Getting a loan in Ghana depends on who you are and what you wnat the loan for. If you are a student, The best place to get a loan is SSNIT. you can check out their loan package at http://sltf-ghana.org/newsltf/pages/index.php If you are not a student but an individual who wants the loan for purposes like business, so you need to get to a bank, talk to the receptionist there about their loan packages, Try this at as many banks as you want. Choose the one that suit your purposes and meet the requirements and then start the application.
There are also special financial institutions in the country that fully targets SMEs so you might want to get to this people too and find out exactly what they can offer you.