“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.
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.