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1990; Diaz-Alejandro 1985; Gibson and Tsakalotos 1994 and World Bank Report 1994). For the reform to succeed, it has to be preceded by macroeconomic and monetary stability and strengthened capacity of regulatory and supervisory establishments. And that is of such an amazing importance that it might payoff better to postpone financial reforms until the situations are met. Concurrent implementation of economic reforms and the pre-conditional adjustment applications as the World Bank Report would recommend doesn’t look like acceptable. In reality financial sector reform should start late in the adjustment timetable. The depth of the monetary sector and the The hottest product my dear daddy the only thing you as a granddad dog tagprovision of loanable funds carried out poorly through the reform. The M/GDP ratio declined considerably. full implementation of the reform the highest fee has been 39.8%. In some years it was as little as 10%. An spectacular development in real GDP has additionally been achieved. For the 4 consecutive years previous the reform, real GDP development was negative. But since the adjustment Program, the real GDP progress has ranged from three.0% to five.6% (Table 14.6). In many respects the result of the reform in Ghana mirrored the tempo of its implementation. The nominal deposit and lending

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