GHANA ENTERPRISES AGENCY

WENCHI BAC

RD
FOURTH3QUARTER
QUARTER
REPORT
REPORT

TH
DATE OF SUBMISSION:
SUBMISSION 17
15/12/2021
SEPTEMBER,
2022
Table of Contents
EXECUTIVE SUMMARY.........................................................................................................................1
1.0 INTRODUCTION...........................................................................................................................2
2.0 ADMINISTRATIVE ISSUES.........................................................................................................2
2.1 STAFF STRENGHT....................................................................................................................2
2.2 APPOINTMENTS.......................................................................................................................2
2.3 PROMOTIONS...........................................................................................................................2
2.4 STAFF ON LEAVE....................................................................................................................3
2.5 RESIGNATION/VACATION OF POST/RETIREMENT..........................................................3
2.6 TRANSFERS...............................................................................................................................3
2.7 STAFF TRAINING AND DEVELOPMENT..............................................................................4
2.8 MEETINGS.................................................................................................................................4
2.9 OTHERS......................................................................................................................................5
3.0 ACTIVITIES PLANNED FOR THE QUARTER/YEAR...............................................................5
4.0 ACTIVITIES UNDERTAKEN IN THE YEAR..............................................................................6
4.1 Financial Activities......................................................................................................................6
4.1.1 Loan Schemes......................................................................................................................6
4.1.2 Loan Approvals....................................................................................................................6
4.1.3 Loans Disbursed.........................................................................................................................7
4.1.4. Loan Repayment........................................................................................................................7
4.1.5 Loans in Default.........................................................................................................................8
4.1.6 Flow of Funds for the Period...............................................................................................9
4.2 Non Financial Activities..............................................................................................................9
4.2.1 Regional Office....................................................................................................................9
4.2.2 BUSINESS ADVISORY CENTRES (BACs).....................................................................9
4.2.3 Summary of Activities Implemented by the BACs...................................................................10
4.2.4 Provision of Information...........................................................................................................14
4.2.5 Projects and other Collaborations......................................................................................15
6.0 INVITATIONS TO SEMINARS AND WORKSHOPS.................Error! Bookmark not defined.
7.0 ACTIVITIES PLANNED FOR THE NEXT QUARTER/YEAR..................................................16
8.0 IDENTIFICATION OF SERVICE PROVIDERS.........................................................................16
9.0 NETWORKING...............................................................................Error! Bookmark not defined.
10.0 CHALLENGES AND RECOMMENDATIONS.......................................................................16

i
 10.1 Regional Secretariat and Project Unit....................................................................................16
10.2 Business Advisory Centres (BACs).......................................................................................16
12. CONCLUSION.............................................................................................................................17
APPENDICES...........................................................................................................................................18
APPENDIX I STAFF LIST...................................................................................................................18

ii
EXECUTIVE SUMMARY
This progress report highlights the activities undertaken from the month July to September, 2022 by the Wenchi
Business Advisory Centre.

The report explains activities implemented during the period under review in various components as well as
planned programs for the next quarter. Additional information captured is based mainly on output indicator,
financial report, partner institutions as well as other activities that were executed and challenges and
recommendations.

ADMINISTRATIVE ISSUES
The staff strength of the Wenchi BAC in the Bono Region as at the end of 3 rd Quarter was four (4). These staff
consisted of one (1) Senior Officer and three (3) Junior Officer.

There has been one transfer, no promotions, dismissals, resignations, vacation of post, appointments retirements
or death under the period under review

No financial allocation was made to the Center during the quarter under review.

No amount was generated through the Board’s activities in the Municipality during the quarter

The Office Imprest Account balance as at …………………, was GH¢…………………..

FINANCIAL ACTIVITIES
The Secretariat has ……… () credit schemes and is currently conducting recovery on loans in default under
these credit schemes. The credit schemes are: ………………….

During the year under review, loans totaling GH¢………….. was repaid under the NBSSI-EDAIF Credit
Scheme.

A total amount of GH¢………………….. remained as default as at the end of the quarter for the ……….. ()
credit schemes. The breakdown is as follows: NBSSI/DED GH¢………, Revolving fund GH¢…………,
MASLOC GH¢………… and NBSSI/EDAIF Scheme GH¢……………..

NON- FINANCIAL ACTIVITIES

During the quarter, a total of three activities were undertaken for 53 clients. This is made up of 23 males and
female 30

OUTCOME OF ACTIVITIES
The interventions of the Board through its non-financial and financial activities yielded positive results during
the year/quarter. A total of 69 Entrepreneurs comprising of 31 males and 38females reported positive effects on
their businesses during the follow-ups conducted by the BACs.

CHALLENGES
The major constraints which affected the implementation of the Board’s programs during the quarter were;

1
  Weak logistics
 Irregular flow of imprest
 Under staffing

CONCLUSION

The BAC will continue to strive and play its role of promoting competitive MSEs and providing an enabling
environment for MSEs in the Municipality to strive, notwithstanding the limitations. It is also hoped that the
recommendations made would be considered.

1.0 INTRODUCTION

This report provides information on activities undertaken from July to September, 2022 by the Wenchi
Business Advisory center of the Wenchi Municipal in the Bono Region.

The report explains activities implemented during the period under review in various components as
well as planned programs for the next quarter. Additional information captured is based mainly on
output indicator, financial report, partner institutions as well as other activities that were executed and
challenges and recommendations made to ensure effective delivery of our mandate.

2.0 ADMINISTRATIVE ISSUES

2.1 STAFF STRENGH
The Center at the end of the quarter had four (4) members of staff made up of one (1) senior and three
(3) junior officers at its office in Wenchi Municipal.
There is one (1) female senior staff, one (1) female junior staff and two (2) male junior members of staff.
(See appendix 1 for details)
2.2 APPOINTMENTS
During the period under review, no new members of staff were appointed. The table below gives the
details.

2
No. Staff No Name Sex Grade Location Effective Date

2.3 PROMOTIONS
The Board promoted no staff during the quarter.
Details are provided in the table below.
No. Name Station Staff No Previous Current Date of First Effective Date of
Grade Grade Appointment Promotion

2.4 STAFF ON LEAVE

No female staff was granted maternity leave and No Officers took their annual leave during the period
under review. The leave details are as follows;
No. Name Rank Station Date to Commence Date to Resume
Leave Duty

2.5 RESIGNATION/VACATION OF POST/RETIREMENT

During the period under review, no members of staff resigned, no staff vacated post and none
proceeded on retirement. Details are provided in the table below.
No. Staff No Name Sex Grade Location Effective Date

Resignation

Vacation of Post

Retirement
3
No. Staff No Name Sex Grade Location Effective Date

2.6 TRANSFERS
No member of staff went on transfer during the period under review:
No. Staff No. Name Grade Old Station New Station Effective Remarks
Date

2.7 STAFF TRAINING AND DEVELOPMENT

Training programmes, seminars and workshops attended locally or abroad by staff are shown in the
table below:
No. Name Position Station Type of Training Date Sponsor Venue

1 Evelyn BAC Wenchi Orientation on 7th GEA Hill View Hotel

Yangnuu Head GETP Phase II August - -Accra
and Ghana Jobs 10th
and Skills August
2022

2.8 MEETINGS
During the period under review, seven (7) meetings were attended by various members of staff in the
region. Details are provided in the table below;
No. Date Attendee Organizer Venue Issues Discussed
1 28/07/2022 BAC Head Wenchi Municipal Presentation and 
Municipal Assembly HallDiscussion of
Assembly Executive
Committee
Report
2 11/08/2022 BAC Head Wenchi WMA Conference Correction of previous
Municipal Hall minutes
Assembly(WMA) Consideration of 2022
4
 Revised Budget
Estimates
3 16/08/2022 BAC Head Wenchi WMA Conference  Construction of
Municipal Hall New market
Assembly(WMA) stores
 Temporal
relocation of
traders
4 19/08/2022 BAC Head GEA Regional Regional Office  Sensitization on
Secretariat GJSP and GEPT
phase II
 IGF targets for
2022
 Progress report
5 29- BAC Head Wenchi Municipal  Presentation of
31/08/2022 Municipal Assembly Hall Annual Plan and \
Assembly(WMA budget
Implementation
 Review of Rates,
Fees, Fines and
Charges for 2023
6 2/09/2022 BAC Head Wenchi Our Lady of Fatima  Regularization
Municipal Catholic Church agreements
Assembly(WMA between
Assembly and
Occupants of
Assembly stores
7 6/09/2022 BAC Head GEA/Access Zoom  Discussion of
Bank loan facilities

2.9 OTHERS
Please provide information on any other administrative activities not captured in the above sections.

3.0 ACTIVITIES PLANNED FOR THE QUARTER

The table below captures the activities planned for the period under review.
(Please include all activities planned for the period.)

NO. TYPE OF ACTIVITY NUMBER OF ACTIVITIES

Regional Office & Project Office
1. Monitoring of REP-sponsored BACs
2. Financial Back-stopping for REP-sponsored BACs

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3. RECOMEP Meetings
4. Loans Monitoring & Recovery
5. Review and Appraisal of Business Plans
6. Coordination of Kaizen Project
7. Others (Please specify)
Sub-total
BACs
1. Technical Training
2. Management Training
3. Business Counseling
4. Information Seminar 1
5. Follow-up 2
6. Needs Assessment
7. Group Development Training
8. Study Tour
9. Business Plans to be Prepared
10. Stakeholders/Network Meeting
11. Presentation of Start-up Kits
12. Trade Show
13. Access to Credit
14. NVTI Certification
15. Registration of Businesses with RGD 1

Sub-total
TOTAL 4

ACTIVITIES PLANNED FOR THE QUARTER

No. ACTIVITY OBJECTIVE TARGET VENUE NO. OF PART SOURCE OF

FUNDING
Wenchi BAC
Stakeholder To discuss Selected Wenchi 20 Wenchi
Consultativ ways stakeholder Municipa Municipal
e Meeting projecting s l Assembly
and Assembly
Hall
Supporting
MSME’s in
the
Municipal
Technical To introduce Selected Tohaba 50 Wenchi
Training in clients to Clients Hotel Municipal
6
 Packaging different Assembly
types
packaging
skills that
will attract
customers
and increase
Sales
Business To guide and Carpenters Assembly 30 Wenchi
Counseling assist clients Hall Municipal
to reach their Assembly
financial
goals
……….BAC

…………BAC

……….BAC

4.0 ACTIVITIES UNDERTAKEN DURING THE QUARTER

4.1 Financial Activities
4.1.1 Loan Schemes
The Regional Secretariat operates the under listed loan schemes;
 NBSSI/EDAIF Loan Scheme
 Revolving Fund Loan Scheme
 Others (Please Specify)
4.1.2 Loan Approvals
During the quarter under review, no amount was approved as loans to clients under the following;
No. Loan Scheme Amount Approved (GH¢)
1. NBSSI/EDAIF Loan Scheme
2. CAPBuSS
3 NBSSI/ Mastercard Foundation
4. Others (Please specify)
Total
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 4.1.3 Loans Disbursed
The table below captures loans disbursed by the secretariat in the quarter/year.
No. Loan Scheme Amount Disbursed (GH¢)
1. NBSSI/EDAIF Loan Scheme
2. CAPBuSS
3. NBSSI/ Mastercard Foundation
4. Others (Please specify)
Total

4.1.4. Loan Repayment

No amount was repaid under the NBSSI/EDAIF Loan Scheme and the CAPBuSS. Details are as
follows;
a. NBSSI/EDAIF Loan Scheme
No. Name of Amount Paid Repayment by Repayment by Sector
Borrower Gender
Total Amt. Paid by Each
Total Amt. Paid by Borrower
Each Borrower
Principa Interest Total Male Female Service Agric Manuf.
l

 
TOTAL

b. CAPBuSS
No. Name of Amount Paid Repayment by Repayment by Sector
Borrower Gender
Total Amt. Paid by Each Borrower
Total Amt. Paid by
Each Borrower
Principal Interest Total Male Female Service Agric Manuf.

 
TOTAL

8
 c. NBSSI/ Mastercard Foundation
No. Name of Amount Paid Repayment by Repayment by Sector
Borrower Gender
Total Amt. Paid by Each Borrower
Total Amt. Paid by
Each Borrower
Principal Interest Total Male Female Service Agric Manuf.

 
TOTAL

4.1.5 Loans in Default

No amount remained as default as at the end of the quarter for the ….. () credit schemes. The
breakdown is as follows: Revolving fund, GH¢……., MASLOC GH¢…… and NBSSI/EDAIF Scheme
GH¢……..
4.1.5.1 Details of Loan Repayment Performance

Revolving Principal (GH¢) Interest (GH¢) Total (GH¢)

Outstanding in default
Repayment during the Quarter
Repayment performance for the Quarter (%)
Cumulative repayment performance (%)

MASLOC Principal (GH¢) Interest (GH¢) Total (GH¢)

Outstanding in default
Repayment during the Quarter
Repayment performance for the Quarter (%)
Cumulative repayment performance (%)

NBSSI/EDAIF Principal (GH¢) Interest (GH¢) Total (GH¢)

Outstanding in default
Repayment during the Quarter
Repayment performance for the Quarter (%)
Cumulative repayment performance (%)

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 CAPBuSS Principal (GH¢) Interest (GH¢) Total (GH¢)
Outstanding in default
Repayment during the Quarter
Repayment performance for the Quarter (%)
Cumulative repayment performance (%)

NBSSI/Mastercard Foundation Principal (GH¢) Interest (GH¢) Total (GH¢)

Outstanding in default
Repayment during the Quarter
Repayment performance for the Quarter (%)
Cumulative repayment performance (%)

4.1.6 Flow of Funds for the Period

4.1.6.1 Internally Generated Funds
During the period under review, the center did not generated funds internally.
4.2 Non-Financial Activities
4.2.1 Regional Office
Give detailed account of all activities undertaken by the Regional Office (Regional Manager, project
Officer and Accountant) during the quarter under review.

4.2.2 BUSINESS ADVISORY CENTRES (BACs)

NAME OF ACTIVITY OBJECTIVES TARGET VENUE NO. OF PARTS. REMARKS

BAC GROUP M F T
WENCHI Client follow To track and Selected Wenchi 8 22 30
up assess the clients Municipal
grow of
businesses of
GEA clients
YAW To ascertain Selected Wenchi 15 8 23
monitoring the impact of Clients Municipal
the project on
the standard of
living of
beneficiaries

Sensitization To educate Youth Wenchi Sensitizatio

10
 on GJSP and target groups Associations, Municpal n still on
on the Trade going
objectives, Associations,
criteria, and Faith Based
application Organisations,
process of Persons with
both projects Disability,
Small &
Medium
Business
Owners etc

Total 23 30 53

4.2.3 Summary of Activities Implemented by the BACs

ACTIVITIES
Training Activities No of Act. Male Female Total
Leadership Training/Group Dynamics

1. REP
2. GEA/MCF/YAW

3. GIZ
4. Other (Specify)

Technical Training:
1. REP

2. GEA/MCF/YAW
3. GIZ

4. Other (Specify)
Management Training

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 1. REP

2. GEA/MCF/YAW
3. GIZ

4. Other (Specify)
Start Your Business Workshop

1. REP
2. GEA/MCF/YAW

3. GIZ
4. Other (Specify)

Information/Entrepreneurship Seminars
1. REP

2. GEA/MCF/YAW
3. GIZ

4. Other (Specify)
Corporate Diagnosis

1. REP
2. GEA/MCF/YAW

3. GIZ
4. Other (Specify)

Needs Assessment
1. REP

2. GEA/MCF/YAW
3. GIZ

4. Other (Specify)
Kaizen Improvement Activity Implementation

1. REP
2. GEA/MCF/YAW

3. GIZ
4. Other (Specify)

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Packaging/Product Improvement Training

1. REP
2. GEA/MCF/YAW

3. GIZ
4. Other (Specify)

Advocacy & Lobbying Skills Training

1. REP

2. GEA/MCF/YAW
3. GIZ

4. Other (Specify)
Follow ups

1. REP

2. GEA/MCF/YAW 1 15 8 23
3. GIZ

4. Other (Specify)
Literacy & Numerical Skills Training

1. REP
2. GEA/MCF/YAW

3. GIZ
4. Other (Specify)

Other Activities

Study Tours/Industrial Visits

1. REP

2. GEA/MCF/YAW
3. GIZ

4. Other (Specify)
Registration of Apprentices

1. REP

13
 2. GEA/MCF/YAW

3. GIZ
4. Other (Specify)

Internship
1. REP

2. GEA/MCF/YAW
3. GIZ

4. Other (Specify)
Business Formalization (RGD)

1. REP
2. GEA/MCF/YAW

3. GIZ
4. Other (Specify)

Business Formalization (FDB)

1. REP

2. GEA/MCF/YAW
3. GIZ

4. Other (Specify)
Business Formalization (GSA)

1. REP
2. GEA/MCF/YAW

3. GIZ
4. Other (Specify)

Presentation of Start-up Kits

1. REP

2. GEA/MCF/YAW
3. GIZ

4. Other (Specify)
Trade Fairs Organized

14
 1. REP

2. GEA/MCF/YAW
3. GIZ

4. Other (Specify)
Stakeholders Meeting

1. REP
2. GEA/MCF/YAW

3. GIZ
4. Other (Specify)

Access to Markets (Fairs and Exhibitions Attended)

Counselling & Extension Services

Advisory (Provision of Information)

Enterprise Site Inspection

NVTI Exams
Farmer Field Fora

Total 1 15 8 23

4.2.4 Advisory Services (Provision of Information)

During the period under review, a total of sixty- three (63) persons/clients visited the BACs for
information on various services. This was made up of twenty- five (25) males and thirty-eight (38)
The table below provides details of areas for enquiry.

AREA OF ENQUIRY MALE FEMALE TOTAL

Financial Assistance 6 8 14
Business Start-up 2 5 7
Registration with RGD 5 6 11
Registration with GEA 3 3 6
Registration with GSA/FDA 2 2 4
Marketing of Products 0 3 3
Training Programmes 4 7 11
Others (NVTI Registration) 3 4 7
Total 14 38 63

4.2.5 Facilitating MSME Access to Credit

During the period under review, no persons/client made up of was assisted to access credit.
15
 The table below provides details of MSE access to credit.

DESCRIPTION/ITEM NO OF AMOUNT GRANTED(¢)

BENEFICIARIES
M F TOTAL M F TOTAL
REDF
Marching Grant
MP’s Common Fund
NBSSI
Others (Specify)
Total

4.2.6 Projects and other Collaborations

(Please report on Projects and other collaborations undertaken by the Board in your region for the
period under review)

5.0 OUTCOME OF ACTIVITIES

The programmes undertaken previously and currently by the Board continuously impact positively on
the business of MSME beneficiaries. Details are captured in the table below.

OUTCOME Male Female Total

Businesses Adopting New technology 0 0 0
Businesses Adopting Improved Technology 1 2 3
New Jobs Created 1 2 3
New Business Established 3 2 5
Businesses Diversifying Product 0 0 1
Businesses Diversifying Business 2 3 5
Businesses Adopting Improved Packaging 0 2 2
Businesses Recording Increasing Sales 3 4 7
Businesses Keeping Business Records 4 5 9
Businesses Selling Outside Home District 1 3 4
Businesses Having Access to MSME Information 4 6 10
Businesses Operating Active Bank Accounts
2 2 4
Businesses Supplying Products to Larger Enterprises 0 1 1
Businesses adopting good workshop safety and
4 10 14
environmental management practices
Businesses with Improved Product Quality 2 0 2
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Businesses with improved Management Practices 0 0 0
Businesses registered/contributing to SSNIT 0 0 0
Businesses Accessing New Markets 0 2 2
Businesses Recording Increased Production 2 1 3
Businesses with good credit management and improved loan
0 0 0
repayment
Businesses employing good customer relations 3 3 6
Businesses that have Accessed Institutional Credit 0 0 0
Women Owned Businesses that have Access to Institutional
0 0 0
Credit
Businesses Adopting Occupational Safety Health and
0 0 0
Environmental Management
LTAs with improved leadership 3 2 5
LTAs networking with others 1 1 2
Businesses Recording Increased Profit 2 3 5

6.0 ACTIVITIES PLANNED FOR THE NEXT QUARTER

No. ACTIVITY OBJECTIV TARGET VENUE NO. OF PART SOURCE OF
E FUNDING
Wenchi BAC
Business To support Selected 20 REP
Formalizatio clients Clients
n formalize
their
business
Follow up To advise Selected 50 REP
clients to established Clients
update clients on
GIS/Business how to
Counseling exploit
growth
opportunitie
s
Internship To expose Selected 5 REP
Participants Clients
to their
various
trades and
also enable
them learn
new skills
Sensitization To create Small and GEA
and awareness Medium
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 Application of projects Business
of GETP & and Operators,
GJSP maximize its Trade
patronage Associations,
by the Youth
Targeted Associations,
groups Faith Based
Organization
s ETC
Sensitization To educate Trade WMA
on Business the business Associations,
Registration owners and Business
operators on owners and
the benefits Operators
of business
registrations
.

7.0 IDENTIFICATION AND REGISTRATION OF SERVICE PROVIDERS

8.0 CHALLENGES AND RECOMMENDATIONS

8.1 Regional Secretariat and Project Unit

No. Challenges Recommendations

Regional Secretariat

Project Unit

8.2 Business Advisory Centres (BACs)

No. Challenge Recommendations
WENCHI BAC
Weak office logistics The Office should be provided with office
equipment such as Printer and Photocopier Machine
to protect and manage official documents for
purposes of records keeping and confidentiality as
well as saving personal cost.

Irregular flow of Imprest The Wenchi BAC should be provided with imprest
for regular servicing and maintenance of the over
18
 No. Challenge Recommendations
two decade’s old vehicle and 10 years old Motorbike
while the national authority takes immediate steps to
provide a new vehicle and Motorbike to make the
Office more mobile and vibrant.

Under Staffing The board should consider recruiting more staff

to assist BAC Heads with their work.

9.0 CONCLUSION

It is hoped that the BAC will continue to strive and play its role of promoting competitive MSEs and providing
an enabling environment for MSEs in the Municipality to strive, notwithstanding the challenges.

APPENDICES
APPENDIX I: STAFF LIST

No. Name Station Position M/F Snr/Jnr Tel.

1 Evelyn Wenchi BAC Head F Snr 0542400975
Yangnuu
2 Oppong Wenchi Driver M Jnr 0243587320
Isaac Inspector
3 Bright Antwi Wenchi Nss M Jnr 0595893772/0542560161
4 Harriet Duah Wenchi Nss F Jnr 0554736192
Ababio

APPENDIX II: SUCCESS STORIES

Georgina Don- Oroma, a 33 year old dressmaker is a client of the Wenchi Business Advisory Center
and a beneficiary of the Apprenticeship to Entrepreneurship (A2E) Component.
19
 Before the intervention, Madam Georgina operated from limited space and due to this challenge had to
limit the number of apprentices she engaged. She also recorded low income and had no additional
business.

She was approached by the BAC and taken through a series of trainings. She was also advised to apply
for the A2E component of the YAW project.

After taking part in the Start Your Business Workshop and receiving the start-up kits, things have
turned for the better for Georgina Don-Oroma.

Madam Georgina has been able to move into a more spacious shop which is able to contain the number
of apprentices she desires to engage and has engaged 3 apprentices so far.

She has also been able to start an additional business which is the sale of kente and cloths. This
business she says compliments her dressmaking business very well as most of her customers now
patronize their material for sewing from her.

Madam Georgina admitted that the Start-up Kit coupled with the CAPBuSS funds she received from
GEA has really helped her sustain her livelihood and also acquire some household assets.

She is recording high income now as she now uses social media to augment her sales and to get more
customers. She now records a turnover of GH₵800 monthly.

“I am very grateful to GEA and BAC for the support I have received thus far. I have been able to rent a
more spacious shop and also start an additional business with the CAPBuSS funds. These interventions
were very timely. I can now take care of by family. My business has also experienced growth” She
expressed to BAC staff during a monitoring visit

20
Madam Georgina at her new Shop A section of the shop

Display of her products of her additional Business

21
APPENDIX III: PICTURE GALLERY OF GETP & GJSP SENSITISATION ACTIVITIES IN
THE WENCHI MUNICIPALITY

Sensitizing apprentices of Hairdressing on the Ghana Jobs and Skills project

A section of audience during Sensitization on GJSP for Tailors and Dressmakers Association

22
Sensitization on GETP & GJSP on Royals Fm Emmanuel Presbyterian Church

Seventh Day Adventist Church Ebenezer Presbyterian Church

Our Lady of Fatima Catholic Church A congregant asking questions

23