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We are a non-banking financial institution established to de-risk agricultural financing and stimulate increased lending to the agricultural sector, by financial institutions in Ghana
GIRSAL provides credit risk guarantees to financial institutions to increase lending to the agricultural sector in Ghana. We also provide technical support to improve their knowledge and understanding of the agricultural sector and to strengthen their capacity to assess, structure and manage agribusiness lending.
GIRSAL is a limited liability company wholly owned by the Government of Ghana through the Ministry of Finance and is capitalized with seed funding from the Bank of Ghana and the African Development Bank (AfDB).
To provide credit guarantees and technical support to financial institutions and agribusinesses through well structured transactions, to increase agric lending
To be the catalyst for increased agricultural lending by financial institutions
Strategic Pillars
Provides up to 70% credit risk guarantee on agricultural loans to reduce the risks of financial institutions and increase lending to the sector
To improve financial institutions’ capacity to assess, structure and manage the delivery of loans to agribusinesses, and to support agribusinesses through partnerships
Rate financial institutions in Ghana based on their lending to agriculture, creating additional incentives for banks that are achieving impact in agricultural lending
Providing financial institutions with access to agricultural and agribusiness finance information resources and tools to support agribusiness loan application assessment
Partner with agribusiness stakeholders to ensure that required interventions and favourable policies are developed for agribusinesses to thrive
To support the development of export-oriented value chains and local production of import substitutes, targeting commodities like chili pepper, cashew, rubber, poultry and rice
