December in GH: Beware of ‘I Don’t Have Cedis’ Borgas
As the festive season approaches and Ghanaians abroad return home for the holidays, warnings are emerging over the resurgence of a familiar December scam popularly known as the “I don’t have cedis” borga.
The scheme typically involves individuals who claim they have just arrived in Ghana but are unable to access local currency. Common excuses include delayed foreign exchange transactions, non-functioning bank cards, mobile money issues, or funds that have “not yet cleared.” Victims are often persuaded to provide cash or mobile money support with promises of quick repayment that rarely materialise.
Speaking to Nsemgh, technology consultant Mr Derek Laryea cautioned the public to be vigilant, stressing that any genuine traveller returning from abroad would have prepared adequately before embarking on their journey.
“Anyone travelling internationally in December understands the risks and usually has multiple ways to finance emergencies,” Mr Laryea explained. “From international debit and credit cards to mobile banking apps, digital wallets, and trusted local contacts, it is highly unlikely that a legitimate traveller would be completely stranded without access to funds.”
He added that advances in financial technology have significantly reduced the chances of travellers being unable to access money, even temporarily. According to him, claims of total financial helplessness should immediately raise red flags.
The scam often intensifies during the Christmas and New Year period, when emotions run high and people are more willing to help perceived returnees, especially those presenting themselves as successful “borgas” who only need short-term assistance.
Security analysts advise the public to verify identities, avoid lending money to strangers, and direct anyone claiming distress to formal institutions such as banks, forex bureaus, or trusted relatives.
As Ghanaians prepare to celebrate the festive season, experts urge the public to remain cautious and avoid falling victim to emotionally driven financial scams that resurface every December.
Nsemgh will continue to highlight public safety and consumer awareness issues throughout the festive season.