Lack of financing is the major constraint for the agriculture sector in Ghana. Risk mitigating measures are planned to improve access to financing and this is the challenge that falls directly within the domain of the central bank in promoting agricultural finance.

Access to financing is vital for the growth of the agriculture sector in Ghana, mainly for working capital such as acquiring inputs (seedlings, farm fertilizer) and for hiring labor, as well as for fixed capital acquisition such as machinery. The absence of financing limits the average acreage of cultivated farmlands and thereby, impedes agricultural growth with consequences for the macro economy as a whole.