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Barclays interacts with SME clients in Takoradi on sound business practices



Clients doing business with Barclays Bank Ghana in Takoradi have benefitted from its Small and Medium Enterprises (SME) capacity building. The clients were taken through product education, technical support and business development opportunities.Head of SME Banking, Mrs Audrey Abakah, assured participants of the bank’s capacity and ability to support the growth of their businesses. ‘As we move into a highly digitised banking environment, we will lead and assist you make the right digital choices that will impact positively on your growth. We have a 102-year track record of being safe, trustworthy and profitable.

We are the trusted financial partner you can always rely on for the best products and services tailored to serve your best interest.’ She added ‘we are a company capable of creating opportunities, working together to help people rise- customers, clients, colleagues and society. This is a consistent expression of our brand to help signal the promise of our purpose and values to build an identity that is recognisable and clearly understood’. Mrs Grace Anim-Yeboah, Business Banking Director of Barclays noted, the Bank is committed to playing a major role in shaping the business community and helping them to grow.

This is the main reason for their continued focus on providing a platform that customers can take advantage of and access the right skills and resources to grow their businesses. ‘We are poised to meet your banking needs especially as we transition to become Absa – a strong pan African bank with deep local insights and global scale. We are ready to partner our SME clients and support them with capacity building programmes and financing, including unsecured business loans of up to GHS500,000’. Last year, the Barclays SME clinics supported more than 750 clients with various capacity building programmes. The Bank looks forward to engaging more SME clients this year.

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LN | Business

The 2019 Toyota RAV4 SUV, a masterpiece for all!



Vrroooooooommmm! When we hear this sound, one thing comes to mind. Yes, you got it! It’s an automobile. Automobiles came to global use in the 20th Century and have evolved over time with different brands and models that suit the needs of everyone capable of driving or owning one, no matter where they are on the globe. From affordable to luxury cars, whatever your need is, one brand has been able to consistently serve the insatiable desires of customers with exactly what they need; Toyota.

Toyota right from the first car in 1934 to date has yet to disappoint its customers and fanatics. Currently, Toyota has unveiled a new model of its Sports Utility Vehicle (SUV) on to the global market with diverse awe-inspiring features that enthrals its many admirers; the Toyota Recreational Activities Vehicle 4-wheel drive, known universally as the RAV4.

The RAV4 made its debut in 1994/1995 in Japan, Europe and North America. Four generations down the line comes the 5th Generation all-new and improved 2019 RAV4 with 3 different heroic grades; adventure, limited and hybrid.

The new model has moved from a specialty vehicle to a mass production vehicle that appeals to both sexes with a new definition for the 5th Generation; Robust, Accurate Vehicle 4-Wheel Drive. The new RAV4 comes with an eccentric look, form and function combined in tail lights and exterior door handles which have been shaped to contribute to the aerodynamic stability. The design itself is very striking and attractive and will still remain stunning even after 10 years.

Toyota Ghana, a subsidiary of the Toyota Motor Corporation, officially launched the all-new RAV4 at the glamorous ambiance of the Oxford Street Mall on 12th April 2019. At the launch, many car enthusiasts and more especially Toyota fanatics were present to have a first feel of the new bold and fearless look it portrays.

Participants at the launch were astonished by the innovation and creativity that went into the manufacturing of the all-new masterpiece that stands tall among its contemporaries on the market. Customers in Ghana are only eligible to the new bold looking Adventure grade.

What makes the all-new Toyota RAV4 spectacular?

Like all Toyota’s new models, the new RAV4 is built on the Toyota New Global Architecture (TNGA). TNGA was designed to improve handling by lowering the centre of gravity for more responsive handling, even on an SUV such as the new RAV4.

There is the standard grille and a bigger, bolder face on the new Adventure model. The new Adventure model also gets roof rails and chunkier wheel arches, as well as all-terrain drive mode settings for the all-wheel drive system, to give the new RAV4 more off-road capability. It is a 2.0-litre four-cylinder petrol engine making 127kW of power and 203Nm of torque, paired to an eight-speed CVT (Continuously Variable Transmission) automatic which is fitted with a mechanical launch gear for better response.

The 2019 RAV4 is “totally meant to cause a stare because of its bold look and daring presence,” the Toyota Ghana Team revealed in an interview.

The Car with the “Ghanaian Roads in Mind”

At the launch of the 2019 RAV4, it was mentioned that the making of the new RAV4 had “the Ghanaian roads in mind.” Typically, the ideal description of Ghanaian roads is that it has a lot of potholes and or rough roads which affect automobiles through wear and tear of some parts, damage to shock absorbers, and also wearing of the tyres.

In this regard, the 2019 RAV4 model during its initial stage of manufacturing had three Ghanaian Engineers join their counterparts from other parts of the world to deliberate on how to produce a car that will withstand such negative impacts whiles giving customers enjoyable and comfortable ride. Thus, considering all the above factors, the new Adventure grade is the perfect fit for the Ghanaian market.

The 2019 RAV4 Adventure “gives the full benefit of a vehicle without stress. The suspension system gives that comfort one needs without spending much on servicing and fuel, and also, the car responds to the weather terrain in Ghana, and the engine suits the Ghanaian environment.”

The team further explained that there is a Severe Usage Package provided by Toyota which factors in any harsh condition. This system is to enable the user suppress most of the elements such as environmental, the road and or even the general driving attitude in Ghana.

The Uniqueness of the 2019 RAV4 SUV

  • Styling

With the contrasting accents and stitching and the slashed texture of the control-knob grips, the generous rear-seat room and increased cabin storage, just makes the new interior layout the biggest praise for the RAV4 2019 model. It has Day/Night rear-view mirror, Auto-dimming rear-view mirror, leather-trimmed sports seats, 8-way power adjustable driver’s seat, tilt/ telescopic urethane 3 spoke steering wheel, power windows with driver auto up/down with jam protection, centre armrest with console storage box, 60/40 split, and reclining, fold-flat second-row seat with centre armrest.

In addition to this, just for comfort and convenience, the new RAV4 fortunately has all the controls fall where one would expect them. Most of the audio controls are accessible on the steering wheel and gives one a visual indication in the 7-inch TFT multi-information display.The dash console is black and gives the option of either analogue or digital reading which can be varied to any colour the user pleases. “It’s a computer on the dashboard giving one data and interpreting the data to lay persons to guide one in driving” the team revealed.

“It also has a lift activated gate for the rear door for easy access especially when the user’s hand is filled with luggage or groceries.”

The 2019 Toyota RAV4 also has five USB ports throughout the cabin, as well as a 12V/120W power outlet up front. The Adventure offers a 100W AC power outlet in the rear cargo area, which is a nice touch on a road trip.

On the external, the RAV4 has eye-catching looks with more style and personality; just looking at the grille, roof rails and chunkier wheel arches with 18-inch alloy wheel tyres. The whole ensemble of the LED Projector-beam headlights, front bumper integrated fog lights, washer-linked intermittent windshield wiper, front and rear silver-painted bumper garnish and wireless door lock makes this all-new 2019 RAV4 a diamond to grasp.

  • Technology

An extraordinary amount of technology is what the 2019 Toyota RAV4 offers on the spot. Especially when it comes to safety; Toyota Safety Sense (TSS) 2.0 system is a standard on all the three grades. These features are a pre-collision system with pedestrian detection, lane departure alert with steering assist, automatic high beams, lane tracing assist and blind spot monitoring with rear cross-traffic alert, multi-terrain select, electronic parking brake, cruise control and automatic headlamp levelling. It also has a smart key system on all doors with push button start, dual zone automatic climate control with air filter, auto headlamp levelling and illuminated entry system. Not forgetting the voice control system, which only takes a few minutes to follow the prompted procedure to teach it one’s voice.

  • Performance

The 2019 RAV4 Adventure, is powered by naturally-aspirated 2.0-litre four-cylinder engine. Toyota calls this new power plant its ‘Dynamic Force’ engine, and the numbers look encouraging on paper. The engine puts out 203 horsepower (up from the old model’s 176) and 184 lb-ft. of torque (up from 172). Power is routed in to all four wheels through an 8-speed automatic transmission. Fuel economy figures are respectable, with an Environmental Protection Agency (EPA) rating of 25 City / 33 Highway / 28 combined mpg.

It has a Dynamic Torque Vectoring AWD (All Wheel Drive) mechanism to control rear torque independently on Left and right wheels in response to driving conditions. The system demonstrates its influence by cornering.

It offers a choice of three drive modes mud and sand / normal / rock and dirt via the dial-type switch. This system lets you obtain optimum traction on varying surfaces, helping drivers enjoy secure, sure-footed control.

The 2019 RAV4 Adventure delivers a direct shift feel in a range of driving scenarios. The transmission yields smooth and linear gear changes, as well as supreme quietness and top-class fuel economy performance.

The 2.0-Litre engine achieves a thermal efficiency of 40% and balances fuel efficiency with throttle response.

  • Fuel Economy

Fuel consumption plays a vital role in the purchase of an automobile in Ghana, as the average Ghanaian is watchful of the fuel prices at the pump. That is why it’s important to note that the 2019 RAV4 Adventure has fuel economy and efficiency in mind.

The fuel tank capacity of this car is 55-litres and has an EPA rating of 25 City / 33 Highway / 28 Combined.

Because of the available choice of three drive modes mud and sand / normal / rock and dirt and also the ability to choose between ECO and Sport, top-class fuel economy performance is achieved. In addition to this, there is an indicator that gives regulated performance as you accelerate. This functionally gives a visible indication of ECO drive performance.

  • Safety and Security

There are different types of road users in Ghana. We have the ‘trotro’ and taxi drivers, motorbike riders and pedestrians. Unfortunately, most of the above-mentioned road users do not conform to the basic functions of road signage. The safety and security features installed on the latest RAV4 is to foresee such wrongful acts by these types of road users. These features protect the user both internally and externally.

Seat belts, SRS airbags, front passenger occupant classification system, exhaust gas precautions, child restraint systems, emergency assistance safety connect, electronic brake system, theft deterrent system, engine immobilizer system and alarm; necessary in every vehicle is definitely present in the 2019 RAV4 Adventure. It also has very solid impact beams at the front and rear end.

Toyota Safety Sense 2.0 system is installed on the 2019 RAV4 with eight sensors all around the car. The features are a pre-collision system with pedestrian detection, Lane Departure Alert with Steering Assist, automatic high beams, Lane Tracing Assist and Blind Spot Monitoring with Rear Cross-Traffic Alert, Automatic Headlamp Levelling and a Smart Key System on all doors.

Toyota Safety Sense 2.0 includes:

  • Pre-Collision System (updated) with enhanced deceleration capabilities and the ability to help detect a collision with a pedestrian in front of the vehicle during the day and at night, and bicyclist in front of the vehicle during the day.
  • Lane Departure Alert (updated) enhanced with “road edge detection” to increase the vehicle’s ability to help drivers stay in their lane.
  • Lane Tracing Assist (new), which provides steering support to help the driver keep the vehicle centred in its lane when Dynamic Radar Cruise Control is in operation. Also, adaptive cruise control maintains a constant vehicle speed while automatically keeping a fixed distance to the preceding vehicle
  • Full-Speed Range Dynamic Radar Cruise Control (updated) with enhanced forward recognition and acceleration/deceleration performance across a wide range of speeds.
  • The automatic high beam system detects the lights of vehicles ahead, whether they are traveling in the same or opposite lane, and automatically adjusts the headlamps to low or high beam to enhance forward visibility during night time driving.

It is assuring to know that the 2019 RAV4 passed various tests including the crash test before arriving on the market.

  • Servicing and Maintenance

For many road users in Ghana, the car’s ability to go longer without servicing is crucial. However, the engine compartment, the vehicle interior and exterior, the electronics and gadget need to be checked regularly to ensure the vehicle lasts longer and maintained in top shape for outmost performance.

General maintenance should be performed on a daily basis if the need be by oneself or by a Toyota dealer. Also, scheduled maintenance should also be performed at specified intervals according to the maintenance schedule per the user manual.

Toyota Ghana offers free servicing at the first 1000km; where every part of the vehicle is inspected and ‘tweaking’ made where necessary. Subsequently, it’s highly recommended that servicing should be done at every 5000km mileage travelled.

Why buy the all-new Toyota 2019 RAV4 Adventure?

The all-new 2019 RAV4 Adventure is in a class of its own with a bold and impressive look. Besides the technology, it has a great off-road capability, superb engine performance, impressive steering and handling, an amazing infotainment system, top class safety and security features, plenty passenger and cargo space, excellent reliability and dynamic torque vectoring all-wheel drive that helps to keep the car stable and provide great traction.

Toyota Ghana 2019 RAV4 team described their experience with the all-new model as “vivacious, seamless, effortless and a diamond; a must see, must ride, must own vehicle.” The multiplicity of add-ons to the new RAV4 gives it an advantage over other SUV brands on the market.

So, whatever, whenever, wherever; the new RAV4 Adventure grade is ready to take you to places you ever dreamed of. Find your inspiration from its rugged design, impressive versatility and outstanding capability and fulfil your desire.

Granting the greatest assurance of efficient motoring has always been with Toyota Ghana Ltd., the sole Authorized Dealer of the Toyota brands. To purchase the all-new 2019 Toyota RAV4 Adventure, one can visit the Toyota Ghana showroom located off the Graphic Road (Head Office) and Kpone (Tema Branch), where best deals on Toyota vehicles awaits everyone.

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