The State of the Microcredit Campaign Report, 2015. 17  See Banerjee, A., Karlan, D., and Zinman, J. (2015). "Six Randomized Evaluations of Microcredit: Introduction and Further Steps," American Economic Journal: Applied Economics, Vol. 7 (1), pp. 1-21. 7  borrow money from the general public and even across borders.
According to the World Bank Global Financial Inclusion Index released in April 2018, Ghana’s financial inclusion has increased from 41 percent in 2014 to 58 percent in 2017 mainly on account of adoption of digital channels such as mobile money for service delivery. 14.