Inspiring Business I wwwinspiringnet.com I Monday 17th November 2025
Introduction
The 2026 Budget, themed “Resetting for Growth, Jobs and Economic Transformation,” is not just a national policy document—it is a roadmap full of practical opportunities for the everyday Ghanaian. From agriculture and energy to digitalisation and tax reforms, the budget quietly reveals business pathways that anyone can use to earn more, start a business, and improve their livelihood.
Here are 10 practical opportunities Ghanaians can grab immediately.
10 Practical Opportunities Ghanaians Can Glean From the 2026 Budget
1. Falling Inflation & Stable Cedi → Import & Trading Opportunities
With inflation down to 8% and the cedi appreciating by 35%, imported items—clothes, gadgets, household items, accessories—will be cheaper.
Opportunity: Start a small import business or retail shop. Even mini-importers on WhatsApp can scale quickly.
2. VAT Reforms → Reduced Cost for SMEs
Government has reduced effective VAT from 21.9% to 20% and increased the VAT threshold to GH₵750,000.
Opportunity: Many micro businesses will no longer charge VAT—allowing small traders, caterers, tailors, and artisans to increase margins.
3. Zero-Rated VAT for Local Garments → Fashion & Tailoring Boom
VAT on locally manufactured textiles has been extended to 2028.
Opportunity: Fashion designers, seamstresses, and small garment shops can lower prices, increase production, and export.
4. Big Push Infrastructure Programme → Construction Jobs
With GH₵30 billion allocated to road development, demand for artisans will soar.
Opportunity: Start small construction support services—blocks supply, carpentry, tiling, plumbing, welding, painting, rental of tools.
5. Boost in Agriculture & Farmer Support → Agribusiness Growth
Government is supplying over 4,400 modern farm machinery.
Opportunity: Become an aggregator, set up a farm service centre, or run a tractor hiring business.
6. Oil Palm Development Fund → agro-processing
A US$1 million oil-palm financing window will support farmers.
Opportunity: Start small palm oil processing, soap-making, or packaging for local and export markets.
7. Rural Electrification Acceleration Programme → Local Electrical Services
The initiative will connect communities nationwide.
Opportunity: Electricians can set up installation businesses; youth can train to offer basic wiring, solar installations, and maintenance.
8. Domestic Infrastructure Bonds → Investment Opportunities
Government will issue domestic bonds targeted at infrastructure.
Opportunity: Ghanaians can invest for stable returns and build long-term financial security.
9. AI-Driven Customs Reforms → Courier & Compliance Services
Automation at the ports will tighten the system.
Opportunity: Start documentation services, freight forwarding support, courier services, and import consultancy.
10. Tariff Reductions & Stable Power Sector → Manufacturing Growth
Energy reforms will reduce production costs.
Opportunity: Start small-scale manufacturing—water bottling, baking, packaging, furniture, or local produce processing.
Conclusion
The 2026 Budget is more than numbers—it is a fresh start for individuals ready to take action. With stability returning and new business openings emerging, the ordinary Ghanaian now has real, practical pathways to start small, grow steadily, and build wealth. The opportunities are there; the next move is yours.
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