Advancing Young Women’s Financial Inclusion in Ghana

This reading deck focuses on the financial lives of young women aged 15-24 in Ghana, who make up about 10% of Ghana’s population. It highlights findings from segmentation analysis and qualitative research undertaken in 2024. Segmentation based on key livelihood and demographic factors revealed eight main segments of young women.

Qualitative research then detailed important aspects of the financial lives of two segments of particular interest to financial inclusion stakeholders – agri-business owners and in-school dependents – including: goals and concerns; financial service use; and barriers to and enablers of that use. The deck also contains respondent profiles that enable the reader to more deeply understand the financial behaviors, aspirations, and financial habits of young women in these two segments.

Disclaimer

This work was commissioned by CGAP and funded in whole or in part by CGAP as part of its Pushing the Frontiers of Women’s Economic Empowerment through Financial Inclusion project. Unlike CGAP’s official publications, the viewpoints and conclusions expressed are those of the authors and they may or may not reflect the views of CGAP staff.