“To innovate credit solutions that expand access to credit and lead to poverty alleviation.”01
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F.O.D. exists to close practical credit gaps with disciplined, technology-enabled products that treat every borrower with dignity.
A focused plan to expand access while building a sustainable, well-governed lending institution.
“To innovate credit solutions that expand access to credit and lead to poverty alleviation.”01
“To be recognised as the leading financial partner for the underserved in Ghana.”02
From product design to repayment support, these principles shape how F.O.D. intends to operate.
We keep our word to clients, staff, partners and regulators.
Product design starts with the reality of the borrower.
Strict underwriting, monitoring and recovery standards.
Deliberate use of technology to reach more people, more safely and affordably.
Financial sustainability alongside measurable social outcomes.
Behind every application is a person, a business or a community making a practical decision. F.O.D. brings disciplined review and thoughtful guidance together so customers can understand what comes next.
Meet the F.O.D. team members whose finance, administration and client experience support a more thoughtful lending journey.
F.O.D. teamManaging Director
Emmanuel Mawuta Ezu is a seasoned finance and accounting professional with over 15 years of progressive experience in financial management, budgeting, business advisory, and internal controls across the agribusiness, financial services, consulting, and non-profit sectors. He has a proven track record of providing strategic leadership in cash flow management, financial planning and analysis, budgetary control, risk management, and operational performance improvement. He is a Chartered Economist and a member of the Chartered Institute of Economists, Ghana(ICEG).He holds a Master of Business Administration(MBA) in Finance and a Bachelor of Commerce from the University of Cape Coast. Throughout his career, Emmanuel has demonstrated expertise in financial reporting, taxation, working capital management, project appraisal, business strategy, and corporate finance.His ability to translate financial insights into practical business solutions has supported organizations in enhancing profitability, strengthening internal controls, optimizing resource allocation, and achieving sustainable growth which he has mirrored to transforming F.O.D.Microcredit to becoming the best in the industry.
F.O.D. teamAdministrative and Clients Executive
Ms. Alpha Addai is an Administrative and Human Resource professional with extensive experience in customer service, credit management, and organizational administration. Holding an MSc in Management and Human Resource Strategy from KNUST, she has worked with institutions including the Controller and Accountant-General's Department, Tobinco Pharmaceuticals, and ECG. Her expertise in customer relations, credit control, reporting, and administrative support makes her a valuable member of the F.O.D. Microcredit Limited team.
F.O.D Money Lending Services Limited is a private limited liability company incorporated under Ghana’s Companies Act, 2019 (Act 992).
Licensed under the Money Lenders Ordinance as administered by the Bank of Ghana.
F.O.D. does not mobilise or accept deposits from the public.
Operations are designed around AML/CFT and Ghanaian data-protection obligations.
Bank of Ghana
licensed money lender
For more information, call or WhatsApp +233 20 876 2003, or email ezu@fodmicrocredit.com.
Explore how F.O.D. assesses, approves, disburses and supports each facility.