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Ghana will have the greatest debt to the International Monetary Fund (IMF) at the end of 2025, ranking fourth in Africa.
As of December 22, 2025, the nation’s Special Drawing Rights exposure to the IMF was 2.85 billion.
This amounts to $4.13 billion in US dollars.
The International Monetary Fund (IMF) recently gave Ghana US$365 million as the fifth installment of a 2022 IMF rescue package.
The nation’s debt to the Bretton Woods organisation is anticipated to rise as a result.
Egypt has the largest outstanding loan to the IMF, ranking first in Africa. An estimated SDR 6.58 billion is its total exposure to the Fund.
Kenya (SDR 2.95 billion) and Cote d’lvoire (SDR 3.63 billion) come in second and third, respectively.
The IMF loans give member nations short-term respite, but they also result in a potentially problematic debt.
A nation’s total debt rises when it borrows heavily from the IMF, necessitating careful budgetary management.
The government’s financial freedom is further limited by the limitations that are frequently attached to the loans.
In the third quarter of 2025, Ghana’s national debt increased by GH¢71.6 billion, resulting in a total debt stock of GH¢684.6 billion ($55.1 billion) as of September 2025.
Source: newsthemegh.com
