Mu bihe bishize, ubukungu bwa Ghana bwahuye n’ibibazo bitandukanye byatewe n’izamuka ry’umwenda wa leta, byatumye habaho kuvugurura uwo mwenda hagamijwe kugabanya igitutu ku bukungu bw’igihugu. Icyakora, iki gikorwa cyagize ingaruka ku rwego rw’amabanki, aho inguzanyo zitishyurwa (non-performing loans) ziyongereye. Mu rwego rwo guhangana n’iki kibazo, Banki Nkuru ya Ghana (Bank of Ghana) yatangiye ibiganiro n’amabanki yo mu gihugu kugira ngo harebwe uko iki kibazo cyakemurwa mu buryo burambye.
Inguzanyo zitishyurwa ni inguzanyo zatanzwe n’amabanki ariko abazifashe bakaba barananiwe kuzishyura mu gihe cyateganyijwe. Ibi bitera igihombo ku mabanki ndetse bigahungabanya n’ubukungu bw’igihugu muri rusange. Muri Ghana, izamuka ry’izi nguzanyo ryatewe ahanini n’ingaruka zo kuvugurura umwenda wa leta, aho ibikorwa bimwe na bimwe by’ubucuruzi byahuye n’ibibazo by’amikoro bigatuma bidashobora kwishyura inguzanyo byari byafashe mu mabanki.
Mu rwego rwo guhangana n’iki kibazo, Banki Nkuru ya Ghana yatangiye ibiganiro n’amabanki yo mu gihugu hagamijwe kurebera hamwe ingamba zafatwa kugira ngo hagabanywe izamuka ry’izi nguzanyo zitishyurwa. Ibi biganiro bigamije kureba uko amabanki yakomeza gutanga inguzanyo ariko hanashyizweho uburyo bwizewe bwo kwishyuza, ndetse no gufasha abafashe inguzanyo guhura n’ibibazo by’amikoro kubona uburyo bwo kongera kwishyura inguzanyo zabo.
Izamuka ry’inguzanyo zitishyurwa rifite ingaruka zikomeye ku bukungu bw’igihugu. Bishobora gutuma amabanki atinya gutanga inguzanyo nshya, bigahungabanya ishoramari n’iterambere ry’ubucuruzi. Ibi bishobora no gutuma ubukungu bugenda biguru ntege, bikagira ingaruka ku mibereho y’abaturage muri rusange.
Ibiganiro hagati ya Banki Nkuru ya Ghana n’amabanki yo mu gihugu ni intambwe ikomeye mu guhangana n’ikibazo cy’izamuka ry’inguzanyo zitishyurwa. Ni ngombwa ko hafatwa ingamba zinoze zo gufasha abafashe inguzanyo guhura n’ibibazo by’amikoro kongera kwishyura, ndetse no gushyiraho uburyo bwiza bwo gutanga inguzanyo kugira ngo ubukungu bw’igihugu bukomeze gutera imbere mu buryo burambye.
