Agricultural Credit Risk Guarantee Scheme

GIRSAL’s Credit Risk Guarantee Scheme provides participating financial institutions with up to 70% credit risk guarantee on agricultural loans. The scheme mitigates agricultural lending risks and provides an incentive for financial institutions to lend more to agribusinesses.

Banks, Specialized Deposit-Taking Institutions, Non-Bank
Financial Institutions, Rural, Community Banks, and other qualifying financial institutions are eligible to participate in GIRSAL’s Credit Guarantee scheme.

Participating Financial Institutions

Supporting All Agricultural Value Chains and Activities

GIRSAL’s credit guarantee scheme supports financial institution’s lending to all agricultural sectors, commodities and value chain activities

All agricultural value chain activities are supported including input supply, primary production, processing, aggregation, transportation, storage, marketing, export and more.

Agric Credit Risk Guarantee Scheme F.A.Q.

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Credit Guarantee Scheme

Updated: September 30, 2022

3+ Years

Operating since July 2019

23 PFIs

Participating financial institutions


  • Issued agricultural credit guarantees valued at
    GHS 338.9 M to 14 financial institutions
  • 14 financial institutions supported with agric loan application assessment, structuring and management


  • Granted GIRSAL guaranteed loans valued at over
    GHS 700.1 M 
    to agribusinesses

  • Over GHS 88.0 M worth of guarantees loans successfully repaid


  • 98 agribusinesses benefitted from GIRSAL guaranteed loans, located in 58 districts in 14 regions throughout Ghana
  • Value Chain Activities supported: list-of-supported-value-chain-activities