# The Hidden Balance Sheet: Why Ghana's buy-now-pay-later boom is a household solvency problem, not a consumer convenience story - MyJoyOnline

- Published: 2026-09-22T06:30:34.188Z
- Updated: 2026-09-22T06:30:34.188Z
- 1 source
- Topics: Crime, law and justice, Economy, business and finance
- Involves: A January 2025 US Consumer Financial Protection Bureau study, Buy-Now-Pay-Later financing in Ghana, Digital Credit Services Providers, M-KOPA, MTN, MTN's Pick and Pay Later scheme, The Bank of Ghana's Directive for Digital Credit Services Providers, 2025, financial stability of ordinary Ghanaian households, remote-locking of financed phones

## How it developed

- 2026-09-22T06:30:34.188Z - MyJoyOnline: [The Hidden Balance Sheet: Why Ghana's buy-now-pay-later boom is a household solvency problem, not a consumer convenience story - MyJoyOnline](https://www.myjoyonline.com/the-hidden-balance-sheet-why-ghanas-buy-now-pay-later-boom-is-a-household-solvency-problem-not-a-consumer-convenience-story/)

Read it on FeedAtom: https://www.feedatom.com/stories/the-hidden-balance-sheet-why-ghana-s-buy-now-8r2vo4b9vp353z4lal54m0l48