CGAP 127d ago

This story highlights how young women in Ghana use small business earnings to invest in education and build financial resilience. Bertha Eshun, 24, runs a small bakery in Aburi, Ghana. She launched her business with personal and family savings, and she’s now setting aside income to fund her future tertiary education—her dream is to become a nurse. To stay disciplined, Bertha keeps business expenses and personal savings in separate accounts, avoiding the temptation to spend cash kept at home. Watch to learn how Bertha balances daily operations with long-term ambitions and what keeps her motivated. Chapters [3:41]: 0:00 — Meet Bertha: baker, 24, Aburi, Ghana 0:20 — Starting up: personal and family savings as seed capital 0:45 — Daily operations: balancing production, sales, and cash flow 1:10 — Saving for nursing school: clear goals, consistent habits 1:35 — Separate accounts: business expenses vs. personal savings 2:00 — Avoiding temptation: why she keeps savings out of the house 2:25 — Staying motivated: turning a dream into a plan 2:50 — What she’s learning: money management from running a bakery Subscribe to CGAP: https://www.youtube.com/@CGAP Related CGAP insights: Focus Note: Pathways to Financial Inclusion for Young Women: Opportunities for Financial Service Providers and Funders: https://www.cgap.org/research/publication/pathways-to-financial-inclusion-for-young-women-opportunities-for-financial #FinancialInclusion #Ghana #Savings #FinancialLiteracy #WSMEs #Aburi #WomenInBusiness