Country profile · Edition 1

🇬🇭Ghana

Africa

Score

59.2

Rank

31 of 46

Overview

Ghana ranks 31st of 46 economies, with a score of 59.2 out of 100. It is 3rd of 5 ranked economies in Africa.

Strongest: Consumer protection (100); Government support (88). Weakest: Youth education (17); Credit access (30).

Dimension scores

Credit literacy32.0

Credit access29.5

Financial inclusion68.1

Digital banking80.4

Innovation66.7

Consumer protection100.0

Government support87.5

Financial education75.0

Youth education16.7

Public awarenessNo score

This dimension needs both of its policy items verified from a public source. For Ghana, no public source could be found for: National financial literacy month / week.

Dimensions with no score are left out of the overall score, never counted as zero.

Not yet measured: Reporting transparency, Alternative infrastructure.

Survey indicators

32%32% of adults answered at least 3 of 4 financial concepts correctly (S&P Global FinLit, 2014)

29.5%30% of adults borrowed from a formal institution or via mobile money in the past year (Findex, 2024)

81.2%81% of adults have an account (Findex, 2024)

54.9%55% could raise emergency funds within 30 days without great difficulty (Findex, 2024)

80.4%80% of adults made or received a digital payment (Findex, 2024)

Youth education policy: none

Financial education is not part of the mandatory school curriculum. There is no standalone course or graduation requirement. Young people are mentioned in the national strategy but not as a priority, or the strategy has expired.

Policy dimensions record whether a policy exists, not how well it works.