In Ghana we’ve discussed, researched, and held numerous workshops on the challenges in starting a small business in this country, tech-oriented or otherwise. We’ve known for years that the biggest challenge has been the difficulty in accessing affordable credit. However, despite the ‘best’ efforts of our central bank, credit rates remain high and distinctly unaffordable for most entrepreneurs. So the government’s plan so far isn’t working, that’s obvious. But can the private sector do anything themselves about this?