Interest rate
The cost of borrowing, stated monthly. Farmer Connect is documented at 1%–3%; Salary-Backed at 5% flat.
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Compare the terms documented in F.O.D.’s 2026–2028 business plan. Final offers remain subject to assessment and approval.
Rates, fees and repayment terms should be presented at the point of application.
All monetary figures are in Ghana cedis (GHS). Monthly rates use the calculation basis shown below.
| Term | Farmer Connect | Salary-Backed Loan |
|---|---|---|
| Loan amount | GHS 3,000–20,000 | GHS 1,000–10,000 |
| Interest rate | 1%–3% monthly | 5% monthly flat |
| Calculation | Straight-line basis | Flat monthly rate |
| Processing fee | For more information, call or WhatsApp +233 20 876 20039, or email ezu@fodmicrocredit.com. | 3% one-off, upfront |
| Standard tenure | 3–12 months | 4–6 months |
| CAGD tenure | Not applicable | 12–36 months |
| Repayment | Monthly, quarterly or seasonal balloon option | Monthly instalments |
| Disbursement | Mobile money or bank account | Mobile money or bank account |
The cost of borrowing, stated monthly. Farmer Connect is documented at 1%–3%; Salary-Backed at 5% flat.
The Salary-Backed Loan carries a 3% one-off upfront fee. For the Farmer Connect processing fee, for more information, call or whatsapp +233 20 876 20039, or email ezu@fodmicrocredit.com.
The period over which the facility is repaid. The applicable term depends on the product and approved repayment structure.
May use factory payment flows, standing orders, post-dated cheques or CAGD deductions, depending on the product.
Published rates, fees, amounts and tenures are indicative and do not constitute an offer or guarantee of credit. Final terms are subject to KYC/AML screening, eligibility, affordability and credit assessment, documentation, approval, and applicable regulatory requirements. Final terms will be disclosed before acceptance.
For more information, call or WhatsApp +233 20 876 20039, or email ezu@fodmicrocredit.com.
Review eligibility requirements for both products before starting an inquiry.