Retail & Trade
General Services
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Fashion Accessories and Jewellery

High margins on small, light stock that you can run from Instagram before ever paying shop rent.

01

Business structure

Sourcing or handmaking earrings, bangles, waist beads and bags, sold online with pop-up presence at markets and events.

02

Capital requirements

All figures in Ghana Cedis (GHs). These are planning estimates — get quotes from local suppliers before committing money.

Equipment and fittingsGHs 1,600GHs 16,000
Opening stock or materialsGHs 1,000GHs 10,000
Shop rent and advanceGHs 900GHs 9,200
Registration, permits and signageGHs 500GHs 4,800
Total initial investmentGHs 4,000GHs 40,000
03

Licensing & permits

The compliance path in Ghana, from registration through to sector regulators.

  1. 1Reserve the name and register the business at the Office of the Registrar of Companies (ORC)
  2. 2Get a TIN linked to your Ghana Card and register for tax at the nearest GRA office
  3. 3Apply for a Business Operating Permit from your Metropolitan, Municipal or District Assembly
  4. 4Register the business and your staff with SSNIT once you start paying salaries
04

Target market

  • Young professionals and students
  • Brides and bridal parties
  • Diaspora buyers ordering for delivery abroad
05

Risk assessment

01

Cedi depreciation raising the cost of anything imported

02

Assembly permit renewals and levies that many owners forget to budget for

03

Mixing business and personal cash until the books stop making sense

04

Crowded local competition pushing prices down

06

Marketing strategies

  1. 1Shoot clean product photos on a plain background — accessories sell on the image alone
  2. 2Claim a Google Business Profile so people searching your area actually find you
  3. 3Run a WhatsApp Business catalogue — it is where most Ghanaian buyers close
  4. 4Print simple signage and flyers for the immediate neighbourhood
  5. 5Ask every satisfied customer for a referral and reward it

Fees, levies and permit requirements change. Confirm the current position with the Office of the Registrar of Companies, the Ghana Revenue Authority and your Metropolitan, Municipal or District Assembly before you spend.

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