Rural and micro finance regulation in Ghana: implications for development and performance of the industry
Summary. Ghana's regulatory framework for rural and microfinance institutions shaped the development of diverse formal, semi-formal, and informal providers serving different market segments. The study finds that overly permissive early entry policies created weak institutions using untested methodologies, damaging credibility and straining supervision resources. Effective regulation requires balancing market access for broader outreach against prudential standards and adequate supervisory capacity.
Cite this article
Steel, W. F., & Andah, D. O.. (2003). Rural and micro finance regulation in Ghana: implications for development and performance of the industry. SSRN Electronic Journal. https://papers.ssrn.com/sol3/Delivery.cfm/SSRN_ID1832551_code488199.pdf?abstractid=1832551&mirid=1&type=2
Steel, William F., and David O. Andah. “Rural and micro finance regulation in Ghana: implications for development and performance of the industry.” SSRN Electronic Journal, 2003. https://papers.ssrn.com/sol3/Delivery.cfm/SSRN_ID1832551_code488199.pdf?abstractid=1832551&mirid=1&type=2.
Steel, William F., and David O. Andah. 2003. “Rural and micro finance regulation in Ghana: implications for development and performance of the industry.” SSRN Electronic Journal. https://papers.ssrn.com/sol3/Delivery.cfm/SSRN_ID1832551_code488199.pdf?abstractid=1832551&mirid=1&type=2.
@article{steel-2003-rural-micro-finance-regulation-ghana,
title = {Rural and micro finance regulation in Ghana: implications for development and performance of the industry},
author = {William F. Steel and David O. Andah},
journal = {SSRN Electronic Journal},
year = {2003},
url = {https://papers.ssrn.com/sol3/Delivery.cfm/SSRN_ID1832551_code488199.pdf?abstractid=1832551&mirid=1&type=2}
}
TY - JOUR TI - Rural and micro finance regulation in Ghana: implications for development and performance of the industry AU - William F. Steel AU - David O. Andah JO - SSRN Electronic Journal PY - 2003 UR - https://papers.ssrn.com/sol3/Delivery.cfm/SSRN_ID1832551_code488199.pdf?abstractid=1832551&mirid=1&type=2 ER -