Africa's billionaire problem is not uniquely African

Evidence from official data published by the Ghana Statistical Service, Bank of Ghana, IMF and World Bank shows that every change of government in the Fourth Republic has been followed by some degree of macroeconomic stabilisation, with 6 key indicators thus price, the currency, economic growth, public debt, the fiscal balance and foreign exchange reserves generally improving under the incoming administration.

For decades, energy discussions in Ghana have focused on familiar questions.

Before dawn breaks in towns and villages across Ghana, thousands of teachers are already awake. Some are marking exercise books under dim light. Others are preparing lesson notes, reviewing students' assignments, or worrying about how to stretch limited resources to meet both professional and family obligations.

When political rivalry grows so fierce that a country's progress is treated as an electoral threat, democracy becomes a relay race in which the baton is passed faithfully from party to party while the nation itself never leaves the starting line. The bill, as always, is sent to ordinary citizens and to generations not yet born.

Imagine a shop owner asking an AI assistant how to attract customers. It suggests reducing prices and spending more on advertising, and the response sounds sensible enough to try. Orders increase, the shop becomes busier and the owner feels encouraged, until the accounts show that less money is left after expenses.

As customer expectations evolve, premium banking in Ghana is increasingly extending beyond traditional financial services. While access to credit, investment solutions and everyday banking services remains important, many affluent customers are also seeking convenience, access and experiences that complement their lifestyles.

Think about your meals today. Chances are, maize was on your plate at least once. From a warm bowl of koko and koose for breakfast to banku or kenkey for lunch, or even roasted corn enjoyed on the go, maize is woven into the daily lives of millions of Ghanaians.

The leadership problem