Mr. Thomas Thompson Essel

Mr. Thomas Thompson Essel
SECRETARY GENERAL

Mr. Thomas Thompson Essel is the new Secretary General of the African Rural and Agricultural Credit
Association (AFRACA), headquartered in Nairobi, Kenya. He has many years of experience in Economic
and Development issues. Prior to joining AFRACA, he worked in Bank of Ghana for over twenty-two
years, holding different positions. The latest positions being head of External Financial Relations and
Head of the Bank of Ghana-initiated “Ghana Incentive-Based Risk-Sharing System for Agricultural
Lending” (GIRSAL), providing strategic and technical guidance to management. Mr. Essel has
considerable experience in policy, having worked both in Bank of Ghana and also in the Policy
Coordination, Monitoring and Evaluation Unit of the Office of the President of the Republic of Ghana for
two years. He also has extensive experience in research, international relations and rural finance. Mr.
Essel holds a bachelor’s degree in Social Sciences and a Masters’ Degree in Development Studies from
the University of Cape Coast in Ghana. He has undertaken several courses and programmes in Economics
and agricultural related areas. He has jointly worked with Dr E. K. Ekumah on IFLIP Research Papers
including “Information is Power : The Problem with Credit Accessibility in Rural Banks in Ghana”.
Gender access to credit under Ghana’s financial sector reform: A Case Study of Two Rural Banks in the
Central Region of Ghana. He has jointly/he together with …. Did research works for IFLIP including
“Information is Power : The Problem with Credit Accessibility in Rural Banks in Ghana”. 1. Ekumah E.
K. and T. T. ESSEL. ILO 2003. Information is Power : The Problem with Credit Accessibility in Rural
Banks in Ghana. IFLIP (The Impact of Financial Sector Liberalization on the Poor) Research Paper 03-12
2. Ekumah E. K. and T. T. ESSEL. ILO 2001. Gender access to credit under Ghana’s financial sector
reform: A Case Study of Two Rural Banks in the Central Region of Ghana. IFLIP (The Impact of
Financial Sector Liberalization on the Poor) Research Paper 01-4 3. Thomas T. Essel & Michael A.
Newsome. 1998. Effectiveness of Institutional Credit for Rural Development in Africa: A Control-Case
of Rural Banks in Ghana. In Journal of Sustainable Development in Africa Vol.2, No.1 Mr. Thomas
Thompson Essel is the Secretary General of the African Rural and Agricultural Credit Association
(AFRACA), headquartered in Nairobi, Kenya. He has over twenty years of experience in Economic and
Development issues at the Bank of Ghana with considerable policy, research, international relations and
rural finance experience. Before taking up this role, he was the Head of the Bank of Ghana-initiated
“Ghana Incentive-Based Risk-Sharing System for Agricultural Lending” (GIRSAL). Mr. Essel holds a
bachelor degree in Social Sciences and a masters’ degree in Development Studies from the University of
Cape Coast in Ghana.

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