Tema Oil Refinery was shut down in 2021 due to a lack of crude oil

The Acting Managing Director of the Tema Oil Refinery (TOR), Edmund Kombat, has disclosed that the facility will resume operations in October 2025.

According to him, the move is aimed at reducing Ghana’s dependence on imported refined petroleum products.

Appearing before Parliament’s Energy Committee, Kombat pointed out that the country currently spends approximately US$400 million monthly on fuel imports, and the revival of TOR could lead to substantial savings.

“We spend $400 million every month importing refined petroleum products. When TOR is running, we will need less than 60% of that money to import refined petroleum products,” he said.

He added that; “Based on the timeline we are working with, between September and October, we should have the CDU [Crude Distillation Unit] back on stream.”

TOR was shut down in 2021 due to a lack of crude oil, the key raw material for refining.

Kombat noted that the refinery now has the capacity to process up to 60,000 barrels daily, which could meet between 45% and 60% of the country’s local fuel demand.

Meanwhile, a Turnaround Maintenance Committee supervised by the Deputy Managing Director, has been established to oversee and ensure the full restoration of the refinery.

SA/MA

How social engineering hacks your mind and your bank account

Duayaw Nkwanta (A/R), June 23, GNA – Healthcare delivery in the Tano North Municipality has received a boost following the donation of medical equipment and consumables valued at GH₵3.4 million by Newmont Ghana Gold Limited and Project C.U.R.E.

According to a press release issued by Newmont to the Ghana News Agency, the donation is expected to improve access to quality care and enhance service delivery at three beneficiary facilities: the Yamfo Health Centre, Susuanso CHPS Compound, and the St. John of God Hospital at Duayaw Nkwanta.

The medical supplies include surgical instrument kits, birthing supplies, thermometers, portable power transformers, and wheelchairs, all targeted at improving maternal care, emergency response, and general outpatient services.

At a brief handover ceremony, the Acting Head of the Duayaw Nkwanta Traditional Council, Nana Boakye Bonsu, commended the gesture and said it would greatly enhance patient care and restore confidence in the health system.

“The support will go a long way in improving the quality of care our people receive. We commend Newmont and Project C.U.R.E. (an international NGO) for this excellent gesture,” he said.

The Ahafo Regional Minister, Madam Charity Gardiner, also praised the donation, describing Newmont as a trusted partner in the region’s development efforts.

She expressed hope that such collaborations would be sustained to address gaps in critical sectors such as healthcare.

The release said the donation formed part of a broader partnership between Newmont and Project C.U.R.E. aimed at improving health outcomes in host communities.

In 2024, the two institutions jointly supported more than  2,000 residents in Ahafo and Akyem with health screening and treatment services.

 They also facilitated a ‘Helping Babies Survive’ training programme for frontline health workers.

Community members have already begun to experience the impact.

 A resident of Susuanso, who did not want to be identified, said the newly supplied items had reduced waiting time and improved service delivery at the local CHPS compound.

The release stated that the initiative aligned with Newmont’s commitment to creating shared value and improving lives through responsible and sustainable mining practices.

GNA

Edited by Beatrice Asamani Savage

A group of trained but unposted Environmental Health Officers and Assistants is appealing to the government for immediate financial clearance and recruitment to support Ghana’s ongoing sanitation efforts.

The call follows President John Dramani Mahama’s recent directive to Metropolitan, Municipal, and District Chief Executives (MMDCEs) to establish district sanitation task forces and mobilise communities for the enforcement of sanitation laws and the organisation of clean-up campaigns.

In a statement, the group commended the President’s renewed focus on sanitation but raised concerns about the effectiveness of these initiatives amid the continued unemployment of more than 3,600 graduates from the country’s three Schools of Hygiene — Accra, Ho, and Tamale — since 2021.

“These directives are commendable, but without adequate staffing, they cannot be effectively implemented,” the group noted.

They emphasised that Environmental Health Officers are the only licensed professionals mandated to enforce sanitation regulations, yet four cohorts of trained officers have remained unemployed for over four years.

The group is urging key stakeholders — including the Ministry of Local Government, Decentralisation and Rural Development; the Ministry of Health; the Ministry of Finance; and Parliament’s Select Committee on Water and Sanitation — to urgently prioritise their recruitment.

They also called on regional ministers, MMDCEs, traditional leaders, and faith-based institutions to support their plea, stressing the essential role Environmental Health Officers play in disease prevention and public health promotion.

“We stand ready to serve and help prevent sanitation-related disease outbreaks,” the statement said.

“All we need is the opportunity to contribute meaningfully to building a cleaner, safer Ghana.”

Presbyterian Moderator urges action on Bawku conflict, decries ‘cosmetic’ measures

By Louis Gyimah

Global Economic Transformation

In the mid-2020s, the world economy continues to demonstrate unprecedented complexity, interdependency, and velocity. The fragility of global economic systems was highlighted by the COVID-19 pandemic and subsequent supply chain disruptions, which disproportionately affected emerging economies. While developed nations deployed massive stimulus packages, African nations had limited fiscal space to respond. Ghana’s pandemic response required a $1 billion IMF Rapid Credit Facility in 2020, illustrating the interconnected challenges facing emerging economies.

The existing multilateral institutions still struggle to adapt to rapidly shifting power dynamics. The African Continental Free Trade Area (AfCFTA), headquartered in Accra, Ghana, represents a direct response to the limitations of global trade governance. As WTO negotiations remain stalled, Africa has taken regional integration into its own hands, creating the world’s largest free trade area by number of participating countries.

The pace of economic transformation in Africa also mirrors historical patterns seen in Asia. While the UK took 154 years to double its GDP from $1,300 (PPP), China accomplished this in just 12 years. Ghana’s economy, following oil discoveries and production beginning in 2010, doubled its GDP per capita in 16 years (2006-2022), demonstrating a similar acceleration pattern.

The Rising Importance of African Markets

Africa’s economic prospects have evolved dramatically since the original “Africa Rising” narrative of the early 2010s. While developed economies face structural challenges including aging populations and high debt levels, several African economies continue to demonstrate resilience. According to the African Development Bank’s 2024 African Economic Outlook, East Africa remains the continent’s fastest-growing region, though West Africa (including Ghana) has shown impressive recovery from recent global shocks.

Ghana exemplifies both the opportunities and challenges facing African economies. Following its 2022 debt crisis and subsequent IMF program, Ghana has implemented significant fiscal and monetary reforms. Despite these difficulties, Ghana’s long-term economic fundamentals remain strong, with the World Bank projecting 4.8% growth in 2025 as inflation moderates and macroeconomic stability returns.

Africa’s common challenges persist: uneven regional development (Ghana’s northern regions remain significantly poorer than coastal areas); inequality (Ghana’s Gini coefficient stands at 43.5%); infrastructure gaps (Ghana faces an annual infrastructure financing gap of approximately $1.5 billion); and weak public governance (though Ghana ranks higher than regional averages in transparency indexes). However, these challenges increasingly coexist with vibrant innovation ecosystems and digital transformation.

Business Opportunities in Africa: Ghana’s Position

Africa’s diversity remains its defining characteristic, with 54 countries at varying development stages. Ghana occupies a strategic middle ground – neither the continent’s largest economy (Nigeria) nor its most advanced (South Africa, Mauritius), but a stable democracy with relatively strong institutions that has positioned itself as West Africa’s business and diplomatic hub.

The perception of Africa as primarily resource-driven is becoming outdated. While natural resources and agriculture contribute significantly to Ghana’s economy (gold, cocoa, and oil account for over 80% of export revenues), the services sector now constitutes approximately 47% of Ghana’s GDP. Financial services, telecommunications, and retail have shown particular dynamism, with mobile money transactions in Ghana reaching 978.3 billion cedis (approximately $71.4 billion) in 2023 according to Bank of Ghana data.

Africa’s consumer market continues to evolve rapidly. Ghana’s middle class has expanded to approximately 29% of the population according to AfDB definitions, though recent economic challenges have placed pressure on household purchasing power. The digital transformation has accelerated dramatically, with Ghana’s mobile penetration exceeding 140% (multiple SIM ownership is common) and internet penetration reaching 59% in 2023 according to the Ghana Statistical Service.

The payment landscape exemplifies Africa’s technological leapfrogging. Ghana’s interoperability framework, which allows seamless transfers between mobile money providers and traditional bank accounts, processes over 5 million daily transactions. The Ghana.gov payment platform has digitized 90% of government services payments, reducing corruption opportunities and improving efficiency.

Navigating Business Challenges in Ghana and Africa

The business environment in Ghana and broader Africa remains complex though significantly improved. Contract enforcement challenges persist, with commercial cases in Ghana’s courts taking an average of 710 days according to World Bank data. Infrastructure gaps, particularly in electricity reliability and transportation networks, increase operating costs. The African Continental Free Trade Area (AfCFTA) Secretariat’s presence in Accra symbolizes Ghana’s commitment to addressing these regional challenges through integration.

Workforce development shows mixed progress. Ghana’s education system produces over 100,000 tertiary graduates annually, but employers report skills mismatches. The government’s “Year of Skills” initiative in 2023 and TVET (Technical and Vocational Education and Training) investments aim to address these gaps, particularly in sectors like manufacturing and information technology.

For entrepreneurs, access to finance remains challenging with lending rates in Ghana exceeding 30% in 2023 despite policy efforts. However, the venture capital ecosystem has developed significantly, with Ghanaian startups raising $40 million in 2023 according to Africa: The Big Deal, a platform tracking African VC investments.

Despite these challenges, success stories abound. Fan Milk (part of Danone) has operated profitably in Ghana for over 60 years, with a nationwide distribution network reaching the smallest communities. Ghana’s indigenous Kasapreko Company has transformed from a small spirits producer to a beverage conglomerate competing effectively against multinationals across West Africa.

Understanding local consumer preferences remains crucial. Jumia, often described as “Africa’s Amazon,” struggled until it adapted its business model to local payment preferences, integrating mobile money and cash-on-delivery options. Similarly, Max.ng, a Nigerian mobility company that expanded to Ghana, modified its offering to accommodate local transportation patterns and regulatory requirements.

Strategic Approaches for Emerging Markets

Ghana’s position between larger markets (Nigeria) and smaller neighbors (Togo, Burkina Faso, Côte d’Ivoire) offers strategic advantages. Many companies use Ghana as a regional hub, taking advantage of its relative political stability, stronger institutions, and English-language advantage. For example, Google established its first Africa AI research center in Accra, reflecting this strategic positioning.

Companies succeeding in Ghana often adopt tiered approaches that recognize income disparities. Fan Milk offers products at multiple price points, from premium ice cream in urban supermarkets to small single-serve frozen yogurt sachets sold by street vendors. Similarly, telecommunications provider MTN offers service packages ranging from basic USSD feature-phone offerings to advanced smartphone plans.

“Glocalization” is increasingly essential. KFC has expanded to over 20 locations in Ghana by balancing its global brand with local adaptations, including jollof rice sides and chili pepper options calibrated to Ghanaian tastes. Guinness produces locally-inspired variations like its Ghana-specific Guinness Smooth, which is tailored to local preferences while maintaining brand recognition.

Innovation increasingly flows from Africa to global markets. Ghana’s fintech innovations in mobile money have influenced global payment systems. M-KOPA, which pioneered the pay-as-you-go solar model in Kenya, has successfully expanded to Ghana by adapting its offering to local energy needs and payment behaviors, and its model is now being studied globally for financing climate-friendly technologies.

Ghana’s Strategic Sectors

Several sectors demonstrate particular promise in Ghana’s economy:

Digital Economy: Ghana’s digital ecosystem has matured significantly, with the government’s Digital Ghana Agenda driving transformation. Mobile money users exceed 19 million, creating opportunities for embedded financial services. Indigenous fintechs like Zeepay and IT Consortium have expanded regionally, while international players like Flutterwave have established significant operations in Ghana.

Agriculture and Food Processing: Ghana’s cocoa sector remains strategically important, with the Ghana Cocoa Board implementing a $600 million productivity enhancement program. However, value addition is increasingly emphasized, with local processing by both multinationals (Barry Callebaut) and local companies (Niche Cocoa). Beyond cocoa, commercial agriculture has expanded in Ghana’s northern regions, with companies like Wienco and RMG Concept developing integrated models including financing, inputs, and guaranteed markets for smallholders.

Renewable Energy: Ghana aims to achieve 10% renewable energy in its mix by 2030. The Bui Power Authority has complemented its hydroelectric dam with Ghana’s largest solar installation (50MW), with plans to expand to 250MW. Private developers like Axcon Energy and electricity distributor ECG have partnered on additional solar projects, while companies like PEG Africa have developed successful pay-as-you-go solar home systems for off-grid communities.

Manufacturing: Ghana’s ambition to become a manufacturing hub faces challenges from high electricity costs and regional competition, but strategic subsectors are emerging. Volkswagen established an assembly operation in 2020, while pharmaceutical manufacturing has grown with companies like Ernest Chemists and Tobinco expanding production capacity to serve both domestic and regional markets under AfCFTA.

Conclusion

Ghana exemplifies Africa’s complex but promising economic landscape. While challenges remain in infrastructure, governance, and economic stability, significant opportunities exist for companies that develop nuanced, market-specific strategies. Success requires understanding local contexts, leveraging Ghana’s increasingly educated workforce and growing digital ecosystem, and positioning for regional opportunities through AfCFTA.

Companies entering Ghana benefit from a relatively stable political environment and improving business climate, with the Ghana Investment Promotion Centre serving as a one-stop shop for investors. As President Akufo-Addo’s “Ghana Beyond Aid” vision indicates, the country seeks partners rather than patrons, emphasizing mutually beneficial relationships over traditional aid models.

The opportunities in Ghana and broader Africa demand approaches that balance short-term adaptability with long-term commitment. Those who engage meaningfully with local partners, develop Ghana-specific strategies while leveraging regional opportunities, and embrace the continent’s dynamic transformation will find substantial returns on their investments in what remains the world’s last major growth frontier.

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play videoGhanaWeb’s investigations showed there is a flood of gold-buying shops at Wassa Akropong

Conversations surrounding Ghana’s illegal mining (galamsey) menace have, for the longest periods, been centered around the destruction of the land, and very recently, on how the introduction of heavy equipment like excavators have led to major water bodies being desecrated.

But GhanaWeb found out something even more disturbing at Wassa Akropong, one of the communities well-known for galamsey activities in the Western Region.

Far more disturbing than the destruction of land and water bodies, is what is a market that appears to be fuelling the continuous, bold moves of young men and women to repeatedly return to the earth to dig it up for gold.

The story of the over 100 gold buying shops alone at Wassa Akropong that is silently fuelling this growing menace has been unearthed and GhanaWeb will premiere the full details of this investigative documentary on Tuesday, June 24, 2025.

You will also hear about the intricate parts that women – both young and old, play in this worrying environmental terrorism.

Ahead of the full premiere, here is a tiny snippet into what to expect when it airs on Tuesday.

AE

National Petroleum Authority (NPA) Chief Executive Officer Godwin Edudzi Tamakloe has offered a calming perspective amidst escalating Middle East tensions, asserting that Iran would face overwhelming international opposition if it attempted to close the vital Strait of Hormuz unilaterally.

Mr Tamakloe emphasised the significant geopolitical and economic interests at stake, suggesting a full-scale closure is highly improbable.

Iran vowed a decisive response, with its parliament backing a measure to close the critical shipping route in response to U.S. airstrikes on nuclear sites in Iran over the weekend.

The Strait of Hormuz, located between the Persian Gulf and the Gulf of Oman, is particularly important because it provides the only sea passage from the Persian Gulf to the open ocean for the supply of huge volumes of oil produced in that region to several parts of the world.

The Strait of Hormuz, a critical maritime chokepoint, is geographically bordered by Iran on one side and Oman on the other.

READ ALSO: NPP race: I’m not here to test the waters; I’m here for power – Bryan Acheampong

Nearly 20 million barrels of oil, about one-fifth of daily global production, flow through the strait every day, according to the US Energy Information Administration (EIA).

For Mr Tamakloe, there are too many interests at stake, and he believes Iran cannot solely decide to block the passage.

“Notice that Oman is on one side, and Iran is on the other side. So Oman will not permit it because it is income to those countries because the ships and others pay for the use of that end,” he explained to TV3 on Monday, June 23.

This financial incentive for passage, derived from tolls and services, aligns Oman’s interests with global trade flow.

Oman’s foreign policy is generally characterised by neutrality and mediation, further reducing the likelihood of its cooperation in any blockade.

Beyond regional players, Mr Tamakloe pointed to the immense global stakes, particularly for major economic powers.

“And so what is going to happen is that Oman is not going to allow for a unilateral decision to just close that end completely again, like I pointed out, the Chinese had a lot of interest in terms of movements of goods and other services, or, eh, movements of goods more or less to the Chinese and other South Asian countries. And so they also have an interest in ensuring that the passage is not closed,” he said during a discussion on TV3 on Monday, June 23.

China, as the world’s largest crude oil importer, relies heavily on this route, with roughly one-third of its oil imports originating from Gulf producers and 80% of flows through Hormuz destined for Asian markets.

“More importantly, the Europeans as well, because then beyond crude it’s easier for you to move liquefied natural gas and others into Europe to power households and others around our corridor, so completely; having it closed will be quite uninteresting,” Mr Tamakloe added.

Following sanctions on Russian energy, Europe significantly increased its reliance on Middle Eastern diesel, with approximately 850,000 barrels per day now transiting through the Strait of Hormuz to the continent. This shift makes Europe highly vulnerable to any disruption.

Mr Tamakloe also revealed that he closely monitored an emergency UN Security Council meeting held on Saturday evening.

“On Saturday evening, there was an emergency UN Security Council meeting; that’s right, I observed it because my mind is on these matters in recent times. From the US security council meeting, it does appear that there’s a greater call for diplomatic intervention than a full-blown, full-scale war within the region.”

He expressed optimism that regional actors are leaning towards de-escalation rather than military confrontation.

“Thankfully, Oman, Kuwait, Saudi Arabia and co., within the region appear to have adopted a strategy for less military intervention.”

The NPA boss cautioned that the real danger to global oil supplies would arise if the entire Gulf region were to be engulfed in war, thereby affecting oil production itself.

“The danger is if the whole Gulf region is engulfed in war, then production itself will be affected. Now, if production itself is affected, that is when the problem will become much more serious.”

Despite the underlying risks, Mr Tamakloe remains confident that diplomacy will prevail.

“So at this point, all we can pray for is the key leaders within the region to come together to de-escalate the current conflict and more or less find a more diplomatic solution to it. And I’m very confident that this one, there’s a higher possibility of it coming closer or down than what we are seeing, say, like Russia, Ukraine.”

Ghana, as a net oil importer, is particularly sensitive to global oil price fluctuations.

However, Mr Tamakloe previously assured the nation that Ghana maintains robust fuel reserves, with over 200 million litres of petrol and 150 million litres of diesel, sufficient to last beyond two months and mitigate immediate supply disruptions.

DISCLAIMER: The Views, Comments, Opinions, Contributions and Statements made by Readers and Contributors on this platform do not necessarily represent the views or policy of Multimedia Group Limited.

DISCLAIMER: The Views, Comments, Opinions, Contributions and Statements made by Readers and Contributors on this platform do not necessarily represent the views or policy of Multimedia Group Limited.

T-bills under subscription continues for fourth consecutive week

The government failed to meet its Treasury bills target for the fourth consecutive week, raising GH¢2.95 billion against a target of GH¢4.55 billion.

This shortfall signals a decline in investor confidence and tighter liquidity conditions in the money market.

According to auction results published by the Bank of Ghana, the Treasury missed its target by about 24%.

The Treasury received total bids amounting to GH¢3.379 billion but accepted GH¢2.952 billion.

The majority of the bids came from the 91-day bill, with investors offering GH¢2.418 billion. This represented 71.55% of total bids. The government accepted GH¢2.191 billion of these offers.

The 182-day bill attracted GH¢603 million in bids, of which GH¢113 million were rejected.

The 364-day bill saw the weakest investor interest, raising GH¢157 million, with GH¢79 million in bids turned down.

The 91-day yield edged down by one basis point to 14.69%, while the 182-day rate held steady at 15.25%. The 364-day yield dipped by five basis points to 15.69%.

SP/MA

How social engineering hacks your mind and your bank account

Ghana’s local currency, the cedi, has appreciated slightly on the interbank market against major trading currencies, particularly the US dollar.

In its daily update, the Bank of Ghana noted that the cedi is trading at a buying price of GH¢10.29 and a selling price of GH¢10.30 to the dollar.

The British pound is being bought at GH¢13.86 and sold at GH¢13.88, while the euro is trading at a buying price of GH¢11.86 and a selling price of GH¢11.87.

Checks by GhanaWeb Business on June 23, 2025, at 8:20 AM indicate that the cedi is trading at GH¢12.25, while the pound is selling at GH¢16.95 at some forex bureaus across the country.

Additionally, the euro is trading at GH¢14.75 on the retail market.

Meanwhile, the Bank of Ghana has announced that Ghana is expected to receive $360 million from the IMF in July 2025 to further stabilise the cedi.

SP/AE

How social engineering hacks your mind and your bank account

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Ever heard of Nkofie, the legendary Kwahu cave believed to grant wishes? Join GhanaWeb’s People & Places as they take you on an exclusive tour of this mystical site on GhanaWeb TV:

Ghana’s local currency, the cedi, has appreciated slightly on the interbank market against major trading currencies, particularly the US dollar.

In its daily update, the Bank of Ghana noted that the cedi is trading at a buying price of GH¢10.29 and a selling price of GH¢10.30 to the dollar.

The British pound is being bought at GH¢13.86 and sold at GH¢13.88, while the euro is trading at a buying price of GH¢11.86 and a selling price of GH¢11.87.

Checks by GhanaWeb Business on June 23, 2025, at 8:20 AM indicate that the cedi is trading at GH¢12.25, while the pound is selling at GH¢16.95 at some forex bureaus across the country.

Additionally, the euro is trading at GH¢14.75 on the retail market.

Meanwhile, the Bank of Ghana has announced that Ghana is expected to receive $360 million from the IMF in July 2025 to further stabilise the cedi.

SP/AE

How social engineering hacks your mind and your bank account

Click here to follow the GhanaWeb Business WhatsApp channel

Ever heard of Nkofie, the legendary Kwahu cave believed to grant wishes? Join GhanaWeb’s People & Places as they take you on an exclusive tour of this mystical site on GhanaWeb TV:

Ghana’s state-owned Tema Oil Refinery (TOR) aims to resume full operations by October 2025, according to its Acting Managing Director, Edmund Kombat.

Appearing before Parliament’s Energy Committee, Kombat stated this restart could significantly reduce the nation’s reliance on imported refined petroleum products, potentially saving Ghana up to $400 million monthly.

Kombat informed lawmakers that the refinery, dormant since 2021 due to a lack of crude oil supply, is being revived through strategic interventions. He said TOR is targeting the capacity to refine up to 60% of the country’s crude oil needs upon its full return to operation.

However, Kombat acknowledged a significant governance lapse, confirming that TOR’s financial accounts have not been audited since 2019. He assured the committee that the audit process is now actively underway, with reports expected to be submitted to Parliament by the end of July 2025.

TOR has historically been viewed as a crucial asset within Ghana’s energy infrastructure. Its operations over recent years, however, have been consistently hampered by severe financial difficulties, recurring equipment breakdowns, and persistent governance concerns, challenges that the planned restart must now overcome to achieve its stated goals of import reduction and cost savings.

 The Commit­tee tasked with developing a roadmap for the implementation of the government’s free tertiary education initiative for Persons Living with Disabilities (PWDs) last Friday held its maiden meeting in Accra.

Co-chaired by the Deputy Min­ister of Education, Dr Clement Apaak, and the National Presi­dent of the Ghana Federation of Disability Organisations (GFD), Mr Joseph Atsu Hormadzi, the eight-member committee was inaugurated by the Minister of Education, Haruna Iddrisu.

Opening the meeting, Dr Apaak, the Ministry of Education, was strongly committed to pro­moting inclusive education.

To this end he said everything would be done to ensure that the President, John Dramani Mahama’s vision and pledge of providing free tertiary education to PWDs were realised.

Mr Joseph Hormadzi, in his opening remarks, expressed grat­itude to President John Dramani Mahama’s administration for the initiative.

According to him, many per­sons with disabilities struggle to pay their tertiary tuition fees and related expenses.

“On behalf of the Board and the entire body of persons living with disabilities, we wish to express our gratitude to H.E. the President for this initiative. It is a unique and significant package for us, and it deserves to be cel­ebrated, as many of our students are currently stranded.

“For university education, if you do not make a payment, you cannot register, and many of our students are struggling to raise funds to pay their fees.

Hon. Deputy Minister, we are grateful to His Excellency for this vision, and we also extend our gratitude to the Hon. Minister and yourself, the Deputy Minis­ter, for setting up this committee to ensure that the necessary modalities are outlined for PWDs to access tertiary education,” he added.

The Chief Executive Officer of the Students’ Loan Trust, Dr Saajida Shiraz, who was also present at the meeting, along with her team, gave a presentation on “Facilitating Access to Enhanced Tertiary Education Financing for Students with Disabilities.”

 BY CLIFF EKUFUL