Cash, company and business assets, inventory, consumer and household goods, and vehicles were the top five assets registered as collateral by Savings and Loans companies in Ghana in the second quarter of 2026.
Cash was by far the most common, with 65,091 registrations, followed by company and business assets with 7,614 and inventory or stock of goods with 7,590.
Consumer and household goods ranked fourth with 3,933 registrations, while vehicles completed the top five with 1,149.
The figures from the Bank of Ghana’s Collateral Registry show the extent to which cash featured in secured lending by Savings and Loans companies during the quarter. Cash alone accounted for about 72.9% of the 89,377 collateral assets registered by the lender category.
The prominence of company assets and inventory is also notable. Together, the two categories accounted for 15,204 registrations, suggesting that business-related assets formed a significant part of the collateral recorded by Savings and Loans companies.
For businesses, this means the assets tied to day-to-day operations, including stock and other business assets, featured among the more common forms of security registered against credit during the quarter.
Consumer and household goods also accounted for 3,933 registrations, while vehicles recorded 1,149. Buildings, by comparison, recorded 823 registrations.
The figures point to a collateral mix that extends beyond traditional fixed assets such as land and buildings, with cash and movable or business-related assets featuring prominently.
Savings and Loans companies recorded the highest number of collateral assets among the lender categories, accounting for 89,377 of the 117,428 assets registered across all lenders in Q2 2026.
Across all lender types, cash remained the dominant collateral category, with 80,673 registrations, representing 68.7% of total collateral assets registered during the quarter.
