Hon. Ahmed Ibrahim says he wants to introduce a new National Housing Levy, but he is scared the people of Ghana will revolt.
He should be. And not because fellow countrymen and women hate paying for development, but because we know how to count.
Before anyone proposes another payroll deduction to close our 1.8 million-unit housing deficit, run the maths on the laws and money we already have:
▪️Eighteen years ago, Parliament passed the National Pensions Act, 2008 (Act 766). Sections 103(2) and 114(2) explicitly allow every worker to use their mandatory Tier 2 and voluntary Tier 3 pension funds to secure a mortgage for a primary home.
▪️By the end of 2025, private Tier 2 and Tier 3 pension funds had accumulated a staggering GH₵79.8 billion. Yet according to Table 28 of the NPRA’s audited Annual Report, out of more than 3 million contributors, how many workers got approval to use their pension for a primary home mortgage in a full year? Just 20.
▪️Why did only 20 people succeed? Because Section 103 only gives the bank a paper guarantee, not cheap cash liquidity, leaving banks charging 24% to 28% interest on a standard 3-bedroom Accra house that now costs GH₵890,000. At 24% interest, the monthly payment is GH₵18,000. A teacher or nurse earning GH₵6,000 is disqualified at the bank’s front door.
▪️Meanwhile, three borders east in Benin, a brand-new 3-bedroom social villa at Ouèdo costs US$37,500 (30–40% cheaper than Ghana), and any public or private worker can move in with zero deposit and pay roughly GH₵2,500 (97,000 FCFA) a month over 25 years under a rent-to-own scheme.
▪️Benin didn't achieve that by slapping a new tax on workers to subsidise cement cartels and inflated contractor bills. Benin's state absorbed the 30% infrastructure surcharge (roads, storm drains, water mains, and power grids) before pricing the houses, and set up a bank-led delivery vehicle (SImAU) to buy materials in bulk across 10,800 homes at once.
We don't need a new National Housing Levy. We need to:
1. Channel just 5% (GH₵4 billion) of our existing GH₵79.8B Tier 2/3 pension pool into a privately governed housing SPV (controlled by Trustees, TUC/CLOGSAG, and banks—zero politicians) to fund single-digit rent-to-own mortgages.
2. Synchronise 15% of existing Roads, Energy (ECG), Drainage (Hydro), and Ghana Water capital budgets to service housing land banks upfront instead of retrofitting unplanned slums at triple the cost.
3. Break the asymmetric pricing cartel in cement and steel through bulk factory-gate off-take and CSIR pozzolana/burnt clay brick mandates.
4. Partner with Stools and Families on a Land-for-Equity basis under Act 1036.
You cannot tax a nation into affordability while leaving a cartelised, high-cost supply chain untouched. Fix the plumbing before turning on the tap.
What stops us from using the GH₵79.8 billion we already have under Act 766 before asking workers for another pesewa?
By Sitsofe John
#Ghana #HousingDeficit #PublicPolicy #Act766 #Pensions #EconomicGovernance
He should be. And not because fellow countrymen and women hate paying for development, but because we know how to count.
Before anyone proposes another payroll deduction to close our 1.8 million-unit housing deficit, run the maths on the laws and money we already have:
▪️Eighteen years ago, Parliament passed the National Pensions Act, 2008 (Act 766). Sections 103(2) and 114(2) explicitly allow every worker to use their mandatory Tier 2 and voluntary Tier 3 pension funds to secure a mortgage for a primary home.
▪️By the end of 2025, private Tier 2 and Tier 3 pension funds had accumulated a staggering GH₵79.8 billion. Yet according to Table 28 of the NPRA’s audited Annual Report, out of more than 3 million contributors, how many workers got approval to use their pension for a primary home mortgage in a full year? Just 20.
▪️Why did only 20 people succeed? Because Section 103 only gives the bank a paper guarantee, not cheap cash liquidity, leaving banks charging 24% to 28% interest on a standard 3-bedroom Accra house that now costs GH₵890,000. At 24% interest, the monthly payment is GH₵18,000. A teacher or nurse earning GH₵6,000 is disqualified at the bank’s front door.
▪️Meanwhile, three borders east in Benin, a brand-new 3-bedroom social villa at Ouèdo costs US$37,500 (30–40% cheaper than Ghana), and any public or private worker can move in with zero deposit and pay roughly GH₵2,500 (97,000 FCFA) a month over 25 years under a rent-to-own scheme.
▪️Benin didn't achieve that by slapping a new tax on workers to subsidise cement cartels and inflated contractor bills. Benin's state absorbed the 30% infrastructure surcharge (roads, storm drains, water mains, and power grids) before pricing the houses, and set up a bank-led delivery vehicle (SImAU) to buy materials in bulk across 10,800 homes at once.
We don't need a new National Housing Levy. We need to:
1. Channel just 5% (GH₵4 billion) of our existing GH₵79.8B Tier 2/3 pension pool into a privately governed housing SPV (controlled by Trustees, TUC/CLOGSAG, and banks—zero politicians) to fund single-digit rent-to-own mortgages.
2. Synchronise 15% of existing Roads, Energy (ECG), Drainage (Hydro), and Ghana Water capital budgets to service housing land banks upfront instead of retrofitting unplanned slums at triple the cost.
3. Break the asymmetric pricing cartel in cement and steel through bulk factory-gate off-take and CSIR pozzolana/burnt clay brick mandates.
4. Partner with Stools and Families on a Land-for-Equity basis under Act 1036.
You cannot tax a nation into affordability while leaving a cartelised, high-cost supply chain untouched. Fix the plumbing before turning on the tap.
What stops us from using the GH₵79.8 billion we already have under Act 766 before asking workers for another pesewa?
By Sitsofe John
#Ghana #HousingDeficit #PublicPolicy #Act766 #Pensions #EconomicGovernance
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See who l ran into this afternoon! Ladies and gentlemen, please I.D your most efficient and omnipresent regional minister, who happens to be a good satirist too.
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So you were part of the Committee to rescue the Cedi?FC?
FC: Yes, but we were to advice, not manage the Cedi. Anyways, I have learned my lesson. When you see a snake, kill it. Don't go setting up a committee on snakes :) Koklo
FC: Yes, but we were to advice, not manage the Cedi. Anyways, I have learned my lesson. When you see a snake, kill it. Don't go setting up a committee on snakes :) Koklo
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Ghana’s GH¢49.72 Million Evacuation Dispute: What Does the Evidence Establish?
In a revised documentary review prepared for IMANI Centre for Policy and Education, Kay Codjoe examines the reported GH¢49.72 million expenditure on Ghana’s evacuation of nationals from South Africa between May and September 2026. The analysis scrutinises the Ministry of Foreign Affairs’ expenditure breakdown, passenger records, procurement documentation and allowance payments amid competing claims about the exercise.
The review distinguishes figures that can be arithmetically reconciled from claims that still require independent verification. It also clarifies that the Minority’s estimated GH¢16.42 million in disputed financial exposure is not an established amount stolen or lost.
The analysis highlights:
🔸 Expenditure reconciliation: The Ministry’s published schedule totals GH¢49,721,786, reportedly financed through GH¢33,721,786 in government funds and a GH¢16 million contribution from Engineers & Planners.
🔸 Passenger records: The published flight schedule adds up to 1,964 passengers, but this arithmetic does not independently establish actual travel or payment records.
🔸 Disputed financial exposure: The Minority’s GH¢16,423,470 estimate raises questions requiring reconciliation, but its components rely on different assumptions and may overlap.
🔸 Independent audit: A transaction-level examination should scrutinise charter and commercial flight costs, allowance acknowledgements, receipts for minors, the private contribution and disputed supporting documents.
“These are arithmetical reconciliations, not independent assurance about actual travel, payment or procurement compliance.”
At IMANI, rigorous public financial scrutiny requires distinguishing documented figures from unresolved allegations. The way forward is an independent audit that traces transactions to supporting records, establishes what the evidence can verify and addresses outstanding discrepancies transparently.
Read the full analysis on our website:
🔗 imaniafrica.org/2026/10/the-gh…
#IMANIvoices #Ghana #PublicAccountability #PublicFinance #Transparency
In a revised documentary review prepared for IMANI Centre for Policy and Education, Kay Codjoe examines the reported GH¢49.72 million expenditure on Ghana’s evacuation of nationals from South Africa between May and September 2026. The analysis scrutinises the Ministry of Foreign Affairs’ expenditure breakdown, passenger records, procurement documentation and allowance payments amid competing claims about the exercise.
The review distinguishes figures that can be arithmetically reconciled from claims that still require independent verification. It also clarifies that the Minority’s estimated GH¢16.42 million in disputed financial exposure is not an established amount stolen or lost.
The analysis highlights:
🔸 Expenditure reconciliation: The Ministry’s published schedule totals GH¢49,721,786, reportedly financed through GH¢33,721,786 in government funds and a GH¢16 million contribution from Engineers & Planners.
🔸 Passenger records: The published flight schedule adds up to 1,964 passengers, but this arithmetic does not independently establish actual travel or payment records.
🔸 Disputed financial exposure: The Minority’s GH¢16,423,470 estimate raises questions requiring reconciliation, but its components rely on different assumptions and may overlap.
🔸 Independent audit: A transaction-level examination should scrutinise charter and commercial flight costs, allowance acknowledgements, receipts for minors, the private contribution and disputed supporting documents.
“These are arithmetical reconciliations, not independent assurance about actual travel, payment or procurement compliance.”
At IMANI, rigorous public financial scrutiny requires distinguishing documented figures from unresolved allegations. The way forward is an independent audit that traces transactions to supporting records, establishes what the evidence can verify and addresses outstanding discrepancies transparently.
Read the full analysis on our website:
🔗 imaniafrica.org/2026/10/the-gh…
#IMANIvoices #Ghana #PublicAccountability #PublicFinance #Transparency
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Ghana’s GH¢49.72 Million Evacuation Dispute: What Does the Evidence Establish?
In a revised documentary review prepared for IMANI Centre for Policy and Education, Kay Codjoe examines the reported GH¢49.72 million expenditure on Ghana’s evacuation of nationals from South Africa between May and September 2026. The analysis scrutinises the Ministry of Foreign Affairs’ expenditure breakdown, passenger records, procurement documentation and allowance payments amid competing claims about the exercise.
The review distinguishes figures that can be arithmetically reconciled from claims that still require independent verification. It also clarifies that the Minority’s estimated GH¢16.42 million in disputed financial exposure is not an established amount stolen or lost.
The analysis highlights:
🔸 Expenditure reconciliation: The Ministry’s published schedule totals GH¢49,721,786, reportedly financed through GH¢33,721,786 in government funds and a GH¢16 million contribution from Engineers & Planners.
🔸 Passenger records: The published flight schedule adds up to 1,964 passengers, but this arithmetic does not independently establish actual travel or payment records.
🔸 Disputed financial exposure: The Minority’s GH¢16,423,470 estimate raises questions requiring reconciliation, but its components rely on different assumptions and may overlap.
🔸 Independent audit: A transaction-level examination should scrutinise charter and commercial flight costs, allowance acknowledgements, receipts for minors, the private contribution and disputed supporting documents.
“These are arithmetical reconciliations, not independent assurance about actual travel, payment or procurement compliance.”
At IMANI, rigorous public financial scrutiny requires distinguishing documented figures from unresolved allegations. The way forward is an independent audit that traces transactions to supporting records, establishes what the evidence can verify and addresses outstanding discrepancies transparently.
Read the full analysis on our website:
🔗 imaniafrica.org/2026/10/the-gh…
#IMANIvoices #Ghana #PublicAccountability #PublicFinance #Transparency
In a revised documentary review prepared for IMANI Centre for Policy and Education, Kay Codjoe examines the reported GH¢49.72 million expenditure on Ghana’s evacuation of nationals from South Africa between May and September 2026. The analysis scrutinises the Ministry of Foreign Affairs’ expenditure breakdown, passenger records, procurement documentation and allowance payments amid competing claims about the exercise.
The review distinguishes figures that can be arithmetically reconciled from claims that still require independent verification. It also clarifies that the Minority’s estimated GH¢16.42 million in disputed financial exposure is not an established amount stolen or lost.
The analysis highlights:
🔸 Expenditure reconciliation: The Ministry’s published schedule totals GH¢49,721,786, reportedly financed through GH¢33,721,786 in government funds and a GH¢16 million contribution from Engineers & Planners.
🔸 Passenger records: The published flight schedule adds up to 1,964 passengers, but this arithmetic does not independently establish actual travel or payment records.
🔸 Disputed financial exposure: The Minority’s GH¢16,423,470 estimate raises questions requiring reconciliation, but its components rely on different assumptions and may overlap.
🔸 Independent audit: A transaction-level examination should scrutinise charter and commercial flight costs, allowance acknowledgements, receipts for minors, the private contribution and disputed supporting documents.
“These are arithmetical reconciliations, not independent assurance about actual travel, payment or procurement compliance.”
At IMANI, rigorous public financial scrutiny requires distinguishing documented figures from unresolved allegations. The way forward is an independent audit that traces transactions to supporting records, establishes what the evidence can verify and addresses outstanding discrepancies transparently.
Read the full analysis on our website:
🔗 imaniafrica.org/2026/10/the-gh…
#IMANIvoices #Ghana #PublicAccountability #PublicFinance #Transparency
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4 years ago today, the National Commission on Small Arms and Light Weapons said it had identified 4098 spots across Ghana it describef as "flashpoints".The NPP & NDC disagreed and asked the Commission to provide better details. As one MP said "It does appears any reported case of domestic quarrel passes as a flashpoint". I don't know if the Commission has updated its record 6 years on.🤪
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Franklin CUDJOE retweeted
On 13 October 2026, an IMANI delegation led by @lordcudjoe, with Associates John Mensah & @kaycodjoe, engaged the Minister for Fisheries and Aquaculture, Emelia Arthur, and her technical team to examine the economic realities and investment priorities of Ghana’s fisheries sector.
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Franklin CUDJOE retweeted
𝗥𝗲𝗳𝗹𝗲𝗰𝘁𝗶𝗼𝗻𝘀 𝗳𝗿𝗼𝗺 𝗕𝗮𝗻𝗴𝗸𝗼𝗸: 𝘄𝗵𝗮𝘁 𝗚𝗵𝗮𝗻𝗮’𝘀 𝘁𝘂𝗿𝗻𝗮𝗿𝗼𝘂𝗻𝗱 𝘁𝗮𝘂𝗴𝗵𝘁 𝗺𝗲 𝗮𝘁 𝘁𝗵𝗲 𝟮𝟬𝟮𝟲 𝗜𝗠𝗙 𝗮𝗻𝗱 𝗪𝗼𝗿𝗹𝗱 𝗕𝗮𝗻𝗸 𝗔𝗻𝗻𝘂𝗮𝗹 𝗠𝗲𝗲𝘁𝗶𝗻𝗴𝘀
Back from the 2026 IMF and World Bank Annual Meetings in Bangkok with the Ghana Dr Cassiel Ato Forson. Below, I share some reflections from the various panels I participated in and a week of bilateral meetings.
𝟭. 𝗚𝗵𝗮𝗻𝗮’𝘀 𝘁𝘂𝗿𝗻𝗮𝗿𝗼𝘂𝗻𝗱, 𝗮𝗻𝗱 𝘁𝗵𝗲 𝗰𝗮𝘀𝗲 𝗳𝗼𝗿 𝗽𝗿𝗲𝗽𝗮𝗿𝗶𝗻𝗴 𝗯𝗲𝗳𝗼𝗿𝗲 𝘁𝗵𝗲 𝗰𝗿𝗶𝘀𝗶𝘀
Ghana’s turnaround is real, and it was built on preparation. Debt is down from over 80 per cent of GDP in 2022 to 45 per cent, inflation from above 50 per cent to under 6 per cent, reserves around five months of import cover. We rebuilt external buffers deliberately and are pre-funding the 2027 to 2028 repayments through a sinking fund and other sources. Internally, PFM reforms put commitment control at the centre: no commitment without an allotment and cash backing, hard fiscal rules, an Independent Fiscal Council and a Value for Money Office. Arrears were one of the back doors to the last crisis. Commitment authorisation has largely helped contain this.
𝟮. 𝗧𝗮𝘅 𝗿𝗲𝗳𝗼𝗿𝗺 𝗮𝗻𝗱 𝘁𝗵𝗲 𝗾𝘂𝗶𝗲𝘁 𝗿𝗲𝘃𝗼𝗹𝘂𝘁𝗶𝗼𝗻 𝗼𝗳 𝗔𝗜 𝗶𝗻 𝗮𝗱𝗺𝗶𝗻𝗶𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻
Effective tax administration beats new taxes. Publican, our AI-driven customs valuation system, lifted assessed values by more than US$300 million, a 17.5 per cent increase, without a single new rate. AI in tax administration could be one of the low hanging fruits to improve domestic revenue mobilisation and increase fiscal space on the continent.
𝟯. 𝗦𝗼𝘃𝗲𝗿𝗲𝗶𝗴𝗻 𝗱𝗲𝗯𝘁
On sovereign debt, Ghana's 2022 restructuring was painful for pensioners, banks and businesses, and we have vowed never to repeat it. The next crisis for many countries may not come from central government borrowing but from other perimeters such as SOEs, take-or-pay power contracts, guarantees. Debt governance must move from counting loans to authorising and pricing risk wherever it sits. Second, the current resolution architecture still treats non-bond creditors as an afterthought in restructurings; comparability of treatment needs a transparent, rules-based test if countries are to exit defaults and recover faster.
𝟰. 𝗔𝗳𝗿𝗶𝗰𝗮’𝘀 𝗴𝗿𝗲𝗲𝗻 𝗴𝗿𝗼𝘄𝘁𝗵 𝗮𝗻𝗱 𝗶𝗻𝗱𝘂𝘀𝘁𝗿𝗶𝗮𝗹 𝗽𝗼𝗹𝗶𝗰𝘆
On green growth, most of the tension between development and transition is a constraint, not a trade-off. Green investment becomes transformation only when the state also puts in skin in the game. Ghana’s 𝗡𝗲𝘄 𝗘𝗰𝗼𝗻𝗼𝗺𝘆 𝗣𝗿𝗼𝗴𝗿𝗮𝗺𝗺𝗲 seeks to invest US$10 billion over five years in nine key sectors including textiles and garments, agriculture and agribusiness, pharmaceuticals, and tourism. The programme would be financed from domestic resources rather than borrowing.
𝟱. 𝗔𝗱𝘃𝗮𝗻𝗰𝗶𝗻𝗴 𝗔𝗳𝗿𝗶𝗰𝗮’𝘀 𝗽𝗿𝗶𝗼𝗿𝗶𝘁𝗶𝗲𝘀 𝗶𝗻 𝘁𝗵𝗲 𝗨𝗡 𝗙𝗿𝗮𝗺𝗲𝘄𝗼𝗿𝗸 𝗖𝗼𝗻𝘃𝗲𝗻𝘁𝗶𝗼𝗻 𝗼𝗻 𝗜𝗻𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗧𝗮𝘅 𝗖𝗼𝗼𝗽𝗲𝗿𝗮𝘁𝗶𝗼𝗻
On the UN Framework Convention on International Tax Cooperation, Africa is negotiating as a rule-maker for the first time. Equitable taxing rights, the digital economy and illicit flows are the priorities. But a convention is only as strong as the administrations that enforce it - this is the point I made on need for enhanced capacity building of state institutions.
𝟲. 𝗕𝗮𝗻𝗴𝗸𝗼𝗸, 𝗮𝗻𝗱 𝘁𝗵𝗲 𝗘𝗮𝘀𝘁 𝗔𝘀𝗶𝗮𝗻 𝗺𝗶𝗿𝗿𝗼𝗿
Bangkok itself is the lesson. Thailand rebuilt after 1997 with reserves, local-currency markets and patient industrial policy, and is today a modern ASEAN economy with vibrant services and manufacturing. Sequencing, macro stability first, and FDI tied to local suppliers are lessons Africa can take from the East Asian story.
#IMFWBAnnualMeetings2026 #Ghana #PublicFinance #SovereignDebt #GreenGrowth #UNTaxConvention
Back from the 2026 IMF and World Bank Annual Meetings in Bangkok with the Ghana Dr Cassiel Ato Forson. Below, I share some reflections from the various panels I participated in and a week of bilateral meetings.
𝟭. 𝗚𝗵𝗮𝗻𝗮’𝘀 𝘁𝘂𝗿𝗻𝗮𝗿𝗼𝘂𝗻𝗱, 𝗮𝗻𝗱 𝘁𝗵𝗲 𝗰𝗮𝘀𝗲 𝗳𝗼𝗿 𝗽𝗿𝗲𝗽𝗮𝗿𝗶𝗻𝗴 𝗯𝗲𝗳𝗼𝗿𝗲 𝘁𝗵𝗲 𝗰𝗿𝗶𝘀𝗶𝘀
Ghana’s turnaround is real, and it was built on preparation. Debt is down from over 80 per cent of GDP in 2022 to 45 per cent, inflation from above 50 per cent to under 6 per cent, reserves around five months of import cover. We rebuilt external buffers deliberately and are pre-funding the 2027 to 2028 repayments through a sinking fund and other sources. Internally, PFM reforms put commitment control at the centre: no commitment without an allotment and cash backing, hard fiscal rules, an Independent Fiscal Council and a Value for Money Office. Arrears were one of the back doors to the last crisis. Commitment authorisation has largely helped contain this.
𝟮. 𝗧𝗮𝘅 𝗿𝗲𝗳𝗼𝗿𝗺 𝗮𝗻𝗱 𝘁𝗵𝗲 𝗾𝘂𝗶𝗲𝘁 𝗿𝗲𝘃𝗼𝗹𝘂𝘁𝗶𝗼𝗻 𝗼𝗳 𝗔𝗜 𝗶𝗻 𝗮𝗱𝗺𝗶𝗻𝗶𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻
Effective tax administration beats new taxes. Publican, our AI-driven customs valuation system, lifted assessed values by more than US$300 million, a 17.5 per cent increase, without a single new rate. AI in tax administration could be one of the low hanging fruits to improve domestic revenue mobilisation and increase fiscal space on the continent.
𝟯. 𝗦𝗼𝘃𝗲𝗿𝗲𝗶𝗴𝗻 𝗱𝗲𝗯𝘁
On sovereign debt, Ghana's 2022 restructuring was painful for pensioners, banks and businesses, and we have vowed never to repeat it. The next crisis for many countries may not come from central government borrowing but from other perimeters such as SOEs, take-or-pay power contracts, guarantees. Debt governance must move from counting loans to authorising and pricing risk wherever it sits. Second, the current resolution architecture still treats non-bond creditors as an afterthought in restructurings; comparability of treatment needs a transparent, rules-based test if countries are to exit defaults and recover faster.
𝟰. 𝗔𝗳𝗿𝗶𝗰𝗮’𝘀 𝗴𝗿𝗲𝗲𝗻 𝗴𝗿𝗼𝘄𝘁𝗵 𝗮𝗻𝗱 𝗶𝗻𝗱𝘂𝘀𝘁𝗿𝗶𝗮𝗹 𝗽𝗼𝗹𝗶𝗰𝘆
On green growth, most of the tension between development and transition is a constraint, not a trade-off. Green investment becomes transformation only when the state also puts in skin in the game. Ghana’s 𝗡𝗲𝘄 𝗘𝗰𝗼𝗻𝗼𝗺𝘆 𝗣𝗿𝗼𝗴𝗿𝗮𝗺𝗺𝗲 seeks to invest US$10 billion over five years in nine key sectors including textiles and garments, agriculture and agribusiness, pharmaceuticals, and tourism. The programme would be financed from domestic resources rather than borrowing.
𝟱. 𝗔𝗱𝘃𝗮𝗻𝗰𝗶𝗻𝗴 𝗔𝗳𝗿𝗶𝗰𝗮’𝘀 𝗽𝗿𝗶𝗼𝗿𝗶𝘁𝗶𝗲𝘀 𝗶𝗻 𝘁𝗵𝗲 𝗨𝗡 𝗙𝗿𝗮𝗺𝗲𝘄𝗼𝗿𝗸 𝗖𝗼𝗻𝘃𝗲𝗻𝘁𝗶𝗼𝗻 𝗼𝗻 𝗜𝗻𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗧𝗮𝘅 𝗖𝗼𝗼𝗽𝗲𝗿𝗮𝘁𝗶𝗼𝗻
On the UN Framework Convention on International Tax Cooperation, Africa is negotiating as a rule-maker for the first time. Equitable taxing rights, the digital economy and illicit flows are the priorities. But a convention is only as strong as the administrations that enforce it - this is the point I made on need for enhanced capacity building of state institutions.
𝟲. 𝗕𝗮𝗻𝗴𝗸𝗼𝗸, 𝗮𝗻𝗱 𝘁𝗵𝗲 𝗘𝗮𝘀𝘁 𝗔𝘀𝗶𝗮𝗻 𝗺𝗶𝗿𝗿𝗼𝗿
Bangkok itself is the lesson. Thailand rebuilt after 1997 with reserves, local-currency markets and patient industrial policy, and is today a modern ASEAN economy with vibrant services and manufacturing. Sequencing, macro stability first, and FDI tied to local suppliers are lessons Africa can take from the East Asian story.
#IMFWBAnnualMeetings2026 #Ghana #PublicFinance #SovereignDebt #GreenGrowth #UNTaxConvention
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Ei,ebi here you reach? Make you tell how you would ensure economic stability, fiscal discipline and ensure everyone is liberated and free from poverty. Please be mindful about repeating ideas that last saw our macroecomic numbers under your watch dancing off beat and eventually landed our economy in junk-rated territory with devastating and damaging financial haircuts facebook.com/share/v/1BzZSM…
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BBC World Service NOW!
"World of Secrets" , a gut-wrenching documentary about teachers who abuse female students
"World of Secrets" , a gut-wrenching documentary about teachers who abuse female students
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Keep alert and pray. Otherwise temptation will overpower you. For though the spirit is willing enough, the body is weak!"
Matthew 26:41
Matthew 26:41
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Ghana’s Health Sector Reforms: Expanding Access While Addressing Systemic Challenges
IMANI Research Associate, Ransford Brobbey, has examined Ghana’s health sector reforms for 2025–2026, assessing the financing changes, service delivery initiatives and structural challenges shaping the sector’s direction.
The report analyses the government’s three-tier healthcare delivery model, comprising Free Primary Healthcare (FPHC), the National Health Insurance Scheme (NHIS) and the Ghana Medical Trust Fund, also known as MahamaCares. It highlights the potential of expanded health financing and revised NHIS tariffs to improve access, while raising questions about fiscal sustainability, healthcare employment, infrastructure delivery and the transition towards domestic financing.
The report highlights:
🔸 Health financing and access: Uncapping the National Health Insurance Levy has expanded NHIS allocations, while revised tariffs aim to improve provider reimbursement and reduce informal out-of-pocket payments.
🔸 Free Primary Healthcare: The programme shifts greater attention towards preventive care, community screening and reducing financial barriers at primary healthcare facilities.
🔸 Health workforce pressures: Annual training output continues to exceed the public sector’s capacity to absorb healthcare professionals, contributing to unemployment and posting backlogs.
🔸 Sustainable reform: The report recommends stronger vaccine financing safeguards, inflation-linked NHIS tariffs, clearer referral systems and structured partnerships to complete stalled Agenda 111 facilities.
The analysis underscores that expanding healthcare access must be matched by sustainable financing, effective implementation and workforce planning to secure lasting improvements in service delivery.
Read the full report on our website:
🔗 imaniafrica.org/2026/10/report…
#IMANI #Ghana #HealthSector #HealthcareReform #NHIS #PublicPolicy #HealthFinancing
IMANI Research Associate, Ransford Brobbey, has examined Ghana’s health sector reforms for 2025–2026, assessing the financing changes, service delivery initiatives and structural challenges shaping the sector’s direction.
The report analyses the government’s three-tier healthcare delivery model, comprising Free Primary Healthcare (FPHC), the National Health Insurance Scheme (NHIS) and the Ghana Medical Trust Fund, also known as MahamaCares. It highlights the potential of expanded health financing and revised NHIS tariffs to improve access, while raising questions about fiscal sustainability, healthcare employment, infrastructure delivery and the transition towards domestic financing.
The report highlights:
🔸 Health financing and access: Uncapping the National Health Insurance Levy has expanded NHIS allocations, while revised tariffs aim to improve provider reimbursement and reduce informal out-of-pocket payments.
🔸 Free Primary Healthcare: The programme shifts greater attention towards preventive care, community screening and reducing financial barriers at primary healthcare facilities.
🔸 Health workforce pressures: Annual training output continues to exceed the public sector’s capacity to absorb healthcare professionals, contributing to unemployment and posting backlogs.
🔸 Sustainable reform: The report recommends stronger vaccine financing safeguards, inflation-linked NHIS tariffs, clearer referral systems and structured partnerships to complete stalled Agenda 111 facilities.
The analysis underscores that expanding healthcare access must be matched by sustainable financing, effective implementation and workforce planning to secure lasting improvements in service delivery.
Read the full report on our website:
🔗 imaniafrica.org/2026/10/report…
#IMANI #Ghana #HealthSector #HealthcareReform #NHIS #PublicPolicy #HealthFinancing
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My friends, do you have an idea why these two audit reports have been stepped down by Republic's Account Committee?
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Photos from IMANI 's SYPALA 2008-- There are two accomplished persons in thess photos giving off their diligently acquired academic and technocratic experience to mother Ghana. Spot the two and win a ticket to the next football match between Lolobi Eleven Stars and Kokompe e the two.
SYPALA - The Students and Young Professionals African Liberty Academy (SYPALA) is a premier leadership and intellectual development initiative of IMANI Centre for Policy and Education, committed to cultivating the next generation of African leaders and public thinkers.
The Academy convenes exceptional students and young professionals from across Africa to engage with the ideas, institutions, and policy challenges that will shape the continent’s future. Through rigorous learning, dialogue, mentorship, and practical policy engagement, SYPALA equips participants with the intellectual foundation and leadership capacity to contribute meaningfully to the advancement of liberty, good governance, and sustainable prosperity across Africa.
SYPALA - The Students and Young Professionals African Liberty Academy (SYPALA) is a premier leadership and intellectual development initiative of IMANI Centre for Policy and Education, committed to cultivating the next generation of African leaders and public thinkers.
The Academy convenes exceptional students and young professionals from across Africa to engage with the ideas, institutions, and policy challenges that will shape the continent’s future. Through rigorous learning, dialogue, mentorship, and practical policy engagement, SYPALA equips participants with the intellectual foundation and leadership capacity to contribute meaningfully to the advancement of liberty, good governance, and sustainable prosperity across Africa.
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Coming up..."IMANI: Report and Analysis of Ghana's Health Sector Update and Strategic Reforms (2025–2026)". IMANI' s Ransford Brobbey compiles this report.
....IMANI 's Strategic Policy Recommendations
1. Establish a Statutory Health Emergency and Vaccine Security Fund
Legislate an inviolable statutory financing mechanism—carved directly out of uncapped NHIL and mineral royalties—to safeguard vaccine procurement and provide catastrophic first-24-hour trauma coverage, insulating preventive public health security from annual budgetary renegotiations.
2. Transition Nursing Trainee Allowances into the National Student Loan Trust
Decouple health professional training from discretionary state allowances. Rechannel the resulting fiscal savings directly into expanding mechanised employment quotas for licensed, unemployed healthcare personnel awaiting public posting.
3. Institutionalise Dynamic NHIS Tariff Indexation
Establish an independent Technical Tariff Review Committee mandated to adjust NHIS reimbursement schedules semi-annually against consumer inflation, medical import indices, and currency shifts, permanently preventing the resurgence of illicit out-of-pocket co-payments.
4.Legislate Mandatory Primary Gatekeeping and Rationalised Referrals
Enforce clear statutory protocols that require patients to obtain electronic referrals from accredited Tier 1 FPHC centres before accessing NHIS secondary reimbursement, reserving higher-tier facilities for true emergencies and complex pathology.
5. Formalise PPP Frameworks for Agenda 111 Infrastructure
Gazette standardised concession and management contracts that enable CHAG and non-profit private healthcare providers to complete, equip, and manage stalled Agenda 111 district hospitals under defined service-level agreements, with state-backed payroll coverage.
Read the full report when it goes live in a couple of hours..
....IMANI 's Strategic Policy Recommendations
1. Establish a Statutory Health Emergency and Vaccine Security Fund
Legislate an inviolable statutory financing mechanism—carved directly out of uncapped NHIL and mineral royalties—to safeguard vaccine procurement and provide catastrophic first-24-hour trauma coverage, insulating preventive public health security from annual budgetary renegotiations.
2. Transition Nursing Trainee Allowances into the National Student Loan Trust
Decouple health professional training from discretionary state allowances. Rechannel the resulting fiscal savings directly into expanding mechanised employment quotas for licensed, unemployed healthcare personnel awaiting public posting.
3. Institutionalise Dynamic NHIS Tariff Indexation
Establish an independent Technical Tariff Review Committee mandated to adjust NHIS reimbursement schedules semi-annually against consumer inflation, medical import indices, and currency shifts, permanently preventing the resurgence of illicit out-of-pocket co-payments.
4.Legislate Mandatory Primary Gatekeeping and Rationalised Referrals
Enforce clear statutory protocols that require patients to obtain electronic referrals from accredited Tier 1 FPHC centres before accessing NHIS secondary reimbursement, reserving higher-tier facilities for true emergencies and complex pathology.
5. Formalise PPP Frameworks for Agenda 111 Infrastructure
Gazette standardised concession and management contracts that enable CHAG and non-profit private healthcare providers to complete, equip, and manage stalled Agenda 111 district hospitals under defined service-level agreements, with state-backed payroll coverage.
Read the full report when it goes live in a couple of hours..
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