Ghana Incentive-Based Risk-Sharing System for Agricultural Lending

24/09/2026

Can alternative data and AI unlock greater access to agricultural finance in Ghana?

Join GIRSAL for an insightful conversation exploring how alternative data and AI-driven credit solutions can expand financial inclusion and help bridge the financing gap for Ghana’s agribusinesses.

The session will feature a presentation by Mr. Justice Akpadie on “Alternative Data, AI-Driven Agricultural Credit & Financial Inclusion: Bridging the Financing Gap for Ghana’s Agribusiness.”

Building on our recent article, “Closing the Data Gap: Why Information, Not Capital, Will Shape the Future of Agricultural Finance in Ghana”
Read More: https://bit.ly/4hq88GY

Register via this link https://www.girsal.com/girsal-brown-bag-bridgingthegap to be part of the conservation.

21/09/2026

Today, we honour the vision, courage and enduring legacy of Dr. Kwame Nkrumah and reflect on the values of leadership, unity and national development.

Happy Founder’s Day!

31/08/2026

What if the biggest constraint to agricultural finance in Ghana is not the availability of capital but the availability of the right information?

Agricultural lending comes with unique risks, and without reliable, timely, and actionable data, financial institutions can struggle to accurately assess opportunities, price risk, and confidently extend financing to viable agribusinesses.

In our latest article, “Closing the Data Gap: Why Information, Not Capital, Will Shape the Future of Agricultural Finance in Ghana,” we explore why strengthening Ghana’s agricultural data ecosystem, integrating alternative data sources, and improving how agricultural lending is classified and reported could be critical to unlocking greater financing for the sector.

We also highlight the role of GIRSAL’s Agricultural and Agribusiness Knowledge Portal in helping bridge the information gap by providing financial institutions with practical, value-chain-specific intelligence to support better-informed agricultural credit decisions.

Read the full article and join the conversation on what it will take to build a more data-driven agricultural finance ecosystem in Ghana.

https://bit.ly/460592B

For years, conversations around agricultural financing in Ghana have focused almost exclusively on one issue: access to capital. Governments have introduced

27/08/2026

Beyond the Classroom: Learning from the Oil Palm Value Chain

As part of Cohort 20 training of the GIRSAL Agriculture and Agribusiness Lending Course, participants visited Africa Limited (producers of Frytol oil, Fortune Rice, margarine, shea butter, Jamaa soap, etc.) to gain insight into its operations and deepen their understanding of the oil palm value chain.

During the classroom sessions, participants explored the dynamics and strategies of financing Ghana’s tree crop sector, including understanding the value chains, financing opportunities, and the risks financial institutions need to consider when lending to businesses within the sector.

Taking that learning into the field, participants were taken through the various operational stages of Wilmar Africa and deepened their understanding of the oil palm value chain.

14/08/2026

Beyond the Classroom: How GIRSAL Is Equipping Financial Institutions to Understand Agriculture

Under our Technical Assistance and Advisory Services, GIRSAL trains mid-level staff of financial institutions through the GIRSAL Agriculture and Agribusiness Lending Course to understand agriculture. But we believe that to truly understand an agricultural value chain requires more than slides, case studies, and classroom discussions. It requires seeing the business, understanding the operations, and engaging with the people behind the numbers.

That is why every cohort combines classroom learning with practical field visits, allowing participants to engage directly with the management of selected agribusinesses and gain first-hand insight into the realities of agribusiness.

This year's training has a key focus on financing tree crops, and so far, two cohorts (Cohort 19 and Cohort 20) have successfully completed the program.

At the end of Cohort 19, participants visited GHANA LIMITED, one of Ghana's leading cashew processors. The visit provided the opportunity to engage and gain a deeper understanding of the cashew processing value chain, from receiving cashew nuts through the various stages of processing to the final product ready for market.

Participants observed the scale of operations, the processes involved, and the risks that the business navigates every day. Experiences like these help financial institutions move beyond simply assessing financial statements to develop a more practical understanding of the businesses and value chains they finance.

This is what GIRSAL means by building capacity for agricultural finance in Ghana, equipping financial institutions with the knowledge, practical exposure, and confidence to understand, assess the risks, and unlock sustainable financing for the Agric sector.

20/01/2026

We’re hiring!
Join our team at GIRSAL and make an impact in transforming agribusiness financing in Ghana.

Apply here: www.girsal.com/vacancies

01/01/2026

As we step into a new year, GIRSAL remains committed to strengthening Ghana’s agricultural value chains, empowering agribusinesses, and driving sustainable growth.

25/12/2025

Season’s greetings from our Board Chairman Professor Richard Bani.

25/12/2025

As we celebrate Christmas, we extend our heartfelt appreciation to all our Partner Financial Institutions, Agribusinesses, and Stakeholders for your continued trust and collaboration. Thank you for being part of GIRSAL’s journey toward strengthening Ghana’s Agri-financing sector. 🎄🎈