Little loans go a long way
Street vendors - like this girl grilling plantain - are taken for granted, but they have to get start-up money from somewhere.
Banks believe that small businesses should also look at how they manage their affairs in order to gain access to credit.
There is concern that vendors and small businesses may go to high interest loan sharks for capital to finance their enterprises.
This web entrepreneur was a beneficiary of the government micro-credit scheme which now seems to have come to a dead end.
Access to credit remains a major problem for Ghana's small and medium scale enterprises.
Petty traders including street hawkers and artisans in Ghana thought the outlook was improving when the government recently announced a 50 million dollar micro loan scheme to make cheap credit available to these types of small scale business.
However the much-vaunted initiative has not gone as well as hoped and critics are criticising the government for making promises it is not ready to keep.
From Accra, Mary-Ann Eyram Acolatse reports that the issue is more complex than it appears.