{
  "id": 9133138,
  "title": "Production, market risks and poor records constrain agricultural lending – GIRSAL",
  "url": "https://urgent.news/2026/09/22/production-market-risks-and-poor-records-constrain-agricultural-9133138",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-09-22T11:07:38.000Z",
  "source": {
    "name": "Joy Business",
    "slug": "joy-business",
    "url": "https://www.myjoyonline.com/production-market-risks-and-poor-records-constrain-agricultural-lending-girsal/"
  },
  "original_language": "en",
  "account": "Samuel Yeboah, Chief Operating Officer of the Ghana Incentive-based Risk-sharing System for Agricultural Lending (GIRSAL), has highlighted production challenges, market volatility, and inadequate business records as major obstacles to financing Ghana's agricultural sector. Speaking at the Ecobank-JoyBusiness Financial Dialogue Series on September 22, Yeboah explained that banks often face genuine risks in agriculture that can impact farmers' production, earnings, and loan repayment capabilities.\n\nProduction and market uncertainties, such as inadequate rainfall, crop diseases, and unpredictable commodity prices, significantly affect farmers' output and ability to repay loans. Farmers often base production decisions on expected market conditions but are often left struggling to sell their produce due to heavy imports or market disruptions. Inadequate business records, particularly from smallholder farms, also complicate loan assessments as banks struggle to understand the financial performance and creditworthiness of these agribusinesses. To overcome these challenges, GIRSAL stresses the importance of conducting due diligence and obtaining proper documentation of farmers' production volumes, sales, yields, and revenue over multiple production cycles.",
  "summary": "Chief Operating Officer of Ghana Incentive-based Risk-sharing System for Agricultural Lending (GIRSAL), Samuel Yeboah has said that production challenges, market volatility and uncertainty over commodity prices remain major risks discouraging financial institutions from lending to Ghana’s agricultural sector.",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 2,
    "also_reported_by": [
      {
        "outlet": "MyJoyOnline Ghana",
        "title": "Production, market risks and poor records constrain agricultural lending – GIRSAL",
        "url": "https://urgent.news/2026/09/22/production-market-risks-and-poor-records-constrain-agricultural",
        "published": "2026-09-22T11:07:38.000Z"
      }
    ]
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}