The article examines how small businesses in Ghana can get money to grow and sell their products. The researchers used surveys and interviews to gather information. They found that small businesses can use personal savings, loans from banks, and help from the government to get money. But some businesses struggle to get money because they don't have enough assets or good financial records. They also found that businesses need to learn more about finance and build good relationships with lenders to succeed. The researchers suggest that the government should make it easier for businesses to get loans to help them grow.