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Will Trade be the same after Covid-19?



With the disruption of the global supply chain by Covid-19, there is concern as to where Africa’s future market and trading opportunities lie. Trade and export demands have dwindled for some companies and skyrocketed for other companies. For the first time in world history, the price of the West Texas Intermediate (WTF) Crude oil slammed into negative $37 per barrel in April, 2020.


The Covid-19 pandemic has taught all African economies the importance of self-reliance in healthcare, pharmaceuticals, agriculture, and PPE production. The AfCFTA could therefore not have come at a more opportune time as several African economies are beginning to look within and focus on local manufacturing and production of most essentials needs and exports.



As the government of Ghana stated in the objective response to COVID-19, we must inspire expansion of our domestic capability and deepen our self-reliance. We have seen this in our local manufacturing industries with our pharmaceuticals and distilleries collaborating to manufacture alcohol based sanitizers to meet the increasing demands.


How would COVID -19 affect export trade?

Export trade has been impacted through mass production shutdowns and supply chain disruptions. There is a huge supply chain challenge on the ability for businesses to ship and receive products on time due to logistic bottlenecks and limited workforce capacity. Countries that are net exporters of oil and gas will perhaps experience the biggest adverse impact. Other commodities such as coffee and copper prices will also plummet as a result of the impact of COVID-19 on export trade. The JP Morgan global Purchasing Managers’ Indices (PMIs) for March showed export orders in manufacturing sinking to 43.3 relative to a baseline value of 50, and new services in export business dropping to 35.5, suggesting a severe downturn.



Impact on the sub region

Across the region, COVID -19 has impacted businesses and sectors differently. The hospitality sector, due to border closures and reduction in international travel, tourism and entertainment have adversely been impacted, whilst technology services providers are seeing growth as people embrace the new normal, where organizations have employees working from home, students learning online, etc.



In addition, Covid-19 has disrupted global supply chain and this presents an opportunity for countries to look at rebalancing over-reliance on global suppliers in favor of more competitive regional and local manufacturers. This presents a huge opportunity for our local manufacturer. This is the time for local and regional manufacturers as well as exporters to collaborate to increase market share.


Financing Opportunities are available to Businesses


  1. Credit facilities for SMEs: There are both secured and unsecured loans available for the SME sector to access, and at Absa we offer unsecured loans of up to GHS 500,000 to SMEs among other credit solutions.
  2. Enterprise and supply chain development: Non-traditional bank lending solutions are provided to finance SMEs (who supply or distribute goods on behalf of a corporate organization) within Corporate’s value chain.
  3. Export Credit Agency (Backed Financing): ECAs are private or quasi-governmental institutions that acts as an intermediary between national governments and exportersto issue export insurance solutions and guarantees for financing.
  • This facility enables local manufacturers and exporters to purchase equipment needed for processing to add value to our raw materials for exports.
  • It also offers facilities with longer tenure and competitive interest rates.

For example, exporters within the small-scale industries can take advantage of the $300 million guarantees offered by EXIM US to source and procure machinery and equipment from the United States for their factories.

Some examples of ECAs are : Ghana EXIM Bank, United Kingdom Export Finance(UKEF), African Export-Import Bank (Afreximbank), and Export-Import Bank of the United States (Ex-Im Bank).


Taking advantage of such financing options help equip private-sector operators to add value to our raw materials through processing and thereby generating higher export value.


  1. Contingent liability solutions through Letters of Credit: This provides a higher level of security to exporters. Its inclusion in a contract of sale provides possible assurance to both parties (exporters & importers) and safeguards your business by determining;
  • Payment – A means of payment
  • Security – Independent  payment undertaking by the issuing bank
  • Credit function – Deferred payment terms


Opportunities for the Ghanaian business to meet the country and continent’s needs.


  • There is an opportunity for upscale and collaboration of our local industries to meet both local demand and that of the continent. Africa has the second-highest urbanization rate in the world and by 2050, 56% of its population will be urban (UNDP, 2017). Demand for food in urban areas, will reach $1 trillion and this is clear evidence of why local and regional manufacturers must scale up to meet the local demands as well as exports.


  • Investment opportunities exist in the Agro-processing industries to add value, reduce post-harvest losses, reduce our import bill, increase our exports and expand demand for local agricultural produce.


  • Developing arable land through irrigation is another key area. A report released by the African Development Bank Group (2017) noted that Africa has 65% of the world’s remaining uncultivated arable land. Ghana only has about 11 000 hectares irrigable land, with a potential to irrigate about 346 000 hectares (2010 Population and Housing Census Report/ Central Intelligence Agency – The World Factbook). This can boost our food crop harvest to meet both local and continental demands.


  • Distribution is another area of opportunity to meet the country and continent’s needs. Support services are in demand in Ghana, such as the supply and installation of cold chain equipment, packaging and factory building technology. In the distribution field, there are investment opportunities in providing post-production services needed in transport, packaging and cold vans.


Is there a silver lining in the Covid-19 crisis for Africa and AfCFTA?

There is a huge supply chain challenge. Logistic bottlenecks and limited workforce capacity that has affected the ability for businesses to ship and receive products on time. However as the old adage goes, “crisis is also an opportunity” and this is no exception. African countries can build more resilient and sustainable economies if they can do things right following the pandemic.



Covid-19 has disrupted global supply chain and this presents an opportunity for countries to look at rebalancing over-reliance on global suppliers in favor of more competitive regional and local manufacturers. There is a huge opportunity for our local and regional manufacturers to collaborate to increase market share.


How should Ghana and Africa navigate the waters now?

  • Significant attention must be given to the most sensitive part of our economy, that is, SME lending. According to the International Trade Centre and Association of Ghana, SMEs constitute about 85% of all businesses in Ghana; however, the pandemic has saddled the majority with several challenges that has affected operations and business growth. Support measures must be implemented to ease the burden businesses are going through and aid the smooth recovery of our ailing economies.

The Ghana Coronavirus Alleviation Programme put in place to support our SMEs in these challenging times is a good example. Algeria and Angola governments have put in place debt finance, employment support and business cost to alleviate SMEs adversely hit by the pandemic.


  • Efforts in the current crisis should also focus on assisting strategic multinational corporations and their suppliers to preserve the value chains. Some countries are also allowing companies in export-oriented industrial parks to supply locally, and facilitating multinational corporations’ expansion into new production lines as part of the country’s strategic re-orientation to in-demand products and services in light of COVID-19.


  • We also need to keep Africa’s supply chains and borders open for business. This means expediting shipments for relief and medical consignments, paperless pre-arrival processing and digital solutions to respect social distancing. Governments need to keep on-line trade information and help desks operational to help speedy response.


The Opportunity Africa offers

Africa is a continent beaming with enormous of growth opportunities. I will however focus on the huge potential for industrialization and infrastructure.



Huge Potential for industrialization

Processing presents an opportunity for value addition to rich raw materials as we process, package and add value. Some examples are:

  • Cotton for textiles and Apparels
  • Cocoa for Chocolates:  In confectioneries, Niche Cocoa Confectionary, is a bean-to-bar producer of refined chocolate, chocolate drinks, and spreads.
  • Cereals – Ghana and Africa abounds in maize , millet and other cereals
  • Breweries – Africa in particular has a low cost beer market due to the readily availability of starch crops such as Maize, Cassava, and Sorghum.


Apart from the above, developing export-based manufacturing in sub-Saharan Africa by increasing local production in areas such as PPEs, Sanitizers, Pharmaceuticals, Construction materials, chemical and machinery. Pharmaceuticals and protective equipment are imported largely from Europe and other COVID-19 affected countries. As global demand for these products sharply rises, the increase in prices can lead to reduced availability for Africa.  Despite the large medical aid promised by traditional donors and China, diagnostic material, personal protective equipment, and other medical equipment are in short supply. This evidently provides investment opportunities for the continent.




Infrastructure (Transport, Communication & Electricity)

  • Improving infrastructure increases the chances of growing exports.

Investments and improvements in infrastructure can significantly lower production and transaction costs, thereby increasing competitiveness and expanding market access.


  • An opportunity to develop Strategic facilities such as Trade harbors, financial hubs, and special economic zones create avenues to improve our infrastructure to make our nations more attractive to investors.


  • Develop Commute Channels such as cross-border railways, air routes, water routes, roads, etc. to ease trade and exports, as the cost of transport is often higher than the value of the goods being transported.


  • Infrastructure is a key determinant of attracting investment in export-based manufacturing. In Rwanda, the favorable business climate, along with relatively high-quality infrastructure and trade logistics services, suggests it has a promising platform to attract Foreign Direct Investment into export-based manufacturing. Countries that do not have these favorable infrastructure characteristics are likely to miss the next wave of Chinese investments into African manufacturing sector.


How do we salvage and keep AfCFTA on track amidst Covid-19 restrictions?

  • Negotiations towards the AfCFTA should continue via video conferencing platforms to enable our readiness once the pandemic is under full control. The AfCFTA should also be ready for countries and businesses to utilize for recovery in areas of trade, investment, manufacturing, jobs and growth.


  • Invest heavily in the continent’s telecommunication infrastructure. We need to leverage on technology to promote sensitization of AfCFTA initiatives and promote collaboration between relevant stakeholders. Ensuring internet availability and accessibility at affordable rates to the great majority of people of our people will help keep the vision on track. We also need to maintain active and multiple transactional channels to help facilitate trade activities amidst restriction.
    • Encourage cross border trade activities: enforce commitment from AfCFTA nations to allow goods and services to freely move across African countries while ensuring the highest standard of hygiene protocols.


  • Ease cost of Transacting: Collaboration amongst financial institutions, telecommunications companies and Fintechs to improve convenience and reduce cost of cross border transactions to promote trade as well as support the expansion in ecommerce channels.


  • Digitization: Movement restriction also offer an opportunity for the continent to move away from our traditional ways of trading and leveraging on innovative solutions to promote trade. We need to create and trade over digitalized commodities and stock exchange markets.



There is a great potential for exponential growth in export trade if we take the right steps. COVID-19 provides an opportunity for us to take more concrete steps towards realizing the African Continental Free Trade Area (AfCFTA) by:

  • Focusing on increasing local production capacity,
  • Investing in new technological developments in our agricultural and production process and
  • Harmonizing our trade-related regulations, customs controls, and reducing both tariff and non-tariff barriers.


We should be able to boost Intra-Africa trade from the 18% of total exports, (as at 2018) to meet and even exceed that of our European and Asian counterparts whose Intra-continental trade are well above 50%.

Africa has what it takes to overcome the challenges Covid-19 has brought and redefine export trade as we leverage on our wealth of human and natural resources for expansion.


By Ellen Ohene-Afoakwa, Regional Corporate Director – West Africa, Absa Bank

People & Lifestyle

Pizzaman ChickenMan Issues Alert Against Fraudulent Employment Ads



CEQA Foods and Beverages Operators of Pizzaman Chickenman, a leading name in the food and beverage industry, has recently encountered an unfortunate situation involving unauthorised individuals posing as representatives of the brand to scam people seeking employment.

Despite Pizzaman Chickenman’s legitimate efforts to recruit staff for their soon-to-be-opened branches across all regions in Ghana, these imposters have taken advantage of the situation. They are using platforms like TikTok to advertise fake employment opportunities, misleading the public and tarnishing the company’s reputation.

Pizzaman Chickenman has issued an official statement regarding this matter:


Pizzaman Chickenman emphasises that all legitimate recruitment efforts will be communicated through official channels only. The company urges the public to stay vigilant and report any suspicious activities related to their brand. 


The only legitimate way to apply is by sending your CV and cover letter to the company’s email at [email protected] , For any inquiries, you should call 0552817981 or text the brand’s verified Instagram page.


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People & Lifestyle




I am hailing all my colleagues in the music industry wherever you may find yourselves globally.

As recording artistes and musicians, we have songs of music that we intend to promote, distribute and sell globally that will eventually prompt us to embark on tours to make more money to invest, or venture into other profitable businesses and projects.

So, in brief, i am here to re-introduce to you Apprise Music Distribution, the leading digital music distribution service provider, which has a music app that can allow artistes and musicians to promote and monetize their music.

The app delivers music to over 150 digital stores in Ghana/Africa and around the world.


Truly, Apprise Music has invested much time and resources to help musicians realize their goals by developing this worldwide digital content distribution and monetization platform, which is headquartered in Ghana and has representations all over the world.

As a musician, regardless of your skills level, you can get all of your songs onto all digital platforms with just a small financial investment thanks to Apprise Music Distribution.

Based in Ghana, Apprise Music Distribution is a leading worldwide platform for digital content distribution and monetization, having offices throughout many African nations as well as in Europe, the United States of America, and the Middle East.

Apprise Music provides musicians and record labels with customized digital release plans that boost exposure, interaction, sales, and streams on all platforms.


Your songs will be on Apprise Music’s digital partners platforms that includes, IMRO, Songtrust, iTunes, Spotify, Audiomack, YouTube, Tidal, Amazon Music, Apple Music, Deezer, Apprise Music, Google Play, Boomplay, Hungama, Anghami, JioSaanv, Instagram and many more.

You will be able to upload your releases (songs), access sales reports and REQUEST PAYMENTS.

To me, APPRISE MUSIC is your best choice if you want to monetize your music and promote yourself.

Colleague artistes-musicians, I vouch that this is a promotional platform for signed and unsigned artistes who wants guaranteed visibility worldwide.


On Apprise Music, you get daily insight on how your releases are performing on different services, territories and demographic groups.

At Apprise Music, they like to keep things simple and transparent. They are all about getting your music heard and bought so that you can get paid. They want you to make a living doing what you love.

Like previously stated, Apprise Music is the foremost African Distribution service tailor-made for artistes-musicians and labels to gain affordable and equal to all channels of music such as the digital stores, which I earlier on mentioned in my submissions with other added stores that supports downloads/streaming of music using a payment gateway accessible to the global music fans.

Truly, Apprise Music has invested much time and resources to help musicians realize their goals by developing this worldwide digital content distribution and monetization platform, which is headquartered in Ghana and has representations all over the world.


Apprise Music provides musicians and record labels with customized digital release plans that boost exposure, interaction, sales, and streams on all platforms.

Since its founding, Apprise Music has been committed to giving independent musicians and record labels the resources, assistance, and tools they need to succeed in the current music industry.

Thanks to its wide global network of partners and services, Apprise Music Distribution has established itself as a prominent player in the music distribution industry.

Finally, I urge any artiste-musician who wants his or her music to be uploaded onto Apprise Music app must make time to contact Apprise Music Distribution directly for them to serve you at the following addresses and i know that you will make use of this medium to advance your career. Blessed Times.





* USA: 30 N Gould St., Sheridan, Wyoming 82801 Ste N, USA.

* GHANA: Odiko Odai Street, Nungua-Accra, Ghana, West Africa.

* Phone: (+1-307) 205 6397 (USA)


* (+233-24) 502 4002 (Ghana)

* E-mails: [email protected] / [email protected]

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People & Lifestyle

Social Trends: Thomas Partey’s 31st Birthday Cheers



Thomas Partey

Thomas Partey, the Ghanaian midfielder and captain of the Black Stars, celebrated his 31st birthday on June 13, 2024.

Fans, sports organizations, and fellow players across social media platforms sent him numerous birthday wishes, highlighting his contributions to both Arsenal and the Ghana national team.


Read Also: Thomas Partey melts hearts with heartwarming family photo


His skills and leadership were praised by many, with some considering him the best defensive midfielder of the Emirates era.

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People & Lifestyle

What are the factors that can affect the effectiveness of a teeth whitening kit?



teeth whitening

Smile is often considered one of the first things people notice about a person. A bright, white smile is not only aesthetically pleasing but can also boost self-confidence and self-esteem. Teeth whitening kits have become a popular option for those looking to enhance the color of their teeth without resorting to more invasive procedures. However, to achieve optimal results and avoid potential complications, it’s essential to consider several factors that can influence the effectiveness of these kits.

Peroxide concentration:

Teeth whitening kits may contain different concentrations of hydrogen peroxide or carbamide, typically ranging from 10 to 35%.

Higher concentrations are generally associated with faster results, but they may also increase the risk of tooth sensitivity and gum irritation.


Lower concentrations may require longer treatments to achieve comparable results.

Treatment duration:Recommended treatment duration varies by product but typically ranges from 15 minutes to several hours per day for one to several weeks.

Exceeding the recommended duration may increase the risk of tooth sensitivity and gum irritation without necessarily improving results.

Treatment frequency:


Most teeth whitening kits recommend daily use for a specified period, followed by a break before potentially resuming treatment.

Using the kit too frequently can lead to increased tooth sensitivity and enamel weakening.

Dietary and consumption habits:

Regular consumption of pigmented foods and beverages such as coffee, tea, red wine, and products containing food coloring can significantly impact tooth color. These substances, particularly due to their high concentration of tannins and natural pigments, tend to leave colored residues on tooth enamel, causing undesirable stains. These stains can not only alter smile aesthetics but also reduce the effectiveness of teeth whitening treatments by adding pigments to freshly whitened teeth.


Smoking or tobacco use can considerably affect the effectiveness of teeth whitening treatments. Components present in tobacco, including nicotine, can lead to persistent yellow or brown stains on teeth, masking the effects of whitening. Moreover, smoking weakens tooth enamel and promotes plaque buildup, accelerating the discoloration process. These combined effects compromise not only dental aesthetics but also overall oral health.

Pre-existing dental health:

Individuals with dental problems such as cavities, tooth sensitivity, or gum diseases may be more prone to side effects such as increased sensitivity during or after teeth whitening treatment.

It’s recommended to consult a dentist before starting a whitening treatment to assess dental health status and discuss the most appropriate options.


Adherence to instructions:

Carefully following manufacturer instructions regarding product application, treatment duration, and frequency of use is essential for achieving optimal results and minimizing the risk of adverse effects.

When deciding to use a teeth whitening kit, it’s crucial to carefully follow the instructions provided by the manufacturer. It’s highly recommended not to exceed the recommended frequency of use, as this could lead to tooth sensitivity and enamel weakening. Teeth whitening products are designed for sporadic use to maintain tooth whiteness, not for daily use.

For a confident smile, our Californian Smiles teeth whitening kit is the ideal solution! Say goodbye to stains and dental dullness, and welcome a radiant smile that lights up your face. With our kit, you can achieve professional-quality results from the comfort of your home, rediscovering the radiant beauty of your smile. Transform your smile today by ordering your kit and discover the magic of Californian Smiles teeth whitening now! Do not overlook the importance of following instructions to ensure optimal results and preserve the long-term health of your teeth.


A healthy and balanced diet, combined with good oral hygiene, is essential for maintaining excellent dental health.

Complete your care routine with the Teeth Whitening Kit for the perfect touch.

Opt for this kit to obtain whiter, healthier teeth. Preserve your oral health and display a bright smile!

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People & Lifestyle

How to Choose the Best Business Storage Facility in London



Selecting the best business storage facility in London is a critical decision that can significantly impact your company’s operations and logistics. With numerous options available, it’s essential to evaluate various factors to ensure you choose a facility that meets your business’s specific needs. Here are some key considerations to help you find the best business storage London.

Assess Your Storage Needs

The first step in choosing a business storage facility is to thoroughly assess your storage needs. Determine the volume of items you need to store, the type of storage required (such as general storage, climate-controlled units, or document storage), and the duration for which you will need the storage. Understanding these requirements will help you narrow down your options and select a facility that can accommodate your business’s specific needs.

Location and Accessibility


Location is a crucial factor when selecting a storage facility. Consider a facility that is conveniently located near your business premises or close to major transport routes. This will ensure ease of access for your staff and streamline the logistics of moving items in and out of storage. Additionally, check the facility’s hours of operation to ensure they align with your business hours. Some facilities offer 24/7 access, which can be beneficial if you require flexible access to your stored items.

Security Measures

Security is paramount when it comes to storing valuable business assets. Ensure the storage facility has robust security measures in place, including surveillance cameras, security personnel, access control systems, and alarm systems. Additionally, check if the facility has fire safety measures, such as smoke detectors and sprinkler systems. Knowing that your items are stored in a secure environment will give you peace of mind and protect your business assets from theft and damage.

Facility Conditions


The condition of the storage facility is another important consideration. Visit the facility in person to inspect the cleanliness, maintenance, and overall condition of the units. A well-maintained facility indicates that the management takes good care of the premises, which can be a good sign of reliable service. If you require climate-controlled storage, ensure the facility has units that maintain consistent temperature and humidity levels to protect sensitive items.

Range of Services

Different storage facilities offer a variety of services, so it’s essential to choose one that meets all your business needs. Some facilities provide additional services such as inventory management, pickup and delivery, packing supplies, and document shredding. Assess the range of services offered and consider how they can add value to your business operations. For instance, a facility that offers pickup and delivery services can save you time and resources in managing logistics.

Cost and Value


While cost is a significant factor, it should not be the sole determinant. Compare prices from different facilities but also consider the value they offer. A lower-priced facility may not provide the same level of security or services as a slightly more expensive one. Evaluate the overall value by considering the location, security, facility conditions, and additional services. Additionally, inquire about any hidden fees or charges that may apply, such as administrative fees, insurance, or late payment penalties.

Customer Reviews and Reputation

Customer reviews and the facility’s reputation can provide valuable insights into the quality of service you can expect. Check online reviews on platforms like Google, Yelp, and Trustpilot to see what other businesses have to say about their experiences. Pay attention to feedback regarding customer service, security, and facility conditions. A storage facility with consistently positive reviews is more likely to offer reliable and satisfactory service.

Flexibility and Scalability


As your business grows, your storage needs may change. Choose a facility that offers flexibility in terms of unit sizes and rental terms. Being able to scale up or down as needed without hassle can save you from having to switch facilities frequently. Additionally, consider if the facility offers short-term and long-term rental options to accommodate your changing needs.

In conclusion, choosing the best business storage facility in London involves careful consideration of your storage needs, location, security, facility conditions, services offered, cost, reputation, and flexibility. By thoroughly evaluating these factors, you can find a storage solution that not only meets your current requirements but also supports your business’s growth and operational efficiency. Taking the time to select the right facility will ensure your business assets are stored safely and managed effectively.

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People & Lifestyle

Wutah Kobby Shares “Story” on new single



Wutah Kobby has dropped his latest single, “MY STORY,” marking a significant addition to his impressive musical repertoire. Known for his soulful voice and poignant lyrics, Kobby continues to captivate audiences with his unique blend of highlife, afrobeat, and contemporary rhythms.
“MY STORY” is a powerful and introspective track that delves into personal experiences and the journey of self-discovery. The song’s heartfelt lyrics and compelling melodies showcase Kobby’s exceptional talent for storytelling through music. It reflects on themes of perseverance, resilience, and triumph over adversity, resonating deeply with listeners.

This release comes at a pivotal moment in Kobby’s career as he seeks to expand his influence in the music industry. Fans have eagerly anticipated new material from the artist, and “MY STORY” does not disappoint. With its infectious beat and relatable message, the single is poised to become a hit both locally and internationally.

In a recent interview, Wutah Kobby expressed his excitement about the new release, stating, “This song is very personal to me. It’s a reflection of my journey, the struggles, and the victories. I hope it inspires everyone who listens to keep pushing forward, no matter the obstacles.” Produced by the talented American music producer Devon under Dubble Dose production , “MY STORY” features top-notch production quality that complements Kobby’s vocal prowess. The single is now available on all major streaming platforms, including Spotify, Apple Music, and YouTube, allowing fans worldwide to experience the magic of Wutah Kobby’s latest creation.

As “MY STORY” garners airplay and climbs the charts, Wutah Kobby is also planning a series of performances and appearances to promote the single. Fans can look forward to seeing him live, where his electrifying stage presence brings an additional dimension to his music.


With this release, Wutah Kobby cements his status as one of Ghana’s most influential musical talents. “MY STORY” is not just a song; it’s an anthem of hope and resilience, embodying the spirit of an artist who continues to evolve and inspire.

Stay tuned for more updates on Wutah Kobby’s music and upcoming events by following him on social media and streaming his new single, “MY STORY,” today.

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