This article uses a survey of 82 manufacturing firms in Ghana to analyse how small, private enterprises responded to structural adjustment reforms and how their contribution to economic growth could be enhanced. The analysis focuses on differences across firms size categories, which generally...

This study investigates the apparent contradiction between the high propensity of small- and medium-sized enterprises (SMEs) to identify finance as their primary constraint and the view of banks that SME lending remains low in part for lack of bankable demand. Surveys were conducted of...