From hawking men's wear on the streets of Tema for hours every day to mastering digital marketing for his retail business, Kevin joins the Disclosures Podcast to detail his journey in Ghana's second-hand clothing industry.

In this episode, we explore:

- Risk Management in Inventory: Weighing the higher cost of "selections" against the financial risk of buying a bad bale.

- Bootstrapping: Saving seed capital while hawking on foot and leveraging family support.

- Modern Customer Acquisition: Converting street clients and using social media ads (TikTok & Instagram) to drive retail sales.

- Cash Flow Smoothing: Building a financial cushion during peak sales months to survive dry seasons.

- Mentorship & Mindset: How to approach an established trader to learn a trade without money, and overcoming the fear of failure.

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Every morning, hundreds of "one-man business" owners in Ghana open their shops, run transactions all day, and close up with all their financial data stored entirely in their minds or scribbled across loose pages. But what happens when life gets overwhelming, or when you need to prove your trends to a bank or the GRA?

In this episode of Disclosures, we dive deep into the real lifeblood of your enterprise: Data. We sit down once again with Ken, an accountant with 15 years of on-the-ground experience with local SMEs, to challenge the mindset that running a business from memory is sustainable. 

Ken shares how most businesses start out as mere passions where the owner treats the enterprise as "too small" for proper frameworks. Using straightforward examples—from a local salon owner selling water to tracking cartons of Milo—Ken reveals how human memory fails us when we try to juggle complex inventory, suppliers, and daily cash flow. 

More importantly, this episode serves as a practical masterclass. We literally build a basic bookkeeping system live on air, outlining the exact tables, columns, and headings you need on a simple Excel sheet to trace your daily sales, purchases, and operational expenses.

Stop relying on guess-work. If you want your small enterprise to grow into a bankable, scaled institution, it’s time to put the pen down, open the laptop, and let the data speak.

Loved this episode? Rate us on Spotify or Apple Podcasts and share it with a business owner who needs to dump their messy notebook!

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Finding skilled labor with integrity is one of the biggest bottlenecks for small businesses in our economy. On this episode of Disclosures, we host Dr. Nick—an experienced executive and lecturer—to peel back the layers on employee attitudes and workplace culture.

We challenge the traditional management style: are we measuring the hours our staff spend at their desks, or the value they actually bring? Dr. Nick shares candid insights on why bosses get fooled by performative work, the toxic impact of workplace gossip, and why a stellar "attitude" will always beat a high-performing employee with a toxic mindset.

What we cover in this episode:

• The definition of "coming to work": Employer vs. Employee.

• Why supervisors reinforce the wrong behaviors by policing attendance.

• The gossip trap: Why the employees feeding you information are destroying your company.

• Why KPIs can't fix a bad attitude (and what tools actually do).

• The power of 360 appraisals.

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• Instagram/TikTok/YouTube: @DisclosuresPodcast

Many small-scale entrepreneurs in Ghana look at an accountant and see a "money spender" or a glorified tax collector. But what happens when you treat your business till like a personal wallet and completely avoid keeping records? 

In this episode, we sit down with Ken, a seasoned financial professional with 15 years of experience working on the ground with Ghanaian sole proprietorships and micro-enterprises. Ken shares a sobering story of a local business that ran successfully on paper from 2015 to 2021, only for the Ghana Revenue Authority (GRA) to catch up with them—leaving the owner with a devastating GH₵350,000 bill in accrued taxes and penalties. 

We have a straightforward conversation about:

• The psychological trap of "co-mingling" business funds with personal expenses.

• Why relying solely on your Mobile Money (MoMo) transaction history leaves dangerous blind spots.

• How the GRA estimates your expenditures when you have incomplete records (and why they always estimate against you).

• How bringing in a structured accounting framework can drop an annual tax liability significantly while keeping you fully compliant.

If you are a solo entrepreneur looking to build a sustainable, bankable institution rather than just a casual shop, this masterclass on business data is exactly what you need to hear.

Loved this episode? Leave us a review on Apple Podcasts or Spotify and share it with a fellow entrepreneur!

The higher the risk, the higher the returns"—we hear it all the time, but do we actually understand how to protect ourselves when things go wrong?

In this episode of the Disclosures Podcast, host Nyantakyi Bonna takes a transparent look at what risk really means for everyday business owners and investors. Pulling from real-world local contexts—including the high-competition hustle of selling Kantamanto shoes, navigating seasonal market flooding, and avoiding the trap of seductive Ponzi schemes—Bonna simplifies how professionals analyze and mitigate threats.

Discover the T-A-R-A framework, a staple tool among business leaders, as this episode dives deep into:

1. Risk Avoidance: When to walk away from a volatile venture entirely based on frequency and impact.

2. Risk Transfer: How tools like insurance act as a financial buffer, stepping in to restore your business after an unexpected crisis.

Whether you're starting a roadside container shop or investing heavily in an enterprise, learning how to gauge impact versus frequency will save your capital.

💬 Help Us Grow Our Community: If you find value in these conversations, please follow the show on this platform! Expanding our listener base allows us to convince highly resourceful guests to come on the show and deliver massive impact directly to you.

Disclosures Podcast is hosted by Nyantakyi Bonna.

When you happen to work with a government agency or occupy a respectable position in Ghana, everyone considers you a "Big Man." But that accolade comes with heavy expectations—from street hailing to family taxation. What happens when the month "negotiates a curve" and your salary runs out by the 15th? Where do you turn when you are the one who needs financial help?

In Episode 6 of the Disclosures Podcast, we strip away the pride of "Big Man" culture to address a critical survival tool: the Emergency Fund. We break down the exact strategies you need to transition from surviving paycheck-to-paycheck to building a rock-solid financial cushion.

In this episode, we discuss:

• The Reality of Black Tax: How street and family expectations pressure your finances.

• The Mid-Month Trap: Why relying on mobile money credit facilities and loans is an expensive mistake.

• The 6-Month Rule: How to calculate exactly how much you need to survive a sudden job transition or income loss.

• Practical Steps to Start: How to track expenditures and create a budget that works.

• Automating Your Wealth: Using standing orders and direct debits to eliminate the reliance on willpower.

• The 5-Day Rule: A brilliant strategy for positioning unexpected funds, tips, or bonuses instead of wasting them.

• The Hardest Truth: Temporarily adjusting family support to secure your own financial baseline.

Building a financial cushion is a habit, not an overnight event. Turn up the volume and learn how to start small but finish secure.

Connect with Disclosures Podcast:

• YouTube: https://youtube.com/@disclosurespodcastgh?si=0Ok2mo2-E5n4fFAw

• Instagram: https://www.instagram.com/disclosurespodcast?igsh=M2JqcXIyYWdyOTN1

• TikTok: https://vt.tiktok.com/ZSCNCtbcN/

Four out of five small businesses in Ghana collapse before their 10th year—but a major reason isn't bad ideas, it's a lack of structure.In this episode of the Disclosure Podcast, we are recording live from the Oxygen, Mawuli School Corridor 3 at the 2026 ICAG Accountancy Conference. We sit down with Mr. Dickson Assan, a Chartered Accountant and one of LinkedIn’s top 5 most influential voices in Ghana, to break down why entrepreneurs avoid formalizing their businesses and the dangerous myths holding them back.From the crippling fear of the Ghana Revenue Authority (GRA) and SSNIT to cultural superstitions like "Black Tax" and family envy, Dickson exposes the real costs of keeping your business "low-key." He also drops major knowledge bombs on how the corporate veil can save your personal assets (like your house and car) if your business defaults on a loan, and how tax incentives can legally exempt young entrepreneurs under 35 from paying taxes for up to 5 years!If you are currently running a hustle, mixing your personal finances with your business cash, or hiding in the shadows to avoid regulators, this episode is your wake-up call to build a legacy that transcends you.

Is chasing quick money blinding us to long-term business survival? Whether you are a large-scale investor or running a small local business, focusing only on immediate profit can be a trap.To build a business that truly withstands the test of time, you have to care for the People you serve and the Planet we all live on. In this episode, we break down why a sustainability mindset is the ultimate secret to business longevity. When you treat people right and protect your environment, you build a powerful reputation, win fierce customer loyalty, and ensure your business keeps thriving for years to come.What We Discuss in This Episode:Beyond the Profit Margin: Why focusing only on quick returns puts your business at risk.The Three P's: Balancing Profit, People, and the Planet in everyday business.Building a Name That Lasts: How doing good makes your customers, community, and partners proud to support you.👇 Whether you run a registered enterprise or a small informal shop, how do you give back to your community? Let’s talk in the comments!#SustainableBusiness #SmallBusinessTips #BusinessStrategy #GrowthMindset #Podcast