{"id":3560,"date":"2026-06-15T00:16:25","date_gmt":"2026-06-15T00:16:25","guid":{"rendered":"https:\/\/rendergh.net\/?p=3560"},"modified":"2026-06-15T00:16:25","modified_gmt":"2026-06-15T00:16:25","slug":"for-all-university-students","status":"publish","type":"post","link":"https:\/\/rendergh.net\/fr\/for-all-university-students\/","title":{"rendered":"For All University Students Over the past five years, Development Bank Ghana (DBG) Ltd., a long-term lending facilitator, has directed GH\u00a22.5 billion in long-term financing to businesses through 21 partner financial institutions, easing banks’ customary reluctance to fund long-term initiatives.<\/p>\n

Micro, small, and medium-sized businesses (MSMEs), a sector frequently limited by the short-term funding preferences of commercial banks, now have more access to patient capital thanks to the intervention.<\/p>\n

Professor Randolf Nsor-Ambala, the CEO of DBG, told the Daily Graphic last Thursday that the bank’s wholesale financing model had made it possible for companies in a variety of industries, including manufacturing, agribusiness, health care, education, tourism, and information technology, to obtain longer-tenor funding.<\/p>\n

In addition to technical support, environmental, sustainability, and governance (ESG) consulting, and the 30 percent<\/p>\n

 <\/p>\n

The Development Bank of Ghana (DBG) Ltd, a\u00a0long<\/span>–term<\/span>\u00a0lending<\/span>\u00a0facilitator<\/span>, has\u00a0provided<\/span>\u00a0GH\u00c2\u00a22.5 billion in\u00a0long<\/span>–term<\/span>\u00a0financing<\/span>\u00a0to\u00a0businesses<\/span>\u00a0through 21\u00a0participating<\/span>\u00a0financial<\/span>\u00a0institutions<\/span>\u00a0over the\u00a0past<\/span>\u00a0five\u00a0years<\/span>.<\/span>\u00a0This\u00a0initiative<\/span>\u00a0has\u00a0helped<\/span>\u00a0reduce<\/span>\u00a0the\u00a0reluctance<\/span>\u00a0of\u00a0traditional<\/span>\u00a0banks<\/span>\u00a0to\u00a0fund<\/span>\u00a0long<\/span>–term<\/span>\u00a0investments<\/span>.<\/span><\/p>\n

The\u00a0program<\/span>\u00a0has\u00a0improved<\/span>\u00a0access<\/span>\u00a0to\u00a0patient<\/span>\u00a0capital<\/span>\u00a0for\u00a0micro<\/span>,\u00a0small<\/span>, and\u00a0medium<\/span>–sized<\/span>\u00a0enterprises<\/span>\u00a0(MSMEs<\/span>), which\u00a0typically<\/span>\u00a0face<\/span>\u00a0limitations<\/span>\u00a0due to the\u00a0short<\/span>–term<\/span>\u00a0funding<\/span>\u00a0focus<\/span>\u00a0of\u00a0commercial<\/span>\u00a0banks<\/span>.<\/span><\/p>\n

During a\u00a0visit<\/span>\u00a0to the Daily Graphic\u00a0last<\/span>\u00a0Thursday, DBG\u2019s Chief Executive Officer, Professor Randolf Nsor-Ambala,\u00a0stated<\/span>\u00a0that the\u00a0bank<\/span>‘s\u00a0wholesale<\/span>\u00a0financing<\/span>\u00a0model<\/span>\u00a0has\u00a0enabled<\/span>\u00a0businesses<\/span>\u00a0in\u00a0various<\/span>\u00a0sectors<\/span>\u00a0such<\/span>\u00a0as\u00a0manufacturing<\/span>,\u00a0agribusiness<\/span>,\u00a0healthcare<\/span>,\u00a0education<\/span>,\u00a0tourism<\/span>, and\u00a0information<\/span>\u00a0technology<\/span>\u00a0to\u00a0secure<\/span>\u00a0longer<\/span>–term<\/span>\u00a0funding<\/span>.<\/span><\/p>\n

He\u00a0explained<\/span>\u00a0that the\u00a0development<\/span>\u00a0bank<\/span>‘s\u00a0impact<\/span>,\u00a0combined<\/span>\u00a0with\u00a0technical<\/span>\u00a0assistance<\/span>, ESG\u00a0advisory<\/span>\u00a0services<\/span>, and the 30%\u00a0counterpart<\/span>\u00a0funding<\/span>\u00a0by the 21\u00a0participating<\/span>\u00a0financial<\/span>\u00a0institutions<\/span>\u00a0(PFIs<\/span>), was\u00a0estimated<\/span>\u00a0at GH\u00c2\u00a25 billion over the\u00a0last<\/span>\u00a0five\u00a0years<\/span>.<\/span><\/p>\n

In\u00a0collaboration<\/span>\u00a0with\u00a0PFIs<\/span>\u00a0that\u00a0undergo<\/span>\u00a0a\u00a0thorough<\/span>\u00a0onboarding<\/span>\u00a0process<\/span>, DBG has\u00a0also<\/span>\u00a0gained<\/span>\u00a0the\u00a0trust<\/span>\u00a0and\u00a0cooperation<\/span>\u00a0of\u00a0international<\/span>\u00a0development<\/span>\u00a0financial<\/span>\u00a0institutions<\/span>\u00a0and\u00a0organizations<\/span>.<\/span>
\nThis has\u00a0led<\/span>\u00a0to\u00a0increased<\/span>\u00a0long<\/span>–term<\/span>\u00a0funds<\/span>\u00a0being\u00a0directed<\/span>\u00a0to\u00a0Ghanaian<\/span>\u00a0financial<\/span>\u00a0institutions<\/span>\u00a0for\u00a0further<\/span>\u00a0lending<\/span>\u00a0to the\u00a0business<\/span>\u00a0community<\/span>.<\/span><\/p>\n

Prof.\"\"<\/a> Nsor-Ambala\u00a0told<\/span>\u00a0the Daily Graphic that\u00a0working<\/span>\u00a0with\u00a0PFIs<\/span>\u00a0of\u00a0various<\/span>\u00a0types<\/span>,\u00a0including<\/span>\u00a0universal<\/span>\u00a0and\u00a0community<\/span>\u00a0banks<\/span>,\u00a0savings<\/span>\u00a0and\u00a0loans<\/span>, and\u00a0microfinance<\/span>\u00a0institutions<\/span>, DBG, through its\u00a0unique<\/span>\u00a0development<\/span>\u00a0financing<\/span>\u00a0model<\/span>, has\u00a0directly<\/span>\u00a0channeled<\/span>\u00a0long<\/span>–term<\/span>\u00a0capital<\/span>\u00a0to\u00a0businesses<\/span>\u00a0of\u00a0different<\/span>\u00a0sizes<\/span>\u00a0in\u00a0manufacturing<\/span>,\u00a0agriculture<\/span>, and\u00a0agribusiness<\/span>,\u00a0as<\/span>\u00a0well<\/span>\u00a0as<\/span>\u00a0high<\/span>–value<\/span>\u00a0service<\/span>\u00a0sectors<\/span>\u00a0like ICT,\u00a0education<\/span>,\u00a0health<\/span>,\u00a0tourism<\/span>, and\u00a0transportation<\/span>.<\/span><\/p>\n

He\u00a0emphasized<\/span>\u00a0that being\u00a0licensed<\/span>\u00a0by the Bank of Ghana does not\u00a0automatically<\/span>\u00a0grant<\/span>\u00a0access<\/span>\u00a0to DBG’s\u00a0facilities<\/span>.<\/span>
\nInstead<\/span>, the\u00a0bank<\/span>\u00a0has<\/span>\u00a0a\u00a0strong<\/span>\u00a0risk<\/span>\u00a0evaluation<\/span>\u00a0structure<\/span>\u00a0that\u00a0assesses<\/span>\u00a0PFIs<\/span>\u00a0and\u00a0continues<\/span>\u00a0to\u00a0monitor<\/span>\u00a0them\u00a0annually<\/span>\u00a0to\u00a0ensure<\/span>\u00a0they\u00a0adhere<\/span>\u00a0to\u00a0agreements<\/span>.<\/span><\/p>\n

Prof. Nsor-Ambala\u00a0highlighted<\/span>\u00a0the\u00a0robust<\/span>\u00a0onboarding<\/span>\u00a0structure<\/span>\u00a0and\u00a0well<\/span>–established<\/span>\u00a0monitoring<\/span>\u00a0system<\/span>, which\u00a0allow<\/span>\u00a0the\u00a0bank<\/span>\u00a0to\u00a0maintain<\/span>\u00a0its\u00a0mandate<\/span>\u00a0without\u00a0financial<\/span>\u00a0loss<\/span>.<\/span>
\nDBG\u00a0secures<\/span>\u00a0long<\/span>–term<\/span>\u00a0funding<\/span>\u00a0at\u00a0heavily<\/span>\u00a0discounted<\/span>\u00a0rates<\/span>\u00a0from\u00a0partners<\/span>\u00a0such<\/span>\u00a0as the World Bank, African Development Bank, the European Investment Bank, and KFW, the German Development Bank.<\/span>\u00a0It\u00a0then<\/span>\u00a0provides<\/span>\u00a0long- to\u00a0medium<\/span>–term<\/span>\u00a0financing<\/span>\u00a0to\u00a0PFIs<\/span>\u00a0for\u00a0onward<\/span>\u00a0lending<\/span>\u00a0to\u00a0MSMEs<\/span>\u00a0and\u00a0small<\/span>\u00a0corporates<\/span>\u00a0nationwide<\/span>.<\/span><\/p>\n

The\u00a0financing<\/span>\u00a0facilities<\/span>\u00a0range<\/span>\u00a0from GH\u00c2\u00a250,000 to $1 million, with\u00a0interest<\/span>\u00a0rates<\/span>\u00a0between 8% and 10%, and are\u00a0committed<\/span>\u00a0for the\u00a0long<\/span>\u00a0term<\/span>.<\/span>
\nSince its\u00a0launch<\/span>\u00a0five\u00a0years<\/span>\u00a0ago<\/span>, DBG has not\u00a0declined<\/span>\u00a0any\u00a0funding<\/span>\u00a0request<\/span>\u00a0due to a\u00a0lack<\/span>\u00a0of\u00a0availability<\/span>.<\/span><\/p>\n

The\u00a0CEO<\/span>\u00a0also<\/span>\u00a0mentioned<\/span>\u00a0that the\u00a0bank<\/span>\u00a0prioritizes<\/span>\u00a0women<\/span>–led<\/span>\u00a0and\u00a0youth<\/span>–led<\/span>\u00a0businesses<\/span>.<\/span>
\nAs of\u00a0last<\/span>\u00a0year<\/span>,\u00a0around<\/span>\u00a065% of the\u00a0bank<\/span>‘s\u00a0portfolio<\/span>\u00a0was\u00a0invested<\/span>\u00a0in\u00a0manufacturing<\/span>\u00a0and\u00a0agribusiness<\/span>.<\/span><\/p>\n

Prof. Nsor-Ambala\u00a0noted<\/span>\u00a0that DBG has\u00a0successfully<\/span>\u00a0created<\/span>\u00a0an\u00a0ecosystem<\/span>\u00a0that\u00a0demonstrates<\/span>\u00a0the\u00a0value<\/span>\u00a0of\u00a0long<\/span>–term<\/span>\u00a0capital<\/span>.<\/span>
\nMany<\/span>\u00a0international<\/span>\u00a0development<\/span>\u00a0finance<\/span>\u00a0companies<\/span>\u00a0operating<\/span>\u00a0in Ghana have\u00a0recognized<\/span>\u00a0the\u00a0potential<\/span>\u00a0of\u00a0long<\/span>–term<\/span>\u00a0project<\/span>\u00a0finance<\/span>\u00a0when\u00a0structured<\/span>\u00a0properly<\/span>.<\/span><\/p>\n

Currently<\/span>,\u00a0several<\/span>\u00a0international<\/span>\u00a0financial<\/span>\u00a0lenders<\/span>\u00a0that\u00a0support<\/span>\u00a0banks<\/span>\u00a0with\u00a0long<\/span>–term<\/span>\u00a0capital<\/span>\u00a0have\u00a0expressed<\/span>\u00a0willingness<\/span>\u00a0to\u00a0allow<\/span>\u00a0their\u00a0funds<\/span>\u00a0to be\u00a0extended<\/span>\u00a0to\u00a0longer<\/span>\u00a0tenors<\/span>,\u00a0such<\/span>\u00a0as seven\u00a0years<\/span>,\u00a0inspired<\/span>\u00a0by the DBG\u00a0model<\/span>.<\/span><\/p>\n

He\u00a0explained<\/span>\u00a0that the\u00a0success<\/span>\u00a0of the\u00a0model<\/span>\u00a0lies<\/span>\u00a0in\u00a0building<\/span>\u00a0confidence<\/span>\u00a0among\u00a0financial<\/span>\u00a0institutions<\/span>\u00a0to\u00a0take<\/span>\u00a0on this\u00a0responsibility<\/span>\u00a0independently<\/span>.<\/span>
\nThis is\u00a0essential<\/span>\u00a0because\u00a0private<\/span>–sector<\/span>\u00a0leadership<\/span>\u00a0ensures<\/span>\u00a0the\u00a0sustainability<\/span>\u00a0of\u00a0project<\/span>\u00a0finance<\/span>.<\/span><\/p>\n

Prof. Nsor-Ambala\u00a0mentioned<\/span>\u00a0that in ten\u00a0years<\/span>, the\u00a0objective<\/span>\u00a0is for the\u00a0sectors<\/span>\u00a0they are\u00a0involved<\/span>\u00a0with to\u00a0rely<\/span>\u00a0more<\/span>\u00a0on\u00a0private<\/span>\u00a0capital<\/span>,\u00a0reducing<\/span>\u00a0the\u00a0need<\/span>\u00a0for\u00a0development<\/span>\u00a0bank<\/span>\u00a0support<\/span>,\u00a0allowing<\/span>\u00a0it to\u00a0redirect<\/span>\u00a0resources<\/span>\u00a0to\u00a0other<\/span>\u00a0areas<\/span>.<\/span>
\n\"\"<\/a><\/p>\n

He\u00a0added<\/span>\u00a0that a\u00a0key<\/span>\u00a0success<\/span>\u00a0indicator<\/span>\u00a0is when\u00a0financial<\/span>\u00a0institutions<\/span>\u00a0ask<\/span>\u00a0for\u00a0less<\/span>\u00a0funding<\/span>.<\/span>
\nFor\u00a0instance<\/span>, for a\u00a0deal<\/span>\u00a0valued<\/span>\u00a0at GH\u00c2\u00a210 million, they are\u00a0willing<\/span>\u00a0to\u00a0invest<\/span>\u00a0about GH\u00c2\u00a27 million,\u00a0indicating<\/span>\u00a0successful<\/span>\u00a0mobilization<\/span>\u00a0of\u00a0private<\/span>\u00a0capital<\/span>\u00a0within the\u00a0financial<\/span>\u00a0ecosystem<\/span>.<\/span><\/p>\n

Professor Randolf Nsor-Ambala, Chief Executive Officer of DBG,\u00a0mentioned<\/span>\u00a0that the\u00a0bank<\/span>‘s\u00a0role<\/span>\u00a0under the GhanaCARES Obaatan Pa\u00a0programme<\/span>\u00a0and the 24-Hour<\/span>\u00a0Economic and Accelerated Development\u00a0Programme<\/span>\u00a0includes<\/span>\u00a0supporting<\/span>\u00a0businesses<\/span>\u00a0and\u00a0bankable<\/span>\u00a0projects<\/span>\u00a0in\u00a0government<\/span>\u00a0priority<\/span>\u00a0areas<\/span>.<\/span><\/p>\n

He\u00a0stated<\/span>\u00a0that all\u00a0obligations<\/span>\u00a0placed<\/span>\u00a0on DBG were\u00a0discussed<\/span>\u00a0and\u00a0understood<\/span>, with the\u00a0assurance<\/span>\u00a0that they could be\u00a0met<\/span>.<\/span>
\nThe\u00a0development<\/span>\u00a0bank<\/span>‘s\u00a0involvement<\/span>\u00a0in the 24-Hour Economy and\u00a0other<\/span>\u00a0government<\/span>\u00a0initiatives<\/span>\u00a0is\u00a0due<\/span>\u00a0to its\u00a0ability<\/span>\u00a0to\u00a0unlock<\/span>\u00a0additional<\/span>\u00a0funds<\/span>.<\/span><\/p>\n

Regarding<\/span>\u00a0the 24-Hour Economy, Prof. Nsor-Ambala\u00a0noted<\/span>\u00a0that the\u00a0government<\/span>\u00a0recognized<\/span>\u00a0that the\u00a0goals<\/span>\u00a0were\u00a0larger<\/span>\u00a0than its\u00a0budget<\/span>,\u00a0hence<\/span>\u00a0the\u00a0need<\/span>\u00a0to\u00a0involve<\/span>\u00a0the\u00a0private<\/span>\u00a0sector<\/span>.<\/span><\/p>\n

For\u00a0example<\/span>, with the\u00a0industrialization<\/span>\u00a0drive<\/span>, the\u00a0government<\/span>\u00a0intended<\/span>\u00a0to\u00a0create<\/span>\u00a0an\u00a0environment<\/span>\u00a0that\u00a0encourages<\/span>\u00a0private<\/span>\u00a0investment<\/span>\u00a0rather<\/span>\u00a0than\u00a0building<\/span>\u00a0industrial<\/span>\u00a0parks<\/span>\u00a0directly<\/span>.<\/span><\/p>\n

He\u00a0explained<\/span>\u00a0that when\u00a0businesses<\/span>\u00a0require<\/span>\u00a0technical<\/span>\u00a0assistance<\/span>\u00a0or\u00a0financial<\/span>\u00a0support<\/span>, DBG\u00a0provides<\/span>\u00a0the\u00a0necessary<\/span>\u00a0backing<\/span>\u00a0to\u00a0help<\/span>\u00a0the\u00a0private<\/span>\u00a0sector<\/span>\u00a0achieve<\/span>\u00a0the\u00a0goals<\/span>\u00a0of the 24-Hour<\/span>\u00a0Economy.<\/span><\/p>\n

Prof. Nsor-Ambala\u00a0stressed<\/span>\u00a0that the\u00a0focus<\/span>\u00a0is on\u00a0funding<\/span>\u00a0the\u00a0private<\/span>\u00a0sector<\/span>\u00a0to\u00a0capitalize<\/span>\u00a0on the\u00a0ideals<\/span>\u00a0of the\u00a0program<\/span>.<\/span><\/p>\n

He\u00a0added<\/span>\u00a0that\u00a0currently<\/span>, the 24-Hour<\/span>\u00a0Economy\u00a0passes<\/span>\u00a0pipelines<\/span>\u00a0to DBG, and\u00a0most<\/span>\u00a0of them have either been\u00a0successfully<\/span>\u00a0disbursed<\/span>\u00a0or are at the\u00a0final<\/span>\u00a0stages<\/span>\u00a0of\u00a0discussion<\/span>.<\/span>
\nThe\u00a0relationship<\/span>\u00a0with the\u00a0secretariat<\/span>\u00a0is\u00a0very<\/span>\u00a0close<\/span>, he\u00a0noted<\/span>.<\/span><\/p>\n

The Development Bank of Ghana Ltd was\u00a0established<\/span>\u00a0to\u00a0provide<\/span>\u00a0wholesale<\/span>\u00a0long- to\u00a0medium<\/span>–term<\/span>\u00a0finance<\/span>\u00a0to\u00a0PFIs<\/span>\u00a0for\u00a0onward<\/span>\u00a0lending<\/span>\u00a0to\u00a0MSMEs<\/span>\u00a0in\u00a0specific<\/span>\u00a0sectors<\/span>\u00a0such<\/span>\u00a0as\u00a0manufacturing<\/span>.<\/span><\/p>\n

<\/div>","protected":false},"excerpt":{"rendered":"

Over the past five years, Development Bank Ghana (DBG) Ltd., a long-term lending facilitator, has directed GH\u00a22.5 billion in long-term financing to businesses through 21 partner financial institutions, easing banks’ customary reluctance to fund long-term initiatives. Micro, small, and medium-sized businesses (MSMEs), a sector frequently limited by the short-term funding preferences of commercial banks, now […]<\/p>\n","protected":false},"author":1,"featured_media":3561,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[137],"tags":[147],"class_list":["post-3560","post","type-post","status-publish","format-standard","has-post-thumbnail","category-news","tag-ghana-home-page"],"_links":{"self":[{"href":"https:\/\/rendergh.net\/fr\/wp-json\/wp\/v2\/posts\/3560","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rendergh.net\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rendergh.net\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rendergh.net\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rendergh.net\/fr\/wp-json\/wp\/v2\/comments?post=3560"}],"version-history":[{"count":1,"href":"https:\/\/rendergh.net\/fr\/wp-json\/wp\/v2\/posts\/3560\/revisions"}],"predecessor-version":[{"id":3564,"href":"https:\/\/rendergh.net\/fr\/wp-json\/wp\/v2\/posts\/3560\/revisions\/3564"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rendergh.net\/fr\/wp-json\/wp\/v2\/media\/3561"}],"wp:attachment":[{"href":"https:\/\/rendergh.net\/fr\/wp-json\/wp\/v2\/media?parent=3560"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rendergh.net\/fr\/wp-json\/wp\/v2\/categories?post=3560"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rendergh.net\/fr\/wp-json\/wp\/v2\/tags?post=3560"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}