What We Do
Our Approach
Smallholder farmers and agribusinesses are central to Ghana’s economic growth, yet they face persistent systemic financing barriers. Women and youth face these barriers most acutely.
Our mission is to address these challenges. We partner with rural-based financial institutions and value-chain actors to reach underserved communities. Together, we provide catalytic capital, minimize risk, and deliver targeted technical assistance to empower rural MSMEs. We focus on advancing economic opportunities for women and youth, and on building resilience against climate change.
In Practice
We work across the full chain of rural finance, from liquidity and risk sharing to the technical support needed to make capital more effective on the ground.
What it is
Dedicated funding facilities that provide onlending capital to financial institutions and SMEs serving agricultural value chains and renewable energy markets.
Who it’s for
How it works
RDF provides liquidity that participating intermediaries onlend to ultimate beneficiaries, such as smallholder farmers, aggregators, processors, and rural-based energy MSMEs.
Why it matters
Liquidity gaps are one of the biggest barriers to rural finance. Our lines of credit enable consistent lending, deeper rural outreach, and affordable financing for productive investments.
What it is
Partial credit guarantees that cover up to 50% of losses on eligible loan portfolios (principal only) extended by partner financial institutions.
Who it’s for
How it works
RDF shares credit risk on defined portfolios, encouraging lenders to serve new client segments and underfinanced value chains.
Why it matters
By de-risking lending, we crowd in private finance, expand portfolios, and accelerate growth in critical sectors that drive jobs, food security, climate resilience, and rural livelihoods.
What it is
Tailored support that strengthens the systems, skills, and readiness of both intermediaries and beneficiaries.
Who it’s for
Why it matters
Stronger capacity leads to better loan performance, resilient institutions, and sustained impact well beyond the life of any single facility.
Get Started
Find out if your institution qualifies, and what the application pathway looks like.