Generating consistent income locally can be realistic with the right approach. Below are some actionable strategies that require minimal startup capital and tap into everyday demand.

  • Mobile Money Transactions: Setting up a MoMo vendor booth in a busy area can generate small commissions on each transfer or cash-out.
  • Street Food Sales: Selling items like kelewele, roasted corn, or fried yam near bus stations or schools attracts regular customers.
  • Recharge Card Retail: Buying mobile airtime in bulk and selling with a small margin adds up fast, especially in high-traffic spots.

To register as a Mobile Money agent, contact your preferred telecom provider with a valid ID, a passport photo, and a permanent location address.

With proper planning and commitment, daily earnings can be broken down into achievable targets.

  1. Sell 50 packs of kelewele at 2 GHS profit per pack.
  2. Facilitate 30 MoMo transactions with 3 GHS average commission.
  3. Resell airtime worth 200 GHS with a 5% profit margin.
Activity Unit Profit (GHS) Units/Day Daily Total (GHS)
Kelewele Sales 2 50 100
MoMo Commissions 3 30 90
Airtime Resale 0.05 per 1 GHS 200 GHS 10

Starting a Mobile Money Transfer Business with Limited Capital

Operating a digital cash transfer service in Ghana is a practical way to generate consistent daily income, even with minimal starting funds. With the rapid adoption of mobile financial platforms like MTN Mobile Money, Vodafone Cash, and AirtelTigo Money, demand for transfer agents remains high, especially in underbanked communities.

Initial investment can be as low as GHS 500 to GHS 1,000, primarily used for float (electronic funds), registration, and basic setup. Choosing the right location–near markets, bus stations, or schools–is crucial for foot traffic and visibility. Consistent cash flow depends on transaction volume and customer trust.

Steps to Launch Your Transfer Point

  1. Register with a mobile money provider as a merchant agent.
  2. Acquire a SIM card registered in your name and link it to the merchant account.
  3. Deposit your initial float with the provider (typically starting from GHS 300).
  4. Set up a small kiosk or use a mobile stand in a high-traffic area.
  5. Advertise your service locally through signage or word of mouth.

Tip: Keep detailed records of daily transactions and always balance your float to avoid service interruptions.

Item Estimated Cost (GHS)
Float (Starting Capital) 300–500
SIM Registration Free or < 10
Kiosk Setup 200–400
Marketing Materials 50–100
  • Offer excellent customer service to retain regular users.
  • Monitor peak hours to maximize earnings.
  • Collaborate with nearby shops to increase visibility.

Reminder: Most agents earn GHS 1–2 per transaction. Reaching GHS 100/day is possible with 50–70 small transfers.

Buying and Reselling Popular Items at Busy Markets

Trading in high-demand products at busy marketplaces like Makola, Kaneshie, or Kejetia can yield consistent daily income. By purchasing affordable goods in bulk and reselling them in high-traffic areas, sellers can quickly turn small capital into profit. Focus on fast-moving consumer items that meet immediate needs.

Key to success is knowing what sells quickly and where. Early morning purchases from wholesale suppliers allow you to secure low prices before reselling later in the day with a markup. Even with limited capital, starting small with essential products is effective.

Best-Selling Products to Resell

  • Rechargeable phone accessories (USB cables, power banks)
  • Popular local snacks (plantain chips, bofrot, kelewele)
  • Second-hand clothing ("obroni wawu")
  • Detergents and soaps in sachets
  • Charcoal and fire starters in small quantities

Tip: Always observe what items are running out fast at your selling spot. Demand guides inventory.

  1. Buy early from bulk distributors or wholesalers.
  2. Set up a spot near transport stations or entrances of big markets.
  3. Price slightly below competitors to move items quickly.
  4. Reinvest part of profits daily to grow stock variety.
Item Wholesale Price (GHS) Resale Price (GHS) Profit per Unit (GHS)
Phone charger 10 15 5
Pack of snacks 1 2 1
Soap sachet 0.50 1 0.50

Offering Laundry Services to Students and Busy Workers

University students and professionals with demanding schedules often lack time to handle basic chores like washing clothes. Providing laundry solutions to these groups can generate consistent daily income, especially in densely populated areas like Legon, Madina, and Osu.

To start, identify hostels, office complexes, and residential areas with a high concentration of your target customers. You don’t need expensive equipment initially–a reliable washing machine, detergent, and access to clean water will do. Offer competitive pricing and quick turnaround time to build trust and repeat business.

What You Need to Get Started

  • Basic washing machine or access to one
  • Buckets, hangers, and drying lines
  • Detergents and fabric softeners
  • Reliable water supply
  • Transportation for pickups and deliveries (optional)

Tip: Partner with student group leaders or workplace admins to promote your service directly within their networks.

  1. Advertise on student WhatsApp groups and local Facebook pages
  2. Offer free pickup and delivery for orders above a set minimum
  3. Create a loyalty card–e.g., wash 5 times, get 1 free
Service Charge (GHS) Estimated Time
Wash and Fold (per load) 20 24 hours
Express Wash (same day) 30 6 hours
Pickup & Delivery (optional) 5-10 Flexible

Note: Serving just five clients per day at GHS 20 each can bring in GHS 100 daily, excluding extra income from express services.

Running a Small-Scale Food Delivery from Home

Preparing and selling home-cooked meals can be a practical way to generate steady income without needing a storefront. Many working professionals, students, and busy families in urban centers like Accra or Kumasi look for affordable and convenient food options delivered straight to their door. Focusing on a niche such as local dishes, healthy options, or quick lunch packs can help you stand out in a competitive market.

Start by cooking familiar meals like jollof rice, waakye, fried yam with chofi, or even fruit salads. Use messaging apps like WhatsApp to take orders and deliver them via motorbike or on foot in your neighborhood. As your customer base grows, streamline your service to maximize daily profits and minimize waste.

Steps to Launch Your Home-Based Delivery

  1. Choose 3-5 dishes you can prepare consistently and affordably.
  2. Purchase ingredients in bulk from local markets to reduce costs.
  3. Set fixed delivery times (e.g., lunch 11am–1pm, dinner 5pm–7pm).
  4. Create a simple weekly menu and share it every Sunday via WhatsApp or Facebook groups.
  5. Offer mobile money payment options like MTN MoMo to ease transactions.

Tip: Packaging matters. Use clean, reusable or disposable containers that seal well to avoid spills and maintain food temperature.

  • Target office workers, students in hostels, and busy parents.
  • Keep portions generous but cost-effective to encourage repeat business.
  • Offer bundle deals (e.g., buy 5 meals, get 1 free) to build loyalty.
Meal Cost to Prepare Selling Price Profit
Jollof Rice & Chicken GH₵15 GH₵25 GH₵10
Waakye Pack GH₵12 GH₵20 GH₵8
Fruit Salad Cup GH₵5 GH₵10 GH₵5

Important: Aim to sell at least 10–15 meals per day to reach or exceed your daily income goal.

Delivering Goods and Parcels with Two-Wheel Transport

Operating a motorcycle or bicycle as a delivery service in urban centers like Accra, Kumasi, or Takoradi provides a quick way to generate daily income. With increasing demand for food delivery, e-commerce parcels, and small business logistics, a reliable two-wheeled courier can earn consistent cash by completing multiple short-distance jobs.

This opportunity suits individuals who own or can rent a motorbike or bicycle. Partnering with local restaurants, pharmacies, and online vendors allows access to steady assignments. Couriers who focus on peak demand times and high-traffic locations can maximize the number of trips completed per day.

Daily Strategy for Reliable Earnings

  • Target deliveries during lunch (11am–2pm) and evening rush (5pm–9pm)
  • Sign up with multiple platforms (e.g. Bolt Food, Jumia, Glovo)
  • Build relationships with small shops that lack their own delivery personnel
  • Keep receipts and mileage records for better route planning and fuel management

To ensure profitability, riders should aim for at least 10 deliveries daily at an average rate of 10–15 GHS per trip.

  1. Start the day by checking all active delivery platforms for available tasks
  2. Use mobile maps to optimize routes and avoid traffic zones
  3. Charge phone fully and carry power bank for navigation and communication
Item Estimated Daily Cost (GHS) Estimated Earnings (GHS)
Fuel (motorbike) 30 150
Bike Maintenance Reserve 10 –
Net Daily Income – 110

Creating and Selling Simple Crafts at Local Events

Handmade products like beaded jewelry, African print wallets, or keyholders attract strong interest at community fairs and market days in towns across Ghana. These items are affordable to produce and can be customized to local tastes, increasing their appeal. With vibrant colors and traditional patterns, small crafts can stand out easily on a display table.

Most local gatherings, including festivals, school events, and church bazaars, allow vendors to book space for a small fee. By preparing a selection of popular items and setting up a neat table, you can connect directly with potential buyers and make multiple sales in a single day.

Examples of Crafts That Sell Well

  • Bracelets and earrings made from recycled glass beads
  • Mini kente wallets and coin purses
  • Decorative calabash bowls or painted gourds
  • Customized keyholders with names or symbols

Strong tip: Focus on unique designs that reflect Ghanaian culture–buyers are often looking for gifts or keepsakes.

  1. Source materials locally from Makola or Kumasi Central Market
  2. Spend a few hours daily producing 10–15 items
  3. Sell at events on weekends or public holidays
Craft Type Cost to Make (GHS) Suggested Price (GHS) Profit Margin
Beaded Bracelet 3 10 ~70%
Mini Wallet 5 15 ~67%
Keyholder 2 7 ~71%

Private Tutoring in Core Subjects and Practical Skills

One of the most reliable ways to earn 100 Cedis daily in Ghana is by offering private tutoring sessions. By teaching students in basic academic subjects or specialized skills, you can meet the demand for educational support and simultaneously generate a steady income. Whether you’re helping primary or secondary school students with subjects like Math, English, or Science, or teaching practical skills such as computer literacy, the opportunities are vast.

Private lessons can be conducted in person or virtually, depending on your resources and the student's preferences. To make this method effective, it is essential to identify subjects with high demand and set a reasonable hourly rate that aligns with your target earnings. For example, tutoring one student for two hours at a rate of 50 Cedis per hour will easily meet the daily goal.

Subjects and Skills to Focus On

  • Mathematics
  • English Language and Literature
  • Science (Physics, Chemistry, Biology)
  • Computer Skills (Word, Excel, Coding)
  • Foreign Languages (French, Spanish)

Important Tip: Offering specialized services such as exam preparation for local tests like the BECE or WASSCE can attract a broader range of clients.

How to Set Up Your Tutoring Service

  1. Identify Your Niche: Determine which subjects or skills you are most proficient in and passionate about.
  2. Advertise Locally: Use word of mouth, social media, and local community boards to spread the word.
  3. Set Clear Pricing: Calculate your hourly rate and ensure it’s competitive but fair for both you and your students.
  4. Provide Quality Lessons: Structure your lessons effectively and offer personalized attention to ensure your students succeed.

Tip for Success: Consistent and effective teaching builds your reputation, which can lead to more referrals and a growing client base.

Income Potential

Number of Students Hourly Rate (Cedis) Total Daily Earnings (Cedis)
1 50 100
2 40 80
3 35 105

Using Social Media to Boost Local Products for Earnings

Social media platforms offer a powerful way to promote local products and earn commissions by becoming a marketing intermediary. Many businesses in Ghana are looking for new ways to expand their reach, and social media influencers, even those with small followings, can play a crucial role in this. By leveraging platforms like Facebook, Instagram, and Twitter, individuals can advertise products and services to a wider audience in exchange for a percentage of the sales they generate.

To begin with, it’s essential to understand the local market and identify products that appeal to a specific audience. Once you’ve chosen the product, you can sign up for affiliate programs or negotiate deals directly with business owners to earn commissions on sales made through your promotion efforts. Social media platforms offer various tools for engaging with followers, such as posts, stories, and targeted ads. Here’s how you can do it:

Steps to Effectively Promote Local Products

  • Choose the right product: Identify products that resonate with your audience and are in demand locally.
  • Create engaging content: Post high-quality photos, videos, and descriptions to catch your followers' attention.
  • Use hashtags and geotags: Utilize local hashtags and location tags to increase visibility among people who are most likely to buy the product.
  • Engage with your audience: Respond to comments and messages promptly to maintain trust and engagement.

Examples of Platforms and Strategies

Platform Best Strategy
Instagram Post visually appealing content with product tags and collaborate with brands for sponsored posts.
Facebook Utilize Facebook Marketplace and create targeted ads to promote local products directly to interested buyers.
Twitter Use trending local hashtags and engage in conversations to drive attention to the product you're promoting.

Key Tip: Focus on building relationships with local businesses for long-term commission opportunities.