“To innovate credit solutions that expand access to credit and lead to poverty alleviation.”01
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
A finance and accounting professional with more than 15 years of experience across agribusiness, financial services, consulting and non-profit organisations.
F.O.D. teamAdministrative and Clients Executive
An administrative and human resource professional with experience in customer service, credit management and organisational administration.
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 20039, or email ezu@fodmicrocredit.com.
Explore how F.O.D. assesses, approves, disburses and supports each facility.