By using this site, you agree to the Privacy Policy and Terms of Use.
Accept
The High Street Journal
  • HOME
  • BUSINESS & ECONOMY
  • NEWS & UPDATES
  • WORK & CAREERS
    • THSJ Resources
  • LEGAL INSIGHTS
  • INNOVATION
  • OPINIONS
  • #STOPGALAMSEY
The High Street JournalThe High Street Journal
Search
  • HOME
  • BUSINESS & ECONOMY
  • NEWS & UPDATES
  • WORK & CAREERS
    • THSJ Resources
  • LEGAL INSIGHTS
  • INNOVATION
  • OPINIONS
  • #STOPGALAMSEY
Follow US
© 2024 | The High Street Journal. All Rights Reserved.
Business & Economy

Women-Owned Businesses Face Working Capital Constraints Despite Growing Market Opportunities

Women-owned businesses face working capital shortages that constrain production and contract execution, prompting calls for affordable financing, stronger market linkages and institutional support to accelerate their growth.

Stanley Senya
Nov 11, 2026

Women-owned businesses in Ghana continue to face financing and cash-flow constraints that limit their ability to fulfil large contracts, expand production and participate in industrial supply chains, highlighting the need for more responsive financial support to unlock their economic potential.

According to the Chief Executive Officer of the Ghana Enterprises Agency (GEA), Ms Margaret Ansei, many women entrepreneurs struggle to execute large orders because buyers often operate on extended payment terms while suppliers demand immediate payment.

She said the mismatch creates working capital pressures that prevents businesses from scaling production, meeting contractual obligations and taking advantage of emerging market opportunities.

Speaking at the opening of the fifth Ghana Women Entrepreneurship Summit (GWES 2026) in Accra, she called for affordable financing, stronger institutional support and improved market access to strengthen the competitiveness of women-led enterprises.

The summit, held under the theme, “Empowering Women to Drive Trade, Innovation and Industrial Growth,” brought together government officials, financial institutions, development partners, industry leaders and women entrepreneurs to explore ways of expanding women’s participation in the economy.

READ ALSO

Ghana Takes Delivery of New Locomotives, Freight Wagons to Boost Cargo Rail Operations
Cargo Losses Threaten Working Capital as ICSG Pushes for Stronger Insurance Awareness Among Importers
MIIF Targets Foreign Capital To Unlock Ghana’s $528 Million Iron and Steel Import Substitution Potential
Three Banks Seek Non-Interest Licences as Ghana Targets US$10.5 Trillion Market

Ms Ansei stressed that financial institutions and business support organisations needed to develop financing products that reflected the operational realities of women-owned businesses, particularly their working capital requirements.

She also called for stronger collaboration among public institutions, the private sector and development partners to improve market linkages and create opportunities for women entrepreneurs to expand their operations.

The Vice-President, Professor Jane Naana Opoku-Agyemang, who joined Ms Ansei at the opening, reaffirmed government’s commitment to supporting women-owned businesses through improved access to finance, business development services and expanded market opportunities.

She said women’s participation in production, agro-processing, manufacturing and industrial development was critical to Ghana’s economic transformation.

“Ghana’s economic transformation depends on increasing production, processing more of what we grow, and building stronger links between local enterprises and larger industries. Women are central to this effort,” she said.

Professor Opoku-Agyemang said the country needed to move women-owned businesses beyond small-scale operations into commercial production, manufacturing and industrial supply chains.

She emphasised the importance of creating opportunities for women entrepreneurs to establish factories, increase production capacity and compete in domestic and international markets.

The Vice-President also identified the proposed Ghana Women’s Development Bank as a key intervention to address persistent financing challenges facing women entrepreneurs and improve their access to affordable financial services.

However, she noted that access to finance alone would not be sufficient to make women-owned businesses competitive.

She said entrepreneurs also needed the technical skills, quality standards, appropriate packaging and safety compliance required to supply larger buyers, supermarkets and export markets.

Professor Opoku-Agyemang said strengthening women’s participation in productive sectors would support job creation, industrial growth and broader economic transformation.

The discussions highlighted the need to address structural barriers confronting women-owned micro, small and medium enterprises (MSMEs), particularly limited access to working capital and markets, which continue to constrain their ability to transition into larger commercial operations.

For Ghana, improving the capacity of these enterprises could expand domestic production, strengthen local supply chains and increase the participation of women-owned businesses in trade and industrial development.

The GEA said it would continue working with stakeholders to strengthen enterprise development, improve business competitiveness, promote job creation and expand opportunities for women entrepreneurs to contribute to Ghana’s economic growth.

Share this:

  • Share on X (Opens in new window) X
  • Share on Facebook (Opens in new window) Facebook

Like this:

Like Loading…

Related

Subscribe to Our Newsletter
Subscribe to our newsletter to get our newest articles instantly!
[mc4wp_form]
Share This Article
Facebook Whatsapp Whatsapp LinkedIn Email
Previous Article MIIF Targets Foreign Capital To Unlock Ghana’s $528 Million Iron and Steel Import Substitution Potential
Next Article Ghana Takes Delivery of New Locomotives, Freight Wagons to Boost Cargo Rail Operations Cargo Losses Threaten Working Capital as ICSG Pushes for Stronger Insurance Awareness Among Importers
- Sponsored Content -
Ad imageAd image

LATEST NEWS

2027 Budget: Gov’t Rules Out New Taxes as it Unveils $10bn Economic Transformation Plan
News
2027 Budget: CERPA Outlines a 5-Point Recommendation for Consideration After a Pre-Budget Study
2027 Budget: CERPA Outlines a 5-Point Recommendation for Consideration After a Pre-Budget Study
Business & Economy
IFAD Announces Climate Adaptation Bond to Mobilise Funding for Small-Scale Farmers
IFAD Announces Climate Adaptation Bond to Mobilise Funding for Small-Scale Farmers
Global Perspectives & Leisure News
OPEC Fund, IsDB Launch Toolkit to Attract Investment in Nature-Based Projects Across African Cities
OPEC Fund, IsDB Launch Toolkit to Attract Investment in Nature-Based Projects Across African Cities
News
Invest Ghana Summit Offers Investors Access to 100 Projects, 19 Government Agencies
Invest in Ghana Summit Offers Investors Access to 100 Projects, 19 Government Agencies
Business & Economy News

You May Also Like

A Sigh of Relief for Ghana as Global Oil Prices Begin to Drop After Trump Announces Iran-Israel Ceasefire

A Sigh of Relief for Ghana as Global Oil Prices Begin to Drop After Trump Announces Iran-Israel Ceasefire

T-Bills Hit 41% Oversubscription Amid Interest Rate Drop Ahead of 2027 Budget Presentation

Gov’t Records 2nd Straight T-Bill Undersubscription at 20% as Yields Rise Further

Accra Mall, West Hill, and Kumasi City Sold- Deal Estimated at $200 MILLION

Driving Growth Through Dress Code: Strong Case Made for “Friday Wear” to be Extended to Thursday

Ghana’s Textile Industry Rakes in $31 Million in FDI Amidst Fierce Global Competition

Ghana’s Bond-Market Return Opens New Funding Channel For Long-Term Investment

Ghana Post’s ‘Mijo’ Targets Ride-Hailing Market With Zero-Commission Model, Tiered Driver Fees

Ghana Post’s ‘Mijo’ Targets Ride-Hailing Market With Zero-Commission Model, Tiered Driver Fees

Red Band Campaign Kicks Off : Government’s Response to Galamsey Crisis Falls Short

World Bank Spotlights Ghana’s NEIP in $9 Billion Agrifood Push to Create Jobs Across Africa

World Bank Spotlights Ghana’s NEIP in $9 Billion Agrifood Push to Create Jobs Across Africa

The High Street Journal

About Us

Delivering focused and insightful business perspectives; impacting lives.

Email: [email protected]

Useful Links

  • About
  • AI Strategy & Policy
  • Advertise
  • User Policy
  • Be a Guest Author
  • Contact Us
  • Sitemap

Stay Connected

© 2026 | The High Street Journal. All Rights Reserved.

%d