Leadership Message
Fifteen Years of Lending Close
"When we started in 2011, many of our first clients had never held an account anywhere. Our work since then has been simple to describe and hard to do well: bring real banking to the people larger institutions were not reaching, and keep our word every time. That has meant officers who sit with traders in their shops and farmers on their land, because a business is understood by visiting it, not by reading a form. Fifteen years on, the people who trusted us early are still with us. That is the measure I care about most."
Ambassador Alhaji Salamu Amadu.
Founder & CEO
10
KHappy Clients
150
+Communities Reached
5000
+Businesses Supported
15
+Years of Experience
About Afro-Arab Microfinance
Building Financial Confidence
Afro-Arab Microfinance is a Tier 2 deposit-taking institution licensed by the Bank of Ghana. Since 2011 we have served traders, smallholder farmers, women's groups and individuals who larger banks overlook.
Your Deposits Are Regulated
Afro-Arab is supervised by the Bank of Ghana and reports to them regularly. Your money sits with a regulated institution, not an informal scheme.
We Come to You
Mobile bankers and field officers collect from shops, markets and farms, so you do not have to close your business to bank.
Why Choose Us
Why Clients Trust Afro-Arab Microfinance
Your Group Is Your Security
Join a registered group and the group stands behind your loan, so you do not need land or property to qualify.
Experienced Since 2011
Fifteen years lending through good seasons and hard ones, to clients who are still with us.
Fast Loan Processing
Your officer collects the application at your shop and brings the decision back to you.
Your Own Officer
You deal with the same officer each time, someone who knows your business rather than a new face.
Digital Financial Access
Access financial services conveniently through mobile bankers, mobile money, and digital channels.
Open Six Days a Week
Branches open 8am to 5pm Monday to Fridays, so you can bank without losing a trading day.
Our Process
Simple Steps To Access Our Financial Services
Open an Account
Bring an ID and a passport photo to any branch, or ask a mobile banker to come to you.
Apply for Financial Support
Tell your officer what the money is for. They will match you to the right product and take the application there and then.
Grow With Confidence
Funds are released once approved, and your officer stays with you through repayment.
Our Leadership
Meet Our Management Team
The people who run Afro-Arab day to day, and who sign off on the decisions that affect your account.
Ebenezer Egyir Tetteh
General Manager
Rebecca Efua Benyi
Internal Auditor
Jonathan Diaba
Finance Manager
Deborah Aboagye
HR & AMLRO
Rukaiyatu Munkaila
Operations ManagerClient Testimonials
What Our Clients Say About Us
Twelve of us started the group. The officer comes to our meeting every week, so nobody has to leave the market to make a payment."
Hajia Safia Ibrahim
Women Group LeaderBefore, I was buying my goods in small quantities. With the loan I buy by the carton now, so my cost comes down and my profit stays.
Akosua Mensah
Market TraderThe money came before planting season, not after. That timing is what mattered. I put in more acres that year and the harvest covered the loan easily.
Abdul Karim
FarmerThe officer knows my shop. When I asked to move my repayment week because of a slow month, it was sorted the same day.
Mavis Owusu
Small Business OwnerI run out of stock on a Friday and that is money I never make back. The loan covers the gap so my shelves stay full.
Mr. Kwame Asante
SME Entrepreneur
Frequently Asked Questions
Answers To Common Questions
Bring a photo ID and a passport photo to any branch, or ask a mobile banker to visit you. Your account is open the same day.
Group loans, agribusiness loans for farmers, SME loans for small businesses, and personal loans for clients with a savings record.
Not for group loans, where your group stands behind you. Larger individual and business loans may need security. Your officer will tell you before you apply.
Traders, farmers, artisans, women's groups, youth associations, small businesses and individuals. You do not need an existing bank account.
