Financial skills like managing debt are key to success, but Ghana’s small businesses don’t have them

By Samuel Adomako, Associate Professor of Strategy and Innovation, University of Birmingham

Financial literacy is vital for individuals and households. Simply put, it’s the ability to understand and effectively use various financial skills: budgeting, managing debt, making sound investments, and understanding financial statements.

These skills are crucial for businesses, too – especially small and medium enterprises. Small and medium enterprises are widely recognised as the backbone of many low-income countries’ economies. The World Bank estimates…

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