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# The CDC Group

Transforming Businesses, Impacting Communities

## Sitemaps

- [XML Sitemap](https://cdcconsult.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Lending to MSMEs in Ghana Open House](https://cdcconsult.com/lending-to-msmes-in-ghana-open-house/) - Lending to MSMEs in Ghana Open House
- [Hybrid Client Relationship Management Open House](https://cdcconsult.com/hybrid-client-relationship-management-open-house/) - Hybrid Client Relationship Management Open House
- [GCYE TRAININGS-Register here](https://cdcconsult.com/gcye-trainings-register-here/) - GCYE TRAININGS 🔗 Register here: https://forms.cloud.microsoft/r/8WCfAyH9VH
- [Building-an-SME-finance-ready-business.](https://cdcconsult.com/building-an-sme-finance-ready-business/)
- [Using-AI-to-grow-SME](https://cdcconsult.com/using-ai-to-grow-sme/)
- [DATA COLLECTION SERVICE](https://cdcconsult.com/data-collection-service/) - DATA COLLECTION SERVICE
- [CDC GROUP'S FINANCIAL SECTOR TRAINING CATALOGUE (ABRIDGED VERSION) 2026](https://cdcconsult.com/cdc-groups-financial-sector-training-catalogue-abridged-version-2026/) - CDC GROUP'S FINANCIAL SECTOR TRAINING CATALOGUE (ABRIDGED VERSION) 2026
- [ENTREPRENEURIAL DEVELOPMENT](https://cdcconsult.com/entrepreneurial-development/) - Entrepreneurial Development
- [PART 2 - THE RESIDENCY BASIS OF TAXATION](https://cdcconsult.com/part-2-the-residency-basis-of-taxation/) - Residency Base of Taxation in Ghana.
- [SOURCE BASIS OF TAXATION OF GHANA](https://cdcconsult.com/source-basis-of-taxation-of-ghana/) - Source Basis of Taxation in Ghana
- [IB/IGB FORUM MATERIALS](https://cdcconsult.com/ib-igb-forum-materials/) - What is the BoP What is IB and IGB Final IDR-BCM Final IB and IGB Business Lines Accreditation PFS Factsheet IB+IGB Forum Agenda
- [CONSULTANT TRAINEE PROGRAMME](https://cdcconsult.com/consultant-trainee-programme/) - The Graduate Trainee Programme is a year-long skill development opportunity that intends to create an ecosystem of thought-led professionals with real-world solutions
- [The Concepts of Inclusive Businesses (IB) and Inclusive and Green Businesses (IGB)](https://cdcconsult.com/green-and-inclusive-business-in-ghana-the-gibee-ghana-2/) - Introduction Inclusive Businesses (IB) are commercially viable business lines of private sector companies that create scaled-up, innovation, and systemic solutions for the relevant income and living standard problems of the poor and low-income people (BoP). Inclusive and Green Business (IGB) on the hand are commercially viable business line of private sector companies that create scaled-up,
- [Designing and implementing IB/IGB accreditation in Ghana](https://cdcconsult.com/green-and-inclusive-business-in-ghana-the-gibee-ghana-3/) - Background and IB/IGB Accreditation? The “Promoting a better enabling environment for Green and Inclusive Business in Ghana” (the GIBee) is a landscape study financed by the German Agency for International Cooperation (GIZ) through the Private and Financial Sector (PFS) programme and implemented in cooperation with the Ghana Enterprise Agency (GEA). The project is being implemented
- [Green and Inclusive Business in Ghana” (the GIBee Ghana)](https://cdcconsult.com/green-and-inclusive-business-in-ghana-the-gibee-ghana/) - Introduction The “Promoting a better enabling environment for Green and Inclusive Business in Ghana” (the GIBee) is a landscape study financed by the German Agency for International Cooperation (GIZ) through the Private and Financial Sector (PFS) programme and implemented in cooperation with the Ghana Enterprise Agency (GEA). The project is being implemented by CDC Consult
- [Ghana Government Support For Microfinance Institutions- Which Way?](https://cdcconsult.com/ghana-government-support-for-microfinance-institutions-which-way/) - Last week some microfinance industry practitioners were pushing for government support to recapitalize their MFIs to provide them with the much needed fuel to reposition their microfinance businesses. The writer’s thoughts on the expectations, merits, and demerits of the expectation and some considerations are presented. Expectation There is a growing expectation among microfinance institutions that
- [Should MFIs be worried on the back of revocation of licenses and consolidation of 5 banks in Ghana?](https://cdcconsult.com/should-mfis-be-worried-on-the-back-of-revocation-of-licenses-and-consolidation-of-5-banks-in-ghana/) - Someone called me on Friday 3rd August 2018 and asked, “chief, where is the banking sector going?” As a typical Ghanaian who answers questions with questions, I asked: “why do you ask?”. He, in turn, asked if I was the only stranger in Jerusalem? But I understood his question. As an industry watcher, I had
- [Is your fish rotten from the head? Is the board of your microfinance institution competent, and are you benefiting from the board’s competence?](https://cdcconsult.com/is-your-fish-rotten-from-the-head/) - Introduction Bob Garratt in the introductory section of his book, ‘The Fish Rots from the Head – The Crisis in Our Boardrooms: Developing the Crucial Skills of the Competent Director”, asked several thought provoking questions. Among others, he asked whether one is happy with what happens around the boardroom table and whether we are truly
- [Are There Growth opportunities in the Market For Microfinance Providers? Part 1](https://cdcconsult.com/are-there-growth-opportunities-in-the-market-for-microfinance-providers-part-1/) - This post reflects on a question I got from a provider friend last week. It is anchored in the current challenges most businesses are confronted with in the midst of market uncertainties. There are challenges relating to loan portfolio performance, deposits and investments. The loan quality is deteriorating for a number of reasons: individuals, micro
- [How Are Microfinance Providers Faring in the Midst of COVID-19?](https://cdcconsult.com/how-are-microfinance-providers-faring-in-the-midst-of-covid-19/) - Introduction The blog has not seen any post in a long while and COVID-19 is not the excuse. I had gone looking and doing other things but now I am back to the blog and will hopefully post once every two weeks. In the coming posts, I will present my thoughts on issues affecting microfinance
- [Ghana's Microfinance Sector – Structure, Status, Capitalisation, and Way Forward](https://cdcconsult.com/ghanas-microfinance-sector-structure-status-capitalisation-and-way-forward/) - Financial inclusion and microfinance institutions: The role of increased inclusive financial systems in promoting macroeconomic benefits and significant improvement in personal benefits to households, stability, and growth to enterprises is important. The Bank of Ghana has indicated it is working to increase financial inclusion from 58% at end of 2017 to 75% by the close
- [Professional Conduct in Ghana’s Insurance Industry – The Case of Sales Personnel](https://cdcconsult.com/professional-conduct-in-ghanas-insurance-industry-the-case-of-sales-personnel/) - Ghana’s insurance industry forms one of the largest business sectors contributing to the country’s economy. According to Statistica, as of the third quarter of the year 2021, a year after the COVID-19 pandemic, the finance and insurance sector contributed over GHS 3.43 billion to the country’s GDP1. The sector, aside contributing financially to the growth
- [The Complete Salesperson: Using Service To Improve Sales Outcomes](https://cdcconsult.com/the-complete-salesperson-using-service-to-improve-sales-outcomes/) - Introduction Sales and Marketing is undoubtedly the engine of business growth. While sales focuses on closing a deal, marketing involves all activities related to attracting and retaining customers. Generally, new customer acquisition is always more expensive than maintaining existing customers. As a result, every salesperson needs to understand how to delight customers to retain them
- [How Well Is Your MFC Adhering to the Client Protection Principles?](https://cdcconsult.com/how-well-is-your-mfc-adhering-to-the-client-protection-principles/) - The Client Protection Principles are basic principles in microfinance that aid microfinance providers to practice smart business and in the process exhibit good ethics. They are the minimum standards clients expect from us as providers. The question is, what do clients expect? Clients expect not only good service provision in terms of relation with them
- [Policing the Policeman: The Governance Role in Microfinance Companies](https://cdcconsult.com/policing-the-policeman-the-governance-role-in-microfinance-companies/) - Who polices the policeman? Funny as it may sound, it is a very important question that needs to be addressed in everybody’s life—be it on the personal or professional level. Who checks to determine if we are doing what we are supposed to do? At the beginning of every year, several people make New Year
- [Why The Need For A Credit Strategy](https://cdcconsult.com/why-the-need-for-a-credit-strategy/) - Effective management of the loan portfolio and the overall credit function is fundamental to an MFC’s soundness. Loan Portfolio Management (LPM) is the process by which risks that are inherent in the credit process are managed. The review of the LPM process is so important that it must be one of the primary oversight and management activities
- [Client Service Strategy](https://cdcconsult.com/client-service-strategy/) - Are you worried that you are not attracting and retaining clients? Are you hearing your clients complain about your services and products? Do you sincerely believe that you can serve your clients better than you are doing currently? And do you want your clients to serve as great ambassadors for your business? If you answer
- [Implementing Social Performance Management](https://cdcconsult.com/implementing-social-performance-management/) - This article was adapted from the Universal Standards for Social Performance Management Implementation Guide. There are key initiatives that are currently driving positive change in Ghana’s microfinance sector. Together, these initiatives can improve the perceptions and patronage of microfinance in the country. In this article, two initiatives are discussed: Social Performance Management (SPM) and Client
- [Re-Crafting The Image Of The Microfinance Industry](https://cdcconsult.com/re-crafting-the-image-of-the-microfinance-industry/) - In the mid-part of 2015, the mass media reported that directors of DKM Microfinance had diverted GHS77.26 million of depositors’ funds to subsidiary companies. The story dominated the mass media and many potential clients of MFCs recoiled into a shell of mistrust and doubt toward microfinance, the very innovation that seeks to alleviate poverty worldwide.
- [Ghana’s Microfinance Sector Under The Eye Glass](https://cdcconsult.com/ghanas-microfinance-sector-under-the-eye-glass/) - Microfinance is deep-rooted in the history of Ghana. The tradition of keeping money for emergencies or taking small loans from individuals and groups to self-start a business or for family ventures; from little susu to savings groups amongst traders, farmers, or members of a community, microfinance was practiced. Its practice has been said to have
- [Are Youth Savings Accounts Feasible in Ghana](https://cdcconsult.com/are-youth-savings-accounts-feasible-in-ghana/) - The adult population in Ghana’s microfinance sector and the broad financial sector of Ghana is the main target of financial service providers. This is because of the notion that it is adults who are of the legal age to make decisions and open accounts. So what then happens to the youth? Your guess is right:
- [Financial Literacy Campaign In Ghana](https://cdcconsult.com/financial-literacy-campaign-in-ghana/) - In 2015, the Ministry of Finance launched a nationwide Financial Literacy and awareness campaign towards the support of Government of Ghana’s comprehensive financial inclusion strategy effort. This campaign was to span for six (6) months in order to consolidate existing financial policy priorities for improving outreach of financial services throughout the country. The campaign was
- [Business Outlook Series (Part 2)](https://cdcconsult.com/business-outlook-series-part-2/) - KEY DRIVERS TO BE CONSIDERED WHEN TAKING ADVANTAGE OF THE OPPORTUNITIES Part 1 of the Business Outlook series outlined the challenges faced by businesses in the Ghanaian economy amidst COVID-19. Given that all is not lost even in the current period of the pandemic, we outlined some measures businesses can take immediately to manage some
- [Business Outlook Series (Part 3)](https://cdcconsult.com/business-outlook-series-part-3/) - PREPARING YOUR BUSINESS FOR FUNDING: WHAT DO INVESTORS WANT? If you ask business owners, managers and entrepreneurs the topmost challenge they face with their businesses, you are most likely going to be told it is with funding. Today, this need has been heightened with businesses requiring financial support to navigate the impact of the COVID-19
- [Business Outlook Series (Part 1)](https://cdcconsult.com/business-outlook-series-part-1/) - AMIDST COVID-19 AND OPPORTUNITIES FOR BUSINESS OWNERS AND MANAGERS The last quarter of 2019 was characterized by the outbreak of the coronavirus disease 2019 (COVID-19) across the globe and in Ghana, like other countries, the outbreak of the pandemic has caused a lot of damage to businesses and individuals. This article presents part one (1)

## Pages

- [Home](https://cdcconsult.com/) - The CDC Group, a Ghanaian-origin group of companies comprising CDC Consult Limited, CDC&Associates, and Rufinlit. As a leading player in the West African Sub-Region, our mission is to serve our valued clients, surpass expectations, and deliver lasting value. Experience excellence, innovation, and unparalleled service with the CDC Group.
- [Contact Us](https://cdcconsult.com/contact-us/) - Reach out to our dedicated team for tailored solutions, collaboration opportunities, and exceptional expertise across sectors such as Financial Services, Education, Agribusiness, Health, Tourism, WASH, Housing, and Renewable Energy. Experience the difference today.
- [Privacy Policy](https://cdcconsult.com/privacy-policy/) - The CDC Group ("CDC Group", "we", "our", or "us") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard personal data when you use our website https://cdcconsult.com/ and related services (the "Site"). It also describes your rights and how to contact us about privacy matters.
- [Careers](https://cdcconsult.com/careers/) - Discover a rewarding career at CDC, where our exceptional people are valued as our greatest asset. Join our dynamic team and thrive in a supportive environment that fosters continuous learning, knowledge acquisition, and professional growth. Whether you're an associate, short-term staff, or consultant, seize the opportunity to build a successful career with us.
- [Our Team](https://cdcconsult.com/our-team/) - Our team comprises uniquely talented experts with extensive experience and deep knowledge in business and organizational advisory services.
- [Sectors](https://cdcconsult.com/sectors/) - Driving Impact in Key Industries. At CDC Group, we strategically prioritize our efforts in sectors with immense potential for growth and positive change. Our focus areas include Agribusiness, Education, Financial Services, Health, Housing, Renewable Energy, Tourism, and WASH (Water, Sanitation, and Hygiene).
- [CDC Consult](https://cdcconsult.com/cdc-consult/) - Experience transformative expertise with CDC Consult Limited. Since 2003, we have provided value-adding interventions across sectors such as Financial Services, Education, Agribusiness, Health, Tourism, WASH, Housing, and Renewable Energy. Partner with us for collaborative solutions that drive impactful results.
- [Our Story](https://cdcconsult.com/our-story/) - Your trusted partner for indigenous Ghanaian business firms. We are committed to serving discerning clients with value-adding interventions that drive business and organizational development.
- [CDC & Associates](https://cdcconsult.com/cdc-associates/) - Unlock business growth and achieve excellence with CDC&Associates. With 18+ years of expertise, we specialize in sectors such as Financial Inclusion, Agribusiness, Hospitality, Health, WASH, Development Initiatives, and Education. Partner with us today for exceptional support and success in these industries."
- [Clients & Partners](https://cdcconsult.com/clients-partners/) - Throughout the years, we have consistently exceeded expectations, delivering exceptional results tailored to meet and surpass individual needs.
- [Digital Solutions](https://cdcconsult.com/digital-solutions/) - Experience streamlined digital solutions for your business with Adansonia, DreamJobsGh, and Creation Hub. Drive operational improvements, optimize workflows, and automate tasks with our comprehensive range of technology-driven services. Unlock the full potential of digital transformation and propel your business forward with us.
- [Impact](https://cdcconsult.com/impact/) - At CDC Group, we are driven to make a lasting, positive impact in businesses, lives, and communities. Through our endeavors, we proactively identify key issues and areas of need, and leverage innovative strategies to address them. Experience our commitment to creating indelible, transformative change that leaves a lasting positive impact.
- [Our Identity](https://cdcconsult.com/our-identity/) - Our unique identity and commitment to capacity building in Ghana and the West African sub-region drive impactful interventions that empower individuals, teams, and organizations. Experience growth and make a lasting impact with us.
- [Projects](https://cdcconsult.com/projects/) - Driving Positive Change. Welcome to our Projects page, where we showcase our commitment to driving positive change in key sectors. Explore our portfolio of impactful initiatives in Agribusiness, Education, Financial Services, Health, Housing, Renewable Energy, Tourism, and WASH.
- [Publications](https://cdcconsult.com/publications/) - Stay Informed and Inspired. Welcome to our comprehensive collection of insightful blogs and publications. Delve into the latest trends, industry updates, and thought-provoking articles across various topics.
- [Rufinlit](https://cdcconsult.com/rufinlit/) - Empowering Financial Independence. Established in 2015, we are a not-for-profit organization dedicated to promoting financial education, access to finance, economic empowerment, and gender mainstreaming. Using innovative technology, we reach youth, women, persons with disabilities, and MSMEs for lasting impact.
- [Blog](https://cdcconsult.com/blog/) - From informative guides to inspiring stories, our blog offer valuable knowledge and inspiration for professionals, enthusiasts, and anyone seeking to stay ahead of the curve.
- [Video](https://cdcconsult.com/video/)
- [Gallery](https://cdcconsult.com/gallery/)

## Categories

- [Blog](https://cdcconsult.com/category/blog/)
- [Publication](https://cdcconsult.com/category/publication/)
- [Job](https://cdcconsult.com/category/job-postings/)