| http://www.w3.org/ns/prov#value | - phone.Statistics show that in the remote areas of sub-Saharan Africa, less than 20 percent of the population has access to any type of formal financial institution, defined as a bank, microfinance institution or cooperative.But access to financial services is a key aspect of development where credit and savings allow households to invest, save and respond to shocks.In Ghana, this figure rises to
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