-95
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    Cited by:

    1. Emmanuel Bruce & Zhao Shurong & Du Ying & Meng Yaqi & John Amoah & Sulemana Bankuoru Egala, 2023. "The Effect of Digital Marketing Adoption on SMEs Sustainable Growth: Empirical Evidence from Ghana," Sustainability, MDPI, vol. 15(6), pages 1-24, March.

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