Ghana, UNICEF, Netherlands partner on Ghana toilet loans

Ghana’s Environmental Sanitation and Health Directorate under the Ministry of Sanitation and Water Resources, UNICEF and the Embassy of the Kingdom of the Netherlands have launched an innovative and affordable loan scheme for people living in urban areas to build their own household toilet.


The new Sanitation Fund – of which Apex Bank is the contracted funds manager for 2019 – is established to address the challenges of basic sanitation in urban communities.

There are approximately four million households in Ghana who do not have a toilet for exclusive use by their family. 

While access to basic sanitation has increased from 21% to 25% in urban areas, statistics have proven the poorest are more likely to practice open defecation, and the establishment of this new loan initiative will provide many households in urban communities the opportunity to build their own toilet.


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