The Efficacy of Small Option for Small and Medium Enterprise

An upgrade of the lending sector of Ghana requires modern and improved met of banking. Securitization is one of the modern processes used to leverage on lending in many banking sectors. The aim of the study was to assess the readiness and preparedness of the banking industry of Ghana towards the adoption of securitization. The study involved a survey and a quantitative research design in which 27 respondents were reached using purposive sampling. The six hypotheses tested in the study were confirmed, and the study’s findings are that adequate access to knowledge abou sector has readiness for the adoption of securitization in Ghana; the Ghanaian banking industry is ready for the adoption of securitization in terms of logistics and human resource; the banking sector of Ghan of securitization; the Central Bank’s regulatory policy is suitable for the adoption of securitization in Ghana; and internal banking structures are well in place for the adoption of securitization in Ghana. It was thorough financial planning and allocation prior to the adaption of securitization in Ghana.