Disclosures Podcast

Tired of watching standard corporate taxes drain your small business profits?

On this episode of the Disclosures Podcast, Bonna is joined again by tax expert Emmanuel Anane Whyte to shift the focus from employees to business owners. We break down the practical tax incentives built into Ghanaian law for startups and growing enterprises. Learn how young entrepreneurs aged 35 and below can qualify for a massive reduction to a 5% corporate tax rate for their first five years, and discover how specific sectors like agro-processing, tree crop farming, and waste management benefit from long-term concessionary rates.

We also unpack the critical importance of proper business licensing, zero-filing strategies, and avoiding compliance traps with the Ghana Revenue Authority (GRA).

Tune in, take notes, and learn how to structure your business for long-term growth and compliance!

Can professional ethics and Christian principles truly protect you when your back is against the wall at work? In Part 2 of this compelling episode of Disclosures, host Henry Kong-Sien explores the heavy reality of cutting corners, dealing with unrealistic targets, and facing persecution for doing what is right in corporate Ghana.Tune in as our guests break down how to lean on professional regulatory standards, handle workplace friction, and recognize the exact moment a job has become too toxic to keep sacrificing your peace and values.

Is it possible to stay true to your Christian faith while climbing the corporate ladder in Ghana? In Part 1 of this special episode of Disclosures, our usual host was hosted by the folks from Faithful Path Studios Henry Koomson and Mr. Aboagye to explore the intersection of career ambition, intense workloads, and spiritual life.

We unpack the raw realities of navigating Sunday shifts, preparing for demanding professional qualifications like the Institute of Chartered Accountants, Ghana (ICAG) exams, and drawing healthy boundaries between dedication and burnout. Tune in for an honest, unfiltered look at how grace and grit meet in the Ghanaian workplace

Tired of watching heavy taxes eat up your monthly salary?

On this episode of the Disclosures Podcast, Bonna is joined by tax expert Emmanuel Anane-Whyte for a masterclass on navigating the Ghanaian tax system. We break down the mechanics of your payslip, demystify Accessible versus Chargeable income, and look at how leveraging SSNIT Tier 1, Tier 2, and Tier 3 voluntary contributions can instantly lower your tax deductions today while securing your retirement tomorrow.

Plus, we walk through the exact personal tax reliefs you need to apply for—including marriage, responsibility, and child education reliefs—to keep your money where it belongs.

Tune in, take notes, and start building a smarter financial future!

What happens when a seasoned corporate finance manager and internal auditor hangs up his boots and enters the world of entrepreneurship?

In Episode 20 of the Disclosures Podcast, Bonna sits down with Mr. Albert Shardey to explore the hard truths of post-retirement business. Discover how to successfully juggle side hustles during active service, navigate the shock of moving from a structured corporate department to being a one-person show, and implement the non-negotiable internal controls your business needs to outlive its founder.

Tune in for practical, real-world systems and compliance tools designed to turn your hustle into a bankable institution!

In this episode, we react to a viral pitch clip from Lion’s Den where an entrepreneur valued his pre-revenue business at 200 Million Naira (~1.69 Million Ghanaian Cedis / $150,000 USD) after spending four years building a website.

We break down why investors don't buy past effort—they buy future cash flows. Learn the basics of Net Present Value (NPV), the four core approaches to valuing a business at different stages, and how early-stage founders in West Africa can pitch for investment without getting laughed out of the room.

Key Topics Covered:

Reacting to the Lion’s Den ₦200M pitch disaster

Time spent vs. Value created (Why a website is a cost, not revenue)

Step-by-step 3-year Net Present Value (NPV) illustration

The 4 Valuation Approaches: Income/DCF, Multiples, Asset-Based, and Pre-Revenue Scorecards

Practical fundraising strategies for early-stage startups (MVPs & SAFE Notes)

Currency Conversions Reference: 1 USD≈1,330.40 NGN | 1 GHS≈118.26 NGN

Can gig work replaced a traditional salary, or does uncalculated spending drain the profits?

In this episode of the Disclosures Podcast, host Nyantakyi Bonna speaks with Ernest Offori about the realities of the gig economy in Accra. Ernest breaks down his transition from graduate teaching to delivering orders on a bicycle, managing high-maintenance motorbikes, navigating "work-and-pay" contracts, and handling financial setbacks along the way.

We discuss:

The actual weekly earnings vs. hidden operational expenses in delivery work.

Why financial discipline is the single determining factor of success in gig work.

Lessons on cutting losses, handling debt, and transitioning between side hustles.

Tune in for an honest breakdown of street-level entrepreneurship and financial structure.

In Part 2 of this Business Clinic, Nyantakyi Bonna and the founder of Astute Educational Institute break down the exact operational and financial controls required to scale a service business.

Learn how enforcing upfront tuition payments, establishing structured receipt systems, and managing tutor recruitment helped the institute expand to 30 students while laying the foundation to become a fully-fledged, ultra-modern school.

Follow the show on Spotify and Apple Podcasts, and subscribe on YouTube for full video episodes!

In Part 1 of this Disclosures Business Clinic, host Nyantakyi Bonna speaks with the founder of Astute Educational Institute about the early operational traps that almost sink small service businesses.

Discover how a center that started with just 3 pupils dealt with chronic payment defaults from parents, unexpected maintenance costs, and the difficult shift from running a compassionate service to maintaining a commercially viable enterprise.

Follow the show on Spotify and Apple Podcasts, and catch the full video on YouTube!

What happens to your business if you step away for 30 days? For most small business owners in Ghana, operations grind to a complete halt.

In this episode of Disclosures, host Nyantakyi Bonna (Chartered Accountant & Auditor with 13+ years of experience) breaks down the structural and financial flaws that keep entrepreneurs trapped in their daily operations.

In this episode, you’ll learn:

• The critical difference between an income-generating hustle and a bankable institution.

• The 4 fatal audit flaws that kill SME continuity in Ghana.

• How to execute the "Separation of Identities" between your personal life and company bank account.

• How to set up a simple "4-Eye Internal Control System" to protect cash and inventory.

• Practical steps to write Standard Operating Procedures (SOPs) for your staff.

Stop running a business that depends entirely on your physical presence. Listen in and learn how to build an enterprise that is bankable, self-sustaining, and built to last.

Follow the show on Spotify and Apple Podcasts, and subscribe on YouTube for full video episodes!

If you built a thriving brand today, could someone else legally claim your business name tomorrow? In Episode 14 of Disclosures Podcast, Bonna breaks down the legal and strategic necessity of business registration.

Examinining Ghana's Registration of Business Names Act, 1962 (Act 151), Bonna explains the concept of a Separate Legal Entity using the analogy of a newborn child's birth certificate. He shares real-world case studies of brand name disputes and provides a practical guide to completing the Registrar General's Department registration forms.

Connect with Disclosures Podcast across social platforms for more transparent discussions on business, accounting, and growth strategies!

Why do internal controls fail even in tech-enabled, system-backed businesses? In Episode 13 of Disclosures Podcast, we examine the operational realities facing small business owners and entrepreneurs.

Using an auditor's framework, we analyze a real-world case study of employee fraud in a sachet water production line, break down the accounting concept of "Segregation of Duties," and discuss why staff collusion neutralizes system controls. We also examine the ethical and financial choices employees face when dissatisfied with their compensation.

Connect with Disclosures Podcast across social platforms for more discussions on business, finance, and accounting dynamics.

From hawking rechargeable lamps on the streets of Mankessim to building a thriving barbering business in Tema, Asare joins Disclosures Podcast to share his story of survival, strategy, and business ownership.

In this episode, we uncover:

- How Asare converted low daily commissions into saved capital in an expensive city like Tema.

- Customer relationship tactics: Staying late, capturing contact details, and follow-up habits.

- Essential financial lessons learned from former employers, including planning for electricity and operational reserves.

- The triggers that pushed him to start his own setup.

- Graduate unemployment in Ghana and the growing movement of degree holders entering skilled trades.

- Step-by-step guidance for anyone wanting to learn and build a trade business from scratch.

Follow Disclosures Podcast on your favorite listening platform and leave us a review!

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.

Follow Disclosures Podcast on Spotify and Apple Podcasts, leave a rating, and share this episode with a friend!

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.

Follow us on social media:

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:

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

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