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Impact Stories

From Hesitation to Confidence — How Sarah Aidoo Scaled Kyidom Rice with the Agrifood Enterprise Program

From Hesitation to Confidence — How Sarah Aidoo Scaled Kyidom Rice with the Agrifood Enterprise Program Meet Sarah Aidoo, a 30-year-old Accra entrepreneur and founder of Kyidom Rice. Like many early-stage agripreneurs, Sarah had a vision—but lacked the confidence, skills, and platform to bring it to life. For a long time, she stayed away from business competitions and dealrooms, unsure how to present her ideas or attract funding. “Before the Agrifood program, I had given up on participating in competitions and dealrooms to put my business out there,” she recalls. That changed when Sarah joined the Agrifood Enterprise Program by Africa Skills Hub. Through hands-on training in design thinking, pitching, and stakeholder engagement, she began developing the entrepreneurial mindset and technical skills she once lacked. One-on-one coaching sessions helped her refine her pitch deck and gave her the clarity to step into the spotlight with confidence. The program’s impact extended beyond training. Sarah secured a soft loan through the initiative, enabling her to scale operations at Kyidom Rice. With this boost, she expanded production and increased her contribution to household income. “Through the program, I received funding to help scale my business. I now consistently contribute more to household expenses as my business grows,” she says. Today, Sarah has not only strengthened her brand presence—she’s creating jobs. Her business now employs three casual workers, including two women. Her improved storytelling and pitching abilities have opened doors to new opportunities for growth and collaboration. “The Agrifood program has been instrumental in my business journey. I’m now more confident in promoting my business and creating opportunities for others,” she affirms. Sarah’s story highlights the transformative impact of Africa Skills Hub’s Agrifood Enterprise Program—a program that equips women and youth agripreneurs across Ghana with the tools, mentorship, and funding they need to thrive. With her sights set on the future, Sarah is determined to build Kyidom Rice into a nationally recognized brand—one that empowers her community and feeds even greater ambition.

Impact Stories

From Setback to Scale-Up: Yvonne Nouriyee’s Journey Through BRIDGE-in Agriculture

From Setback to Scale-Up: Yvonne Nouriyee’s Journey Through BRIDGE-in Agriculture Yvonne Nouriyee, a 32-year-old entrepreneur from Adenta Frafraha in Ghana’s Greater Accra Region, made a bold shift from development work to running her own business. But the path to entrepreneurship wasn’t smooth. “When I started, I made countless mistakes. I knew very little about budgeting, record-keeping, or managing a business effectively,” Yvonne recalled. Despite receiving many orders, she struggled to make a profit. Without proper financial tracking, she couldn’t account for her expenses or measure growth. She also lacked the confidence and skills to pitch her business and attract support. “There were thriving businesses all around me. I just wanted to understand what they were doing right,” she said. Everything changed when she came across Africa Skills Hub’s LinkedIn post about the BRIDGE-in Agriculture (BIA) financial literacy training. “I was eager to learn and grow—not just for myself, but for my business and my community. The chance for free, quality education felt like the right step,” she shared. The program gave her practical skills in budgeting, business organisation, financial accountability, and pitching. She learned to develop business model canvases and pitch decks that gave her venture structure and purpose. “The facilitators used our businesses as case studies. That made the lessons easy to understand and apply immediately,” she said. Unlike other training she had encountered, BIA was tailored to the realities of entrepreneurs like her. “Most trainings are too general. This one felt made for me. I could apply everything directly to my business,” Yvonne noted. The impact was transformative. For the first time, she saw herself as more than just a business manager—she saw herself as a brand builder and a true entrepreneur. “Before the training, I was shy and not confident about my business. Now, everything has changed. The way I carry myself and represent my brand speaks volumes,” she added. A breakthrough followed when Africa Skills Hub featured her story in a Facebook post. The post gained traction and sparked interest far beyond her immediate community. “I woke up to messages and tags. People from Ghana, Côte d’Ivoire, and other places were reaching out. It was incredible,” she recalled. The exposure gave her business a powerful boost. And when she won a grant through the program, she used it to rebrand her packaging and expand her product line from three to seven chocolate varieties. “Winning that grant gave my business the push it needed,” she said. With the funds, she also hired new staff, including a young woman, to handle her communications and social media, further strengthening her operations and visibility. Today, Yvonne’s business is more than a commercial venture. It’s a platform for empowerment. She now offers internships and one-year residential training for young women, covering accommodation, meals, and skills development. “We support at least one female each year with hands-on training to help her become economically independent,” she explained. Yvonne hopes to acquire a dedicated facility to house her machinery and launch a formal training centre. This next phase will expand her production capacity and deepen her social impact, training and equipping more young people with the skills they need to thrive.

Programme Report

Beyond the balance sheet: Factors shaping loan repayment among agribusiness smes in ghana

Beyond the balance sheet: Factors shaping loan repayment among agribusiness smes in Ghana ABSTRACTAccess to finance remains critical for the growth and sustainability of agribusiness SMEs in  Ghana. However, loan repayment challenges continue to undermine financial institutions’ willingness to extend credit to this sector, limiting rural economic development and  agricultural productivity. Despite numerous localized studies, there remains a lack of systematic synthesis of the diverse factors influencing loan repayment among agribusiness SMEs. This study addresses that gap by conducting a systematic review of empirical and  institutional studies published between 2012 and 2024. The findings reveal that financial literacy, loan size and structure, farm profitability, collateral requirements, loan diversion, group lending mechanisms, and environmental shocks are among the key determinants of repayment performance. The results highlight the multidimensional nature of repayment behavior, shaped by borrower characteristics, institutional practices, and external vulnerabilities. Enhancing financial literacy, streamlining loan processes, strengthening monitoring, and improving market access are essential to improving loan recovery rates. A resilient financial ecosystem that supports SME adaptability and mitigates systemic risks will be crucial to catalyzing sustainable rural economic transformation. The study offers critical insights for policymakers, lenders, and development practitioners seeking to strengthen agribusiness finance in Ghana. Keywords: Loan Repayment, Agribusiness SMEs, Financial Literacy, Credit Access, Ghana, Agricultural Finance INTRODUCTION Ghana’s agricultural sector remains a backbone of its economy, contributing approximately 20% to its Gross Domestic Product (GDP) and employing over 33% of the labor force (Ghana Statistical Service, 2023). Agribusiness SMEs, small and medium-scale enterprises  operating along the agricultural value chain, play a pivotal role in advancing rural development, ensuring food security, and enhancing income opportunities, particularly for women and youth. Despite their importance, agribusiness SMEs face persistent challenges in accessing and repaying credit. Financial institutions continue to label the sector as high-risk due to loan default rates, weather-related uncertainties, limited financial records, and the informal nature of many agribusiness operations. According to the Bank of Ghana (2022), non-performing loans in the agricultural sector were estimated at 15.4%, compared to a national average of 12.2%, illustrating the magnitude of the challenge. Understanding the factors that influence loan repayment is essential for addressing these gaps. Improved loan recovery benefits not only financial institutions, by strengthening their confidence to lend, but also agribusinesses by ensuring their sustained access to credit. Download Report

Research Report

African Youth Panel

African Youth Panel The African Youth Panel (AYP) is a bold participatory action research initiative launched to tackle one of Africa’s most pressing challenges — the lack of dignified and fulfilling work for its growing youth population. Backed by a dynamic partnership between TrustAfrica and the Mastercard Foundation, AYP is giving 200 young changemakers (73% women, 67% from rural areas, 10.5% persons living with disabilities, 89% persons with no tertiary level education) across 10 African countries the tools, voice, and platform to reimagine the future of work — on their terms, in their communities, and for their generation. Countries: Ethiopia, Ghana, Kenya, Malawi, Nigeria, Rwanda, Senegal, Tanzania, Uganda, Zimbabwe. Read More

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