Latest posts
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Smart Financing For Ghanaian Farmers: How To Secure Agricultural Loans And Thrive Through Every Season
Farming has always been at the heart of Ghana’s economy, feeding millions and providing livelihoods across rural communities. Yet, in recent years, farmers have faced mounting financial pressures from rising input costs, unpredictable weather patterns, and limited access to credit. As global and local markets evolve, Ghanaian farmers—especially smallholders—must find innovative ways to secure funding…
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Understanding Corporate Carve-Outs and Transition Service Agreements
When a company sells a division or subsidiary, the new owner often inherits a business still reliant on the seller’s infrastructure. Many buyers assume they can immediately operate independently, but in practice, most acquisitions involve transitional dependencies that can’t be undone overnight. This is where a Transition Services Agreement (TSA) becomes critical. A TSA acts…
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How Basel I Set the Stage for Basel II and III: The Origins of Global Banking Reform
Basel I represents the first international framework designed to regulate banks’ capital adequacy and reduce global financial risks. Developed by the Basel Committee on Banking Supervision (BCBS) in 1988, it required banks operating internationally to maintain a minimum capital ratio of 8% against their risk-weighted assets. This standard was intended to make sure banks had…
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How Cheap Money Shapes the Economy: The Real Impact of Low Interest Rates on Borrowing and Investment
Cheap money refers to a situation where borrowing costs are unusually low, allowing individuals and businesses to access credit easily. It often arises when a central bank—such as the Federal Reserve—sets very low interest rates to encourage economic growth. In such conditions, loans and credit become more affordable because the cost of borrowing declines. This…
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Mastering the Marginal Rate of Technical Substitution: How Businesses Optimize Labor, Capital, and Efficiency
The marginal rate of technical substitution (MRTS) is one of the most useful tools in production economics. It measures how much of one production input—like capital or machinery—can be replaced with another input, such as labor, without changing the total output. Essentially, it helps a business figure out how to maintain efficiency while adjusting its…
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How (and Why) to Negotiate a Job Offer in Ghana
Negotiating a job offer in Ghana can feel uncomfortable for many job seekers, especially those entering the workforce for the first time. However, failing to negotiate could have long-term effects on your earnings, career growth, and confidence in the workplace. The reality is that salaries in Ghana, like anywhere else, are often influenced not only…
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Understanding Cyclical Unemployment in Ghana: Causes, Effects, and How It Differs From Other Types
Unemployment is a significant challenge for most developing economies, and Ghana is no exception. Among the various forms of unemployment, cyclical unemployment is particularly important because it reflects the ups and downs of the nation’s economic activity. When the economy slows down, businesses reduce production, investment falls, and workers lose their jobs. When the economy…
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Learn the Moving Average and MACD Forex Strategy: A Complete Guide to Trend Trading Success
Introduction: The Challenge of Catching a Trend Every forex trader hopes to spot a strong trend early — that sweet point where momentum is building but far from exhausted. The idea sounds easy: buy when prices rise, sell when they fall. In practice, though, timing those entries is one of the hardest skills to master.…
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Mastering Forex Trading: A Complete Beginner’s Guide to Currency Markets, Strategies, and Global Trends
Introduction: Understanding the Power of Currency Trading Forex trading for beginners can seem intimidating, but it’s one of the most accessible and rewarding financial markets in the world. Every day, trillions of dollars move through the foreign exchange market (forex or FX) as people, companies, and governments exchange currencies. Whether you’re in Ghana, the U.S.,…
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Understanding Exchange Rates and Their Impact on Ghana’s Economy
Every time a Ghanaian traveler visits London, a cocoa exporter gets paid in U.S. dollars, or a business imports machinery from China, exchange rates quietly come into play. They determine how much value the Ghana cedi (GHS) holds compared to foreign currencies such as the dollar, euro, or pound sterling. Exchange rates influence everything from…