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The study collected primary data from the clients of Sinapi Aba Trust, a microfinance institution in Ghana to examine impact on clients. It used both qualitative and quantitative analytical tools to examine the data. Our analysis reveals that most clients earn relatively low incomes but engage in multiple jobs and use traditional saving practices to deal with income shocks. We separated clients into two based on their longevity of participation, and constructed vulnerability and empowerment indicators to run logistic regression. We found that old clients have received greater benefits and are more empowered from the programme compared to new clients. The author himself is a product of an unschooled mother who did everything possible to educate her children.

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Paul Onyina holds PhD in Economics from Macquarie University in Australia.He obtained his earlier degrees from University of Ghana. He works with Pentecost University College in Ghana. His previous experience with the Ghana Statistical Service makes him a strong pillar in research as exhibited in this book. He is married to Lydia with 3 children.

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