Rajaram, Rajendra.Berko, Daniel.2025-04-232025-04-2320242024https://hdl.handle.net/10413/23669Doctoral Degree, University of KwaZulu-Natal, Pietermaritzburg.The study aimed to analyse the perceived impact of green microfinance on the sustainability of micro, small, and medium-sized enterprises (MSMEs) in the Sunyani and Techiman municipalities in Ghana. The elements of green microfinance used in this study were green credit, micro-savings, microinsurance, and green education. The study was conducted among MSME clients of rural and community banks and credit unions. The study focused on a target population of 5303 MSMEs. The study’s sample size was 358 MSMEs, comprising 71 in the agriculture sector, 189 in the service sector, 79 in the manufacturing sector, 13 in construction, and 6 in other sectors. The research employed a quantitative research method to match the study’s objectives with its guiding philosophy. Data was collected in person from 358 respondents who were chosen from the MSMEs in the Sunyani and Techiman Municipalities of Ghana using a stratified systematic sampling technique. The proposed research hypotheses were analysed using Smart PLS-SEM. The results revealed a positive and significant relationship between green credit, green education, micro-savings, and environmental performance. The study also demonstrated that green education, micro-savings, and microinsurance have a positive and significant influence on financial performance. Moreover, the study found that green credit and education have a positive and significant relationship with innovativeness. Nevertheless, the analysis revealed no discernible correlation between green credit and financial and social performance, nor between green education and social performance. The study makes a substantial contribution to the existing body of empirical literature on green microfinance. It would also assist the government, Bank of Ghana, microfinance institutions (MFIs) and other policymakers in developing effective policies and strategies to address environmental issues arising from MSMEs. Thus, the study recommends that MFIs and stakeholder institutions improve environmental awareness in their services. The government should create a dedicated green fund that MFIs could access at a favourable interest rate to lend to entrepreneurs for green activities. It is also recommended that the Bank of Ghana revises its Environmental and Social Risk Management policy framework for green financing to give considerable attention to microfinance institutions.enGreen microfinance.Microfinance institutions.Microcredit.MSMEs.Thesis