Afrikan ~ Caribbean Diaspora Reparation & Tours!

The Afrikan~Caribbean Diaspora Reparation & Tours! is a 99TH LIVERY initiative given to the sacred duty of assisting our Melanated Diaspora Family in forging ties & strengthening ties already forged with our Afrikan Ancestral Core, in a bid to; engender Identity Healing, encourage Tourism & Repatriation on the Afrikan Continent and open doors to Investment & Volunteering Opportunities in Afrika.

VISA On Arrival ~ Ghana.

VISA On Arrival given the Ghanaian Chapter in perspective is given to those Nationals of Nations who; do not have a Ghanaian Consulate in their Nations of Origin, Nationals of Afrikan & Caribbean Nations, Persons who need to visit the Beautiful Nation of Ghana on expedient Business Purposes, and Persons who need to visit Ghana yet do not have the Luxury of Time to go through the bureaucracy of acquiring VISA in their Nations of Origin.

The general required documentation for the acquisition of VISA On Arrival to Ghana are as follows:

Application Letter addressed to the Comptroller General on a Letterhead.

Purpose of Visit to Ghana.

Intended Dates of Arrival & Dates of Return.

Duration of Stay in Ghana.

Address of Lodging Place.

Copy of Bio-Data Page of Person of Interest.

Copy of Bio-Data Page of Signatory(ies) to the Letter of Application.

Certificate of Business Incorporation, Company Code, Certificate to Commerce Business, & a Recent Certificate of Tax Clearance where applicable.

The VISA Acquisition Policy & associated fees of Ghana are modified on occasions to meet the dynamic demands of our visitors, we therefore recommend that you get in touch with us directly for up-to-date information on current developments and we will accord you the needed help together with our consultants in Ghana’s Immigration Office to acquire in record time your VISA On Arrival documentation.

Identity Healing.

The Fragmentation of our Souls and the Spirit contained within it is a consequent effect of a socialization process that has taught us to hold the Material World as the Cause of our Being and the Effect of same predominantly due to a misguided notion of Reality whose false creed preaches that only that which can be perceived by the five traditional senses is real. But suffice to mention that the Material World whose constituents can be perceived & interacted with by the five traditional senses is but an Effect whose Cause originates from a more ethereal place in the space of time where the Materiality of the Material World is a potential phenomenon contained in the actualizing tendency of the manifestive mind. This ethereal place in question serving the Cause of which the Material World is an Effect is commonly referred to as the Spiritual World by the mystics, and can be regarded as a place of Pure Energy by the scientist. In the Spiritual World, all there have been, all there is and all there will ever be coalesces into a unified continuum with each Human Spirit bearing in their Spiritual Constitution the characteristic effect of that unification. Thus, we remain whole within this unification with all there is only to the extent to which we remain connected to our origins in the place of Cause. This causal connection unfortunately is missing in most lives due to our socialization into the tenets of a Material Culture, and this is but one part of the situation we are faced with as a Race of Beings. The removal of our Conscious Awareness from the unified Spiritual World into the differentiated Material World is one severity, and must it not be said that the graver catastrophe lays in the knowing that for as long as the Conscious Awareness of the Human Spirit remains disconnected from its unified source in the differentiated Material World, there must ensue the error of Consciousness Split where the Conscious Awareness of the Human Spirit is torn in many different ways to meet the attention demands of the varied differentiated material ends, due to the absence of Spiritual Grounding. Because in a Material Culture, the Human Spirit must to a certain extent interact with the variegated Materiality to attain to certain material ends nonetheless, yet the Human Spirit only so do harmoniously and as is in balanced alignment with the Benevolent Flow of all things when it is Spiritually Grounded in connection to our place of Cause. This Consciousness Split of which we speak is the reason for our confused State of Being given the major crop of Sentient Humanity, and the major cause of; Spiritual Imbalances, Personality & Mental Health Disorders as well as Social Ills, because the disharmony registering in the place of Cause due to an absence of connectivity with the Human Spirit must by Rule of Cosmic Law manifest itself in the Effect stemming from the former. Among our kinsmen of the Afrikan ~ Caribbean Diaspora, this Consciousness Split foremost registered when our Ancestors were forcibly uprooted from their Spiritually Wealthy heritage origins into a new world space where the mystical atmosphere bore a dearth of Spiritual Maturity evidently incommensurate with that of their origins. Thus generation after generation witnessed a decreasing connectivity with the strength of all things spiritual, having to divert their concentrative, spiritual & physical abilities to building the world they now have somewhat learned to adapt to, and it must be known that the initial loss of connection with the Spiritual World among some of our first Ancestors to brave the Trans-Atlantic Shipment registered as a genetic & epigenetic expression that has been inevitably transmitted along generational ties, so that our generation who did not experience first-hand the undoings associated with Slavery do yet bear in the constitution of their Being some potent markers of same, and it subtly motivates their behavior known or unknown to them. There are those of our Afrikan ~ Caribbean Diaspora kinsmen who have put in the work over the ages to maintain ties with their spirituality to keep grounded by aid of Ancestral Wisdom & Divine Guides, yet the majority struggle with themselves amidst all of those modern woes associated with melanated persons the world over. 99TH LIVERY calls out to you to let you know YOU ARE NOT ALONE in this struggle, for ours is the sworn duty to help restore balance in our mission to Build, Harness & Restore Spiritual Capital on individual & communal levels of engagement. With decades of expertise experience in the ancient sacred art of Transmutative & Transformative Healing, we hold that the Healing Journey takes many unconventional forms, and to also predominantly be a personal experience yet bearing shared tangents with those persons & places perquisite to the Healing Journey. Thus with deep reverence to the tenets herein stated, we herein invite all you who deem it expedient, deem the moment ripe and stand ready to set your own Healing Journey aflame to simply ask for what help you need using the form below, for by visiting this page and reading this solemn note, you have fulfilled the Law that requires of the Pilgrim to ask, seek & knock, the door now stands open in welcoming you, profess what you will and we will walk your Healing Journey together!

Volunteer In Ghana.

The avenues available to aid your desire to positively impact the lives of those who need it the most within the Motherland is plentiful, and we are glad to put you in touch with the right fit opportunities for your Volunteering Interests. Kindly touch the button below to communicate your Volunteering needs to us, we want to work with you!

Repatriate To Ghana.

When your resolve is firm to move to Ghana, here are very important areas of consideration we advise you to think over, and towards which we can help you organize a strategic execution plan! The Year of Return & Beyond The Return initiatives of the Government of Ghana has already paved the way for melanated persons the world-over to come back home, so just do it!

Accommodation.

Permanent Residency.

If you aspire to a Ghanaian Citizenship or Permanent Residency, these are the conditions you must meet to be eligible for same;

You must have resided in Ghana for a period amounting in aggregate of not less than five (5) years.

You must be of Good Character as attested to by two Ghanaians who are Public Notaries, Lawyers, Senior Public Officers or any other class of persons approved of by the Minister.

You must not have been imprisoned for a period of twelve (12) months or more.

You have made or are per the discretion of the Minister capable of making substantial contribution to the development of Ghana.

You intend to reside permanently in Ghana upon being granted the status.

You possess a valid Residence Permit at the time of application for Permanent Residency.

Once the above stated conditions are met, your application will be considered by the relevant State Department and by your submitted contact information you will be fed progress reports on your application’s development.

Acquiring Your Living Space.

With regard to acquiring a living space in Ghana, where do you plan to live? How do you plan to live? Are you looking to building a home in Ghana, or would you rather put up for a rent, an Air B n B or Hotel Accommodation? If you look to building a home in Ghana, we will work with you on your choice of location, land acquisition & registration as well as liaisons with our Real Estate Developing Partners to furnish you with your site & building plan and the building construction proper. If you would rather buy a home in Ghana, our Team will steer with you towards acquiring your dream Ghanaian home in a preferred location. If renting a living space is what works for you and your loved ones, we still got you, we will conduct the search with you in locations of preference and negotiate cost effective industry standard pricing for you, no problem. If you are in for a Hotel or Air B n B living, simply furnish us with your living specifications and in what locations then leave the rest to us. If you are not sure which of the above you are ready for, do not worry, lets schedule a free consultation using the contact button at the foot of this page and lets get you moving to Ghana with a place to accommodate your stay!

Business Ownership | Investment.

Introduction.

It is very possible for an Expatriate Investor or Business Owner to establish the presence of a locally incorporated Business Entity in Ghana as a Limited Liability Company also known as the Local Company or Subsidiary. The Expatriate Investor can also register a company incorporated in a foreign land as an External Company or Branch, and also as a Joint Venture with a Ghanaian native resident all under Ghana’s Company Act, 2019 [Act 992], and by the agency of the Registrar General’s Department.

Business Ownership ~ Local Company | Subsidiary.

A Local Company or a Subsidiary is a company that is limited by the shares of its share-holders and can either be wholly or partly owned by both a Ghanaian native and a non-Ghanaian. The registration forms for a company limited by shares can be freely obtained on the website of the Registrar General’s Department. The acquisition of Tax Identification Numbers (TIN) for the company, its directors as well as share-holders are usually incorporated into the company registration process without which the process cannot be effected. Once the forms have been accessed and filled, an application fee applies, this fee however varies with the changing times and thus when you consult with us upon your readiness, we shall furnish you with recent fees. After filing through the application fees, a Business Incorporation Certificate & a Business Operation Permit along with Certified True Copy of the Company’s Regulations are issued after the period of time required for processing.

Business Ownership ~ External Company | Branch.

An External Company or a Branch is a Company incorporated in a country other than Ghana but has an established place of business on Ghanaian soil. The requirements to realize an External Company in Ghana are as follows;

Name of Company.

Nature of Business.

Name & Details of Local Manager.

Authorized Capital.

Issued Capital.

Address of Principal Place of Business in Ghana.

Address of Registered Office in Country of Incorporation.

Name & Address of Process Agent.

Memorandum & Articles of Association of Head Office duly notarized by a Notary Public in the Country of Incorporation.

A Power of Attorney executed in favor of the Local Manager notarized by a Notary Public.

Certificate of Incorporation of the Head Office notarized in the Country of Incorporation.

The fees involved in the process of registration varies with the times, so when you prove ready to incorporate a Branch we shall consult on the recent applicable fees on your behalf and furnish you with same.

Investment in Ghana.

The opportunities replete in the Investment Sector given the Economy of Ghana are plentiful and rewarding when the appropriate channels are funneled with a well-plotted Plan of Action, also taking into consideration the dynamism of future shift in industry-specific trends in the planning process. Investment regimes into the Ghanaian Economy can be considered within the niches of;

Agri & Aqua Culture Sector.

The Agriculture Sector in Ghana is a major contributor to the Nation’s economy with an estimated 90 Billion Cedis recorded to have been pumped into the economy by the sector, representing some 21% of overall economic output. Agriculture in Ghana is mainly subsistence based, with small-holder farms raised by the indigenes to feed themselves and convey surplus to near markets. Ghana nonetheless boasts of some remarkable feats in sector-specific production like being the 4th largest producer of Cassava globally, and in 2020 was the 2nd highest producer of Cocoa globally.

Given the Aquaculture Sector, fish accounts for approximately 60% of the Nation’s protein needs with Marine Fishing accounting for the major crop of production. The Aquaculture Sector in Ghana churned out an estimated 76,620 tonnes of sector-specific produce in 2018, marking a 28% growth in production matrix.

The Ministry of Food & Agriculture, Forestry Commission, Environmental Protection Agency, Food & Drugs Authority, Ministry of Fisheries & Aquaculture, Fisheries Commission, Ghana Cocoa Board and Ghana Irrigation Development Authority are some of the regulatory bodies administering the Agri & Aqua Culture sectoral affairs in Ghana. And as with all investment interests in sectors of this nature, the investor must have a Plan of Action, Ample Funds & Time to realize their investment interests in their choice domain. For there is ample fertile land widespread in Ghana suitable for all types of crop production, and the open seas and water bodies are welcoming to all well-intentioned persons. The procedures involved in following the appropriate channels and acquiring the needed licenses rests with the domain-specific regulatory bodies cited overleaf.

Finance Sector.

The Finance Sector is in three major aspects namely; Banking & Finance, Insurance and Capital Markets. With Banking & Finance, Banking predominates the two with the Bank of Ghana serving the regulatory body for Universal Banking Services in Ghana. Investors can choose to place their capital assets with preexisting Local Banks or open up their own Banks following Bank of Ghana’s regulations. To open a new Universal Banking Service in Ghana, the investor will have to obtain a Class 1 Universal Banking License from the Bank of Ghana, meet with a stipulated Minimum Regulatory Capital Fund along with;

A Certified True Copy of the Regulations concerning the proposed Business of Banking.

Names, Addresses & Occupations of Persons of direct or indirect Shareholding Interest in the proposed Business of Banking and the respective value of such Holdings.

Particulars of Directors and Major Management Cohort given the proposed Business of Banking.

Statutory Declaration from each of the Directors stating they are free from any Criminal Convictions, Public Criticisms & Caveats regarding their conduct, as well as a Criminal Record Certificate from the Criminal Investigation Department.

Feasibility Reports inclusive of a Business Plan for the first five years.

Capital & Sources of Funds.

The Insurance Industry in Ghana is regulated by the National Insurance Commission and governed by the Insurance Act 2006 (Act 724). This act prohibits the merger of Non-Life Insurance & Life Assurance activities by a single entity. To obtain operation license as an Insurance Company, the outfit must put in an application with the National Insurance Commission along with;

A copy of Certificate of Incorporation & Commencement of Business.

Copies of documents filed at the Registrar General’s Department.

Details of each Share Holder including Curriculum Vitae (CV) and a completed Personal Questionnaire from each Director, at least two Principal Officers and a proposed Chief Finance Officer.

A detail five-year Business Plan inclusive of very important future organizational projections.

Evidence of the availability of the required Minimum Capital and the source of it.

60% of the required Minimum Capital must be in cash or its equivalent.

Consent Letter from External Auditors and latest Audited Financial Statements coupled with Statement of Affairs showing all Assets & Liabilities.

Proposed Insurance Products & Deliverables.

In the case of Life Companies, Particulars & Letters of Consent from Actuary.

Copies of all Contract Documents regulating applicants relationship with other companies.

A description of the Location of the Office to be approved by the National Insurance Commission.

The Capital Market in Ghana is constituted by the Ghana Stock Exchange (GSE), Ghana Commodity Exchange (GCX), & Securities & Exchange Commission (SEC).

The Ghana Stock Exchange (GSE) was initially established in July 1989 as a Private Company Limited by Guarantee under the Companies Act 2019, (Act 992). It was afforded recognition as a recognized Stock Exchange under the Stock Exchange Act of 1971 (Act 384) in October 1990 and started trading on 12th November, 1990. In April 1994, the Ghana Stock Exchange (GSE) changed its Private status to a Public Company Limited by Guarantee.

The Ghana Commodity Exchange (GCX) is a Private Company Limited by Shares with an organizational structure as Private-Public Partnership. In November 2017, the Government of Ghana serving as its Sole Shareholder realized its incorporation. The Ghana Commodities Exchange (GCX) seeks to connect small-scale Ghanaian farmers to agricultural and financial markets in Ghana and beyond to help them secure decent & competitive prices for their commodities & services.

The Securities & Exchange Commission (SEC) was established by the Securities Industry Act, 2016 (Act 929) with the rationale of developing an efficient, transparent and integrity-worthy Securities Industry.

Real Estate Sector.

The urbanization rate in Ghana is reported to roughly hover around 3.51% coupled with an increase in Middle Class Population and the influx of expatriates. This shift in Ghana’s peopling has called for not only well planned residential layouts and their attendant realization, but also the caliber & quality of the estates realized to match the taste & status of the people.

The Real Estate Industry has also been incentivized by the Government and in ways that is expected to attract both local and foreign investors. There are reduced Tax Rates and VAT exemptions in some cases for industry players so that their roles can be intrinsically motivated to help offset Ghana’s Housing Deficit.

Land acquisition for Real Estate Projects in Ghana has a certain relative ease about it to allow for accessibility despite some of the problems that are ripe with it. There are four main categories of Land in Ghana and these are; Government Lands, Vested Lands, Stool Lands & Family Lands, and depending on the caliber & location of a proposed Real Estate Project, the Project Lead will have to approach the relevant authority to liaise with in the acquisition process.

Oil & Gas Sector.

The exploration of Oil & Gas in Ghana is reported to have begun in 1896, with the Ghana National Petroleum Corporation (GNPC) leading the charge in explorative research up to about the year 2000 when Government of Ghana decided to move away from sole exploratory initiatives of the sector. So Offshore Oil Exploration & Production Licenses, otherwise known as Blocks were granted to international domain-specific players, and in 2007, Tullow Oil & Kosmos Energy reported to have discovered oil in commercial quantities in a place within the Western Region of Ghana now named the Jubilee Fields.

The Petroleum Commission (PC) is the main regulator for Upstream Petroleum Companies who intend to operate in Ghana. These companies must register with the Petroleum Commission and such registrations are renewable annually.

Any Petroleum Company desiring to acquire a Block for the exploration & production of oil must put in an application with the Ministry of Energy. The Petroleum Commission administers the process and makes recommendations for the award of Petroleum Agreement (PA).

The criteria looked out for before a Petroleum Agreement (PA) is considered for an award is;

Financial Capability.

Technical Track Record of Applicant.

Proposed Work Program.

Budget.

Proposed Fiscal Terms.

When these criteria are satisfied per the Petroleum Commission standards, its recommendations accepted and the terms of conduct negotiated, the draft agreement is sent to Cabinet for approval. Once Cabinet has approved, the Agreement is executed by the parties involved and further relayed to Parliament for ratification.

Mineral Mining Sector.

The Mining Sector makes up an estimated 5% of the Ghana’s Gross Domestic Product, and the minerals mined make up some 37% of overall exports with Gold amounting to 90% of all that is exported. Ghana is reported to be the second largest producer of Gold in Africa.

Every Mineral in its natural state within the borders of Ghana is Ghana’s property and vested within the trust of the President for the nationals. Mining in Ghana is regulated by the Minerals Commission which works in collaboration with the Ministry of Natural Resources, and given its legislative instrument, the sector is ruled by Mining & Minerals Act , 2006, [Act 703]. The Act 703 affords a respectable degree of power to the Minister to categorize lands for exploration as well as issue and | or revoke mining & exploration rights were deemed prudent.

The Minerals Income Investment Fund Act, 2018, [Act 978] allows for the realization of a management fund to receive the Equity Interests & Mineral Royalties due the Government of Ghana on behalf of the Government of Ghana in mining companies.

Hospitality & Service-Delivery Sector.

The National Tourism Development Plan (2013 – 2027) spearheaded by the Ministry of Tourism, Culture and Creative Arts have submitted that the Tourism & Hospitality Sector along with their Service-Delivery tendencies are a major driver of the Ghanaian Economy, with projections in tourist receipts within the plan revealing an increase from $1.5 Billion in 2017 to an estimated $4.3 Billion in 2027. Direct employment within the sector is also projected to increase annually by 1.6% to 366,000 jobs by 2028.

The Hospitality & Service-Delivery Sector wields in its very nature a limitless potential for probable investors due to its catering to basic human needs such as; accommodation, food & beverages, entertainment, safety & security and the healing born of rest & relaxation. The investment potential within this sector in Ghana thus lies in the gaps replete within its Service-Delivery Capacity.

Some of the Service-Delivery Gaps replete in Ghana’s Hospitality Sector open to strategic investments include but not limited to;

Safety & Security; in this, investors can engender initiatives that are geared towards enhancing the modernization of Safety & Security needs of the sector.

Provision of Cost-Effective & Eco-friendly Accommodations; in this, investors can look into furnishing the sector with affordable and nature-friendly housing within vantage locations.

Service-Delivery Proper; in this, investors can pay attention to initiating World Class Human Resource Training Programs in partnership with preexisting outfits within the sector or begin their own movement in respect of industry regulations to foster top-notch customer service delivery.

Environmental Sustainability; in this, investors can divert resources to consulting on responsible Eco-Tourism & Hospitality given the rising global concern for Earth’s preservation, visitors to Ghana are more drawn to locations sold to a culture that respects and preserves the environment. Investors can also bring their own wealth of eco-preservative wisdom to grow an industry therein.

Priority on National Heritage; as a proud people given to an adherence of our cultural values, the sector cherishes & supports investment initiatives that accords same reverence to our timeless values, and thus numerous opportunities exist for investment in eco-friendly accommodations and eateries around our cultural heritage sites. Art, Music & Entertainment investment initiatives bearing flavors of the National Heritage Lore are also to be greatly rewarded.

Increased Use of Modern Technology; the world has significantly shifted in its widespread adaptation to Web 3.0 and Artificial Intelligence Technologies to do work and foster entertainment, thus employing advanced technologies in these aspects to enhance satisfactory customer service experiences within the sector is greatly rewarding and a huge opportunity for potential investors in the sector.

Diversification of Hospitality Portfolios; persons from all life’s walk troop into Ghana for different reasons and as a result the sector must amplify its service-delivery reach to meet the growing demands of their diversified needs, so in this we see a great potential for carving out new niches in Hospitality that are not even presently existent within the Ghanaian context, and this novelty of initiative suffice to mention is reserved to the imagination of the entrepreneurial investor in compliance with industry regulations.

Charity Sector.

The Charity Sector in Ghana according to the 2022 Global Philanthropy Environment Index Ghana is free and open with no political interference or harassment. This sector has also contributed significantly to National Development & Growth across the varied sectors of governance.

The registration process for a Non-Governmental Organization (NGO) takes on two stages. The first stage includes a registration with the Registrar General’s Department as per the Companies Act, 2019 (Act 992) for a Certificate to Commence Business. The Trustees Incorporation Act of 1962 and the Professional Bodies Registration Decree (NRCD 143) of 1976 are some other legal instruments tendering Ghana’s Charity Sector.

The second stage of registration is with the Non-Profit Organization Secretariat where the Certificate issued by the Registrar of Companies is presented for a licensure before the Charity’s formal operations can begin. All these registrations come at a stipulated small fee averaging around $200 for the former and $150 for the latter.

The relationship between Ghana’s Philanthropic & Government aspects has grown cordial over time and thus, Philanthropic Organizations are free to publish their research findings, share evidences of their initiatives and critique government policies and interventions without fear of any form.

The 2015 Income Tax Act (896) section 100 incentivizes charity donations in Ghana where it is stated; “person who contributes or makes a donation to a worthwhile cause can claim a deduction from the person’s income for such contribution or donation .”

Business Regulating Bodies In Ghana.

Ghana Investment Promotion Centre [GIPC] is the regulating body for all business entities in which there is foreign participation. This is stipulated under the GIPC Act, 2013 [Act 865], [GIPC Act].

Ghana Free Zones Authority [GFZA], registers and regulates business entities outside of the; Mining, Petroleum & Timber industries. Those entities registered with Ghana Free Zones Authority [GFZA] enjoy a ten [10] year tax-free business operation as long as they are able to export 70% of their produce. After the tenth [10TH] year however, there is a 25% tax levied on goods going into the local market and 15% tax placed on goods going into foreign markets.

The Ghana Revenue Authority [GRA] is the main Tax Compliance Body in Ghana for all entities carrying on business-related activity within Ghana.

Social Security & National Insurance Trust widely known as ‘SSNIT’ is the go-to registration haven for all employers in fulfillment of their Tier 1 Pension contributions to their employees. Employers are also required to register with a Private Pension Fund Manager for Tier 2 Pension Contributions on behalf of their employees.

The Data Protection Commission regulates all entities that Control (Data Controllers) & Process (Data Processors) personal data, also requiring of them to renew their registration every two years to meet with upgraded standards. The Commission as well tasks Data Controllers & Data Processors to submit yearly compliance reports.

The National Communications Authority regulates bodies that provide some Telecommunication services and communication business such as Radio Stations.

The Minerals Commission governs all entities providing mining & mine support services. Registration with the Minerals Commission by these entities entitles them to privileges such as; the issuance of Expatriate Immigration Quota, exemption from Import Duties as well as an authorization to Invoice, Receive & make Payments in a Foreign Currency per the compliance standards of the Bank of Ghana.

With the Ghana Immigration Service, employers of Foreign Nationals are therein required to obtain Work & Residence Permit for their employees and renew same upon expiration. Employers of Foreign Nationals are required to notify the Ghana Immigration Service upon the departure of their employees, and file annual returns on the status of their Expatriates.

At the District & Municipal Assembly Level of Engagement, registration is therein called for as far as the issuance of a Business Operating Permit [BOP] is concerned. It is recommended that contact is established at the same time registration with the Registrar General’s Department begins, and thereafter a formal application must be put in to obtain Business Operating Permit.