MTN’s long game on small business, A JBA analysis

For the roadside seamstress balancing a ledger she keeps by hand, or the young entrepreneur selling handmade goods with no collateral to show a bank, the promise of growth in Ghana has long collided with a familiar obstacle: the absence of paperwork, capital and connectivity that formal institutions demand. It is these small and medium-sized enterprises — the shopkeepers, tailors, food vendors and tech tinkerers who make up the bulk of commercial activity in the country’s economy — whose…