To live such a life takes courage and, as we all assess the many and different challenges young people face now and in the years ahead, let us be inspired by what has been achieved and have the courage, determination and tenacity to build a future and a people bound together by values that would make Ruth smile.
The Bank of Ghana’s measures recognised the key role of smaller financial institutions in extending access to financial services to small businesses and lowincome households, several of whom had lost their businesses or jobs, making these financial institutions vulnerable given the heightened credit risk they bore.