The Ghana 2021 Population and Housing Census recorded an average household size of 3.6 at the national level with substantial regional variations. Notwithstanding this, residential clusters in rural areas lack the three services providing facilities, including education, health services, and financial services.
The 2021 PHC reported that Seventy-three (73%) percent of residential clusters in rural areas in the country do not have all the three required levels of basic education, i.e. pre-primary, primary, and junior high school.
It’s worth noting that nearly one-third of rural residential clusters nationwide (and 6% of urban clusters nationwide) do not have any facility providing education services.
Most of the residential structures (51%) in the country are situated outside the recommended distance (1km) radius from the pre-primary school.
The report also highlighted that more than half (57%) of residential structures were located more than five kilometres from a bank compared with 66 percent located more than five kilometres from microfinance and 77 percent located more than five kilometres from a savings or credit union.
The PHC clearly indicates where the Government should focus on to achieve the country’s financial inclusion and development strategy for 2023 which includes increasing proximity of financial access points such as banks and ATMs as a means to reducing impediments to financial inclusion.
The country’s rural areas have the largest percentage of residential structures living farthest from education and health services making it difficult for people to access education and health services.
About (93%) of rural residential clusters nationwide do not have a facility providing financial services which forms a barrier to accessing formal financial services in the country.
Source: Abdul-Razak Mohammed (Real Estate Times Africa)