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Any person or enterprise may apply to a designated financial institution or other institution for a credit facility if that person or enterprise

(a) has a business to expand or start;

(b) is registered in Ghana under the Companies Code, 1963 (Act 179), the Incorporated Private Partnerships Act, 1962 (Act 179), the Incorporated Private Partnerships Act, 1962 (Act 152) or any other enactment for the registration of business; and

(c) is wholly owned by a Ghanaian or partly owned by a Ghanaian with majority Ghanaian shareholding.