Finance
Debt restructuring to reduce interest cost burden

Finance Minister Ken Ofori-Atta, will today, December 5, 2023 disclose details of the debt restructuring announced in 2023 Budget Statement and Economic Policy.
Alleviating pressures on the budget
The debt restructuring which is expected to deal with high interest payments on the public debt is part of a four legged approach adopted by the government in 2023 budget aimed at alleviating the pressures on the national budget and restoring debt sustainability.
Revenue increase, expenditure cuts, restructuring of SOEs
The other measures are increasing revenue, reducing expenditure and restructuring of State Owned Enterprises (SOEs).
GH¢467.3bn public debt
These measures are expected to reduce the public debt which stood at GH¢467.3 billion (GH¢467,371.31 million) or the equivalent of $48.8 billion ($48,871.34 million) as at the end of September 2022.
Public is 75.9% to GDP
This represents approximately 75.9% of Gross Domestic Products (GDP) and the debt restructuring measures target to bring it down to 55% in the medium term.
Balance of payment support, new financing streams
When successful, the move will also open up financing streams and provide the needed balance of payment support from the International Monetary Fund (IMF).
Principles of debt sustainability and international best practices
Ahead of today’s announcement, information gathered indicates the terms of the principal payments and interest on the public debt has taken into account principles of debt sustainability and international best practices.
Tenor of maturing instruments to be deferred
According to sources, the government will defer the tenor of maturing instruments but will make graduated payments on future dates to be announced by Ofori-Atta.
Bond principals will not be affected but interest to be affected
While principals of domestic bonds will not be affected, it is likely that interest will be affected given the interest cost commitments on government for 2023 and beyond
GH¢52.5bn projected interest payment for 2023
Interest Payment for 2023 is projected at GH¢52.5 billion (GH¢52,550 million) representing 6.6% of GDP which is almost double the GH¢32.1 billion (GH¢32,101 million) paid in 2022 which represents 5.4 % of GDP reflecting the higher cost of borrowing and the adverse impact of the currency depreciation on external interest.
Reducing the interest paid on the public debt, increasing revenue significantly, drastic rationalisation of expenditure and restructuring of SOEs are expected to help reduce the public debt to sustainable levels by 2028.
Ghana officially started engaging the IMF in September 2022 for a loan support programme, which is aimed at establishing a macro-fiscal path that ensures debt sustainability and macroeconomic stability underpinned by key structural reforms and social protection.
Negative impact of exchange rate depreciation
The sustainability of debt has been continuously affected by the negative impact of exchange rate depreciation, particularly on external debt, as well as the crystallization of significant contingent liabilities in recent years.
Concessional loans
Concessional loans will continue to be the preferred financing option for projects except in cases where non-concessional borrowing may be required to finance critical transformative projects.
126 SOEs worth GH₵110bn
The value of Ghana’s 126 State-Owned Enterprises (SOEs) is GH₵110 billion.
SOEs have consistently posted negative operating margins, averaging around 10%.
SOEs saddled with debts
However, these SOEs are saddled with debts while government continues to inject capital into them to prevent total collapse.
50% of SOEs recorded GH¢5.3bn losses in 2020
About 50% of SOEs recorded GH¢5.3 billion in losses in their operations in the 2020 fiscal year.
Joint Venture Companies
Interestingly, Joint Venture Companies (JVCs) involving SOEs tend to do well and post profits.
Prudent management to generate 10% return
Prudent management to generate 10% return on the assets can generate GH₵11 billion to the national coffers and the enterprises, resulting in the employment of more than 700,000 people in the public and civil service.
GH₵144bn revenue
The budget projected a total revenue and grants of GH₵144 billion, representing 18% of Gross Domestic Product (GDP).
Cost cutting measures
On expenditure rationalisation, Metropolitan, Municipal and District Assemblies (MMDAs), Ministries, Departments and Agencies (MDAs) and State-Owned Enterprises (SOEs) have been directed to reduce fuel allocation to political appointees and their Heads by 50 per cent.
The directive applied to all fuel allocation methods including coupons, electronic cards, chit systems, and fuel depots.
Non-critical projects on hold
All non-critical projects for 2023 financial year are on hold.
Moratorium on purchase of vehicles extended
A moratorium on the purchase of vehicles for government work has also been extended and all sport utility vehicles in the state fleet are to be restricted to cross-country travel while the purchase of vehicles shall be restricted to locally assembled automobiles.
Only essential official foreign travels permitted
Only essential official foreign travel across government including SOEs shall be allowed, and no official foreign travel shall be allowed for board members.
All government institutions are to submit a travel plan for the year 2023 by mid-December to the Chief of Staff.
Meetings and workshops should be held within the official environment or in government facilities while all government sponsored external training and staff development activities at the Office of the President, Ministries and SOEs have been put on hold for the 2023 fiscal year.
A further cut in expenditure is to affect appointees including salary freezes, and the suspension of certain allowances like housing, utilities, and clothing.
Tax waivers for foreign companies frozen
A freeze on new tax waivers for foreign companies and the review of tax exemptions for free-zone, mining, oil and gas companies, and a suspension on hiring civil and public servants are also in the 2023 budget.
- MTN cuts sod for $25m ‘Ghana ICT Hub’ – 28 March 2023
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Finance
Kamala Harris: US to engage Ghana’s creditors for debt reduction

Vice-President of the United States of America Kamala Harris pledged the commitment of her country to engage the Paris Club of behalf of Ghana which is seeking debt forgiveness as part of the International Monetary Fund’s (IMF) balance of payment support.
According to her, the US will help Ghana with all the support it needs to ensure that it scales through its current economic crisis.
US fully support Ghana’s engagement with IMF
She indicated that the US is fully in support of Ghana’s engagement with the IMF and will push for debt reduction by the country’s bilateral creditors.
Biden administration to push for meaningful debt reduction
She insisted that the Biden administration “will continue to push for all bilateral creditors to provide meaningful debt reduction for countries that needed including Ghana.”
“We must work together as an international community to ease the debt burden that is facing far too many countries,” she added.
Joint Press Conference
The US Vice-President announced this at a joint Press Conference with President Nana Addo Dankwa Akufo-Addo, at Jubilee House, Accra, after closed door discussions.
3-day state visit
Harris, who arrived in Ghana on Sunday for a three-day state visit, is on a week-long trip on the African continent that would take her to Tanzania and Zambia.
US pledges support for economic recovery
She expressed the commitment of US to supporting Ghana to revamp its post-COVID-19 and Russia-Ukraine conflict impacted economy.
“We welcome Ghana’s commitment to reform its economy for sustainable and inclusive growth. “We support Ghana’s engagement with the IMF, and we will continue to push all bilateral creditors to provide meaningful debt reduction for countries that need it.
“It is critical to do so to build long-term economic growth and prosperity and to increase US investments. Our partnership is already strong, and I believe that today we have strengthened it,” she stated.Harris believes this will enable Ghana successfully negotiate the bailout it is seeking from the IMF.
Factors that adversely affected Ghana’s macroeconomy
The COVID-19 pandemic, rising global food prices, rising crude oil and energy prices; and the Russia-Ukraine war adversely affected Ghana’s macroeconomy, with spillovers to the financial sector.
Combination of adverse external shocks
The combination of adverse external shocks had exposed Ghana to a surge in inflation, a large exchange rate depreciation and stress on the financing of the budget, which taken together have put public debt on an unsustainable path.
$54bn total public debt stock
Ghana’s total public debt stock stands at $54 billion, out of which $28 billion is owed to foreign creditors.
Ghana owes China $1.9bn
Out of Ghana’s $8.5 billion bilateral loans, about $1.9 billion is owed to China.
$3bn staff-level agreement reached in December 2022
In December 2022, the government reached a staff-level agreement with the fund and is now left with board-level approval before it can access the $3 billion support.
America’s investment in wellbeing and prosperity of people
Harris assured that the US stands by its commitment to building on existing relations with Ghana, and working together to advance America’s investment in the wellbeing, health and prosperity of the people,” she stated.
US resident advisor to assist Finance Ministry
According to her, the Department of Treasury’s Office of Technical Assistance (OTA) will deploy a full-time resident advisor to assist the Ministry of Finance to develop and execute medium-to-long-term reforms needed to improve debt sustainability and support a competitive, dynamic government debt market.
Building on debt restructuring efforts
The project, according to the USA will complement and build on Ghana’s debt restructuring efforts.
To further support Ghana’s debt management, USAID is funding fellowships for a team of ten specialists to work within the Ministry of Finance, providing surge support for a two-year period.
The Fellows are all young, qualified Ghanaians and recent university graduates.
Strengthening public financial management
This project is part of OTA’s ongoing engagement to strengthen public financial management and financial sector oversight across sub-Saharan Africa.
For 2023, OTA will execute 25 projects in 15 African countries.
This includes eight new projects in Cameroon, Ghana, Kenya, Madagascar, Namibia, Tanzania, The Gambia, and Zambia in revenue policy and administration; budget and financial accountability; government debt issuance and infrastructure financing; banking and financial services; and economic crimes.
$100m to fight violent extremism and instability
The US Vice-President also announced the US government plans to commit $100 million support package for Ghana, Benin, Guinea, Cote d’Ivoire and Togo, as part of efforts to promote stability in the sub-Region.
At least $86 million in funding over three years will specifically be dedicated to the implementation of the new 10-year plan.
The package forms part of President Joe Biden’s strategy to cushion the beneficiary countries financially to address violent extremism and instability.
The package, the U.S., Vice President explained, complemented an earlier strategic plan announced by President Joe Biden, for coastal West Africa, to prevent conflict and promote stability.
Harris praises President Nana Akufo-Addo
Harris praised President Nana Akufo-Addo for his leadership in response to recent democratic backsliding in West Africa and standing up for democratic principles around the world.
“Under your leadership, Ghana has been a beacon of democracy and a contributor to global peace and security,”
“Your leadership in particular and personal engagement have strengthened the ties between the diaspora and the continent. President Joe Biden and I are grateful to have you as a partner,” she said.
Strengthening partnerships across the African continent
The US Vie-President said the United States was strengthening partnerships across the African continent and “we are guided not by what we can do for Africa, but by what we can do with Africa and African partners on this continent.”
African voices critical to global peace and security
With African nations playing significant roles in global issues such as food security, climate crisis and resilient supply chains, she stressed that African voices, including that of Ghana, “are critical to global peace and security, including the defence of the United Nations charter.”
President Akufo-Addo says meeting was successful
President Akufo-Addo described his meeting with the US Vice-President as “successful,” as both sides reaffirmed the commitment to collaborate further and provide mutual support at both bilateral and multilateral levels.
He said Harris pledged America’s support for Ghana’s transformative agenda, adding, “it is this transformation that would give us the best opportunity to derive maximum benefit from our abundant natural resources and enable us to create a firmer foundation for a meaningful long-term economic and commercial relations with the United States of America.”
The President said Ghana will continue to collaborate with the US at all levels towards the peaceful resolution of conflicts and in the search for global peace and security to promote sustainable development and growth
“My meeting with the US Vice-President this afternoon has further boosted the steadfast cooperation between the two countries,” he affirmed.
He pointed out that although he was concerned about terror groups, he had no formal confirmation that al-Qaida was present in Ghana.
On a question on the operations of the Russian mercenary force, Wagner, in the region, President Akufo-Addo said he worried that the group could expand its footprint in West Africa.
“It raises the very real possibility that once again our continent is going to become the playground for a great power conflict,” Akufo-Addo said.
The President also rejected concerns about China’s influence in the region, insisting that Ghana’s relations with were separate from one another, and said the ties with America “is a relationship that has been close over several decades.”
Ghana determined to add value to its abundant natural resources
President Akufo-Addo said the country was determined to add value to its abundant natural resources in order to lift the economy from dependence on foreign aid to a self-reliant one.
Harris inspects a guard of honour
On her arrival at the Jubilee House, Harris inspected a guard of honour mounted by the Ghana Airforce, and took the national salute, whilst a 21-gun salute boomed in the background.
President Akufo-Addo met her at the foyer of the Presidency, where the two exchanged pleasantries and retired to the ceremonial room for a tete-a-tete.
Both parties reaffirmed the strengthening of the relations and long-standing ties between the peoples of Ghana and the United States and affirmed their resolves to bolster those bonds of friendship and cooperation.
The two leaders, with their delegations, held bilateral talks, where discussions centred on a range of global and regional issues, including democracy, good governance, and human rights; regional security; long-term economic growth and macroeconomic stability.
Harris and her husband, Douglas Emhoff, were hosted at a State Banquet at the Jubilee House by President Akufo-Addo in the evening.
- MTN cuts sod for $25m ‘Ghana ICT Hub’ – 28 March 2023
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Finance
Ofori-Atta says creditors agree to form Committee on Ghana

Finance Minister Ken Ofori-Atta, has disclosed that Ghana has made significant progress in its discussions for debt treatment with the Paris Club and other bilateral creditors.
Official Creditor Committee
According to him, the Paris Club, together with other creditors including China, India, Saudi Arabia, and Turkey have agreed to form an Official Creditor Committee (OCC) on Ghana.
IMF Executive Board approval possible in May
He revealed that the Committee plans to deliver financing assurances to the International monetary Fund (IMF) as soon as possible to clear the path for an IMF Executive Board approval of Ghana’s programme by early May.
Positive engagements with China and Paris Club
Disclosing the outcome of engagements with China and Paris Club last week, Mr Ofori-Atta said discussions with the Chinese government on the country’s debt restructuring programme have been positive.
China to Co-chair the Official Creditor Committee
Mr Ofori-Atta, who led a high level government delegation made up of technical officials from the Ministry of Finance, the Ministry of Foreign Affairs and the Bank of Ghana. to China last week, also requested for China to Co-chair the Official Creditor Committee.
$54bn total public debt stock
Ghana’s total public debt stock stands at $54 billion, out of which $28 billion is owed to foreign creditors.
Ghana owes China $1.9bn
Out of Ghana’s $8.5 billion bilateral loans, about $1.9 billion is owed to China.
$3bn staff-level agreement reached in December 2022
In December 2022, the government reached a staff-level agreement with the fund and is now left with board-level approval before it can access the $3 billion support.
Ghana seeking extension of maturities, debt servicing, lower interest rates
Information indicates that Ghana is seeking among other reliefs, an extension of the moratorium on debt servicing; an extension of maturities; and lower interest rates.
China expresses confidence in management of Ghana’s economy
The Finance Minister of China, Mr. Liu Kun, on his part said that his country has confidence in the management of the Ghanaian economy, and that his country felt a responsibility to be of help as Ghana seeks debt servicing relief.
At a meeting in Beijing, Mr. Kun said the Chinese authorities “have confidence in Ghana’s economic management and its long term economic viability.”
Expeditious treatment of Ghana’s request
Mr. Kun said he wanted to ensure that Ghana’s external debt treatment request was considered expeditiously and was thus accompanied to the meeting with Mr. Ofori-Atta by a high level delegation including Mr. Wu Fuli, Chairman of China Exim-Bank.
Committed to resolving challenges
Minister Kun said: “We know that these are short-term challenges which we, as responsible creditors, remain committed to resolving.”
Long standing and prosperous relationship
“The long standing and prosperous relationship between Ghana and China imposes on us a responsibility to help,” the Chinese Finance minister added.
Exogenous forces impacting Ghana’s economy
He said that just like other African countries, Ghana was facing economic difficulties from a once in a lifetime pandemic, geopolitical tensions and interest rates hikes in advanced countries with a contagion effect on developing countries.
The Chinese officials committed to help Ghana resolve the current short-term liquidity challenges and continue to support Ghana’s medium and long-term development aspirations.
China to push for more concessional and grant funding for Ghana
They said China believed in promoting debt sustainability and sustainable development, and would advocate for more concessional and grant funding for Ghana, especially at this time.
Multilateral Banks should do more for Ghana
“Ghana needs more concessional and grant fund from creditors,” said Mr. Zhang Wencai, Vice-President of China Exim bank, adding that “the Multilateral Banks should therefore do more for Ghana.”
Revenue bills in parliament
This week, all eyes are on Ghana’s parliament which will consider three key revenue measures whose approval is expected to rake in GH₵4.4 billion in domestic revenues.
It is one of the major actions on the part of Ghana, critical to trigger IMF Executive Board approval of a $3 billion facility for the country to ease its current economic difficulties.
- MTN cuts sod for $25m ‘Ghana ICT Hub’ - 28 March 2023
- Dr Addison appeals to MPs to prioritize revenue bills - 28 March 2023
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Finance
IMF deal: MPs vote on critical revenue bills today

Parliament is expected to vote today on the Income Tax (Amendment) Bill, Excise Duty and Excise Tax Stamp (Amendment) Bills as well as the Growth and Sustainability Levy Bill.
Passage will facilitate IMF Executive Board approval
Approval of these outstanding revenue mobilisation bills will facilitate the approval of $3 billion International Monetary Fund (IMF) Programme staff level agreement by the Executive Board of the Fund.
Passage to increase Tax-to-GDP from 13% to 18%
The passage of all the outstanding revenue bills which are necessary for effective budget implementation as well as boosting efforts at increasing Tax-to- Gross Domestic Product (GDP) from less than 13% to the sub-Saharan average of 18%.
4th agreed Prior Actions in the Staff Level Agreement
The passage of the bills will enable government to complete four out of five agreed Prior Actions in the Staff Level Agreement.
3 agreed Prior Actions in the Staff Level Agreement fulfilled
Already, government has completed tariff adjustment by the Public Utilities Regulatory Commission (PURC), Publication of the Auditor-General’s Report on COVID-19 spending, as well as onboarding of Ghana Education Trust Fund (GETFund), District Assemblies Common Fund (DACF) and Road Fund on the Ghana integrated financial management information system (GIFMIS).
No access to international capital market
The international and domestic bond markets are shut for the financing of government’s programmes, forcing government to rely on the Treasury Bills and concessional loans as the primary sources of financing for the 2023 fiscal year.
Bills critical for recovery from current economic crisis
Therefore, consideration and approval of fiscal measures by Parliament are critical for recovery from the current economic crisis.
Fiscal sustainability of economy
Director of Revenue Policy Division of the Ministry of Finance George Swanzy Winful, explained that the Growth and Sustainability Levy is to raise revenue for growth and fiscal sustainability of the economy.
Bridging financing gap
This, he said, was necessary to bridge the financing gap created by COVID-19 and Russia-Ukraine war.
Growth and Sustainability Levy to apply from 2023 to 2025
He hinted that Growth and Sustainability Levy is a temporal measure expected to apply from 2023 to 2025 to help correct the imbalances being experienced.
Replacement for National Fiscal Stabilisation Levy
Mr Winful explained that Growth and Sustainability Levy replaces the National Fiscal Stabilisation Levy (NFSL).
According to him, the National Fiscal Stabilisation Levy (NFSL) was being charged on 11 companies but the Growth and Sustainability Levy will apply to all companies.
Serious consequences of not passing the bills
He cautioned that if the bills are not passed, government will be forced to review revenue estimates which will have serious consequences on public funds.
The Director of Revenue Policy Division of Ministry of Finance explained that government has indicated revenue mobilization plans to IMF which includes the outstanding bills.
Therefore, he said failure to pass the bills will exacerbate an already difficult financial position of the country
He pointed out that the country is in extra ordinary times and appealed to the Members of Parliament to pass the outstanding bills today.
Mr Winful pledged that the Ministry of Finance will deepen stakeholder engagements to address concerns of the public.
Income Tax (Amendment) Bill, 2022
The object of the Income Tax (Amendment) Bill, 2022 is to amend the Income Tax Act, 2015 (Act 896) to revise the rates of income tax for individuals and introduce an additional income tax bracket.
It will introduce a withholding tax rate on the realisation of assets and liabilities and on winnings from lottery, unify the loss carried forward provisions and revise the treatment of foreign exchange losses.
The Bill will also increase the optional rate for individuals on the gain from the realisation of an investment asset, revise the upper limits for the quantification of motor vehicle benefits and increase the concessional income tax rates.
The individual personal income tax bands have been reviewed to accommodate the minimum wage for 2023 as the basic tax free income and an additional band at 35% as part of the high net worth taxation policy.
The upper limits for quantification of motor vehicle benefits have not been revised since 2015.
Government has therefore revised these upper limits to account for inflation.
Compliance with the requirements for payment of tax on realisation of assets and liabilities is being made more efficient with the introduction of a return to be submitted within 30 days of the realisation and a withholding tax.
The optional tax rate for individuals on the gain from realisations has also been increased.
The rate for income from gifts will also be increased as a consequential amendment.
The loss carried forward provisions are being unified at five percent while the treatment of foreign exchange gains is being restricted to actual losses.
Foreign exchange losses relating to capital expenditure is also to be capitalised.
The income tax rates for temporary concessions are being reviewed upwards with the intent to gradually phase them out.
These amendments are considered necessary to support the growing economy and will lead to a revenue yield of approximately GH₵1.290 billion.
Excise Duty (Amendment) Bill, 2022
The object of the Excise Duty (Amendment) Bill, 2022 is to amend the Excise Duty Act, 2014 (Act 878) to revise the excise tax rates for cigarettes and other tobacco products to conform with the Economic Community of West African States (ECOWAS) Protocols and raise revenue to mitigate the harmful effects of these excisable products.
The Bill will increase the excise duty in respect of wine, malt drinks and spirits; and impose excise duty on sweetened beverages and electronic cigarettes and electronic liquids to increase revenue.
The ECOWAS directive on the harmonisation of excise duties on tobacco products directs that the excise duty on tobacco products must include an ad valorem duty and a specific duty.
Specifically, the ad valorem rate is required to be 50% or more while the specific tax is required to be the minimum equivalent of $0.02 per stick in the case of cigarette, cigar and cigarillo and the cedi equivalent of $20 per net kilogramme for all other tobacco products.
The Bill also seeks to amend Act 878 to implement this Directive in line with Ghana being a member of ECOWAS.
There has been an increase in the use of electronic cigarettes and other smoking devices over the last decade.
Currently, these products do not attract excise duty, but Excise duty will be imposed on these products as the nicotine and other chemicals used as additives are also harmful.
Apart from mineral waters and malt drinks, all other sweetened beverages, including processed fruit juices do not attract excise duty.
The Bill amends Act 878 to impose excise duties on these products and increase the excise duty on mineral waters and malt drinks.
Spirits have a higher alcohol content compared to beer but the excise duty on spirits is lower than that of beer.
To address this, the excise duty on spirits is being raised above that of beer in accordance with good practice on the imposition of excise duties.
Consequentially, the excise duty on wines has been reviewed upwards.
For ease of reference and the record, the descriptions of the various products are being revised to conform to the World Customs Organisation Harmonised Commodity Description and Coding System.
The Bill amends Act 878 by substituting the First Schedule with a new Schedule.
The rationale for the amendment is to revise the excise tax rates for cigarettes and other tobacco products to align with the ECOWAS Protocols and impose new excise tax rates on sweetened beverages.
The passage of the Bill will yield approximately GH₵450 million.
Growth and Sustainability Levy
The object of the Bill is to impose a special levy to be known as the Growth and Sustainability Levy to raise revenue for growth and fiscal sustainability of the economy.
The Coronavirus Disease (COVID-19) pandemic led to a significant reduction in revenues and increased expenditure enormously.
The double jeopardy of the Russian-Ukraine war has also resulted in unprecedented global crises, depreciation in currencies and impacted living conditions and inflation levels.
The Ghanaian economy has not been spared these shocks.
Further interventions are required to raise additional revenue for national development and social protection for the vulnerable.
The introduction of the Growth and Sustainability Levy is part of Government’s efforts to raise funds for carrying out these interventions.
The Levy is to be imposed on profit before tax of the companies and institutions and on· production in the case of mining, upstream oil and gas companies specified in the first column of the Schedule.
The estimated revenue for 2023 is approximately GH₵2.216 billion.
The Levy is subject to review by the Minister responsible for Finance in 2025.
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