Credit Unions in Ghana face challenges with loan defaults, affecting their sustainability. A study looked at factors influencing loan defaults in Credit Unions in Kumasi. They found that education, loan diversion, monitoring, marital status, and income significantly impact loan defaults. Age, sex, and household size did not show a significant relationship with loan default. To reduce defaults, credit education should be increased, effective loan monitoring should be implemented, and robust loan appraisal systems with credit scoring should be developed.