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Author's School

Brown School of Social Work

Date Submitted

Fall 12-12-2014



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Ghana’s socioeconomic development and financial growth are directly related to accessibility of financial services. Hence, the country’s ability to strengthen it’s banking sector is critical for it’s economic development. Currently, 80% of Ghanaians do not save with formal financial institutions. Having many Ghanaians outside of the formal financial system does not auger well for the socioeconomic growth of the country. Accumulating savings outside the formal financial sector is unreliable and insecure. Bringing the large population of the unbanked under the formal banking sector would improve Ghana’s economic growth and enhance individuals’ socioeconomic development. This study seeks to investigate the availability and accessibility of banks in Ghana. Other underlying factors, such as population density and literacy rate, that may be associated with decisions on where banks branches are sited are also explored.


Social Work

Spatial Analysis of the Availability and Accessibility of Banks in Ghana
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