Joyce Bawah Mogtari, Special Aide to NDC's Presidential Candidate John Dramani Mahama, has raised concerns about the viability of the credit scoring policy proposed by the ruling New Patriotic Party (NPP).
She argues that the policy, which heavily relies on salaried income, may not benefit a significant portion of Ghanaians due to widespread unemployment and low-income levels. "With the credit scoring, your salary has to be good, your payslip must be evident, you must be gainfully employed with a sustainable type of employment.
So, if you bring credit scoring to Ghana, maybe half of Ghana will not qualify for it, and businesses might not score anything," she told J.B in an interview on Onua FM on November 21.
Joyce Bawah Mogtari emphasized that the root of the problem lies in the lack of sufficient jobs and income, making it difficult for many Ghanaians to meet the criteria for credit scoring systems.