Land Titles and Access to Credit: Evidence From Ghana

Authors: David Edwin*, University of Helsinki
Topics: Land Use
Keywords: Collateral, Credit Officers, Ghana, Housing deficit, Legislation, Titleholders.
Session Type: Paper
Presentation File: No File Uploaded


One of the major concerns in Sub-Saharan Africa, like in other parts of the developing world is access to residential housing finance to manage their housing deficit. The limited access to formal credit from financial institutions is often attributed to inadequacy of satisfactory collateral, resulting from series of factors such as the absence of formally registered land titles. This paper seeks to examine whether or not land title as collateral is sufficient to enable titleholders to access credit from banks for housing development in Ghana. The study employs qualitative analyses of credit officers from financial institutions, group discussions and developers in processing the data. Preliminary results indicate that although land title is acceptable to formal lenders (banks), it is not sufficient for collateral purposes to enable titleholders’ access credit.

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