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    Microfinance as a development tool has become an integral part and important strategy for the development agenda of most emerging economies. It is, therefore, paramount for Ghanaian practitioners and interested parties to have a deeper understanding of the concept of microfinance and microfinance business so as to unleash the full potential of microfinance products and services to targeted beneficiaries.

    The recent collapse of some Microfinance Service Providers (MSPs) in Ghana can be attributed to the lack of basic appreciation of the dynamics of microfinance by many owners and managers of these institutions. Many people view microfinance as another bank and therefore operate MFIs fully as a bank.

    This module has been designed to provide participants with a broader understanding of the key technical issues in microfinance management. The manual has been structured in a way to assist participants to fully understand the business of microfinance. The manual will cover six key technical areas in microfinance including strategic planning, microfinance risk management and product development and marketing.


    The landscape for microfinance operations has changed over the last couple of years with the Bank of Ghana bringing all providers who hitherto were not supervised into various forms of regulation. The providers who were in the semi-formal sector for example Financial NGOs and those who were in the informal sector such as Susu Collectors have all found themselves under one form of regulation or the other from the Bank of Ghana. The Credit Unions which used to operate under the Department of Cooperatives for example, although they were recognized as part of Ghana’s non bank financial institutions are currently operating under new regulations that bring them into direct purview of the Bank of Ghana. The changes have resulted in mixed reactions on the part of most providers with some finding it difficult to adjust and others simply unaware of the implications of operating as a regulated entity. Knowledge of the regulatory framework within which the various providers operate will serve the interest of most providers and ensure that compliance level increases and enhance business sustainability as well. 

    The module mainly covers: Regulatory Environment for Microfinance Institutions – Laws and Notices; Bye-Laws, Policies and Organizational Framework; Reporting Requirements of the Regulator; Overview of Business Rules for Microfinance Institutions. The course includes activities and various cases of relevance to microfinance regulation and what it means to operate in a regulated industry.


    There is an old adage that says the fish rots from the head! This indicates the importance of leadership in every organization including those in financial intermediation such as microfinance institutions. Governance has come up as a major and key driver of the ability of microfinance institutions to achieve their objectives. Yet there are concerns that board members and potential board members either have not received the appropriate training to carry out their mandate or simply fail to carry out their mandate. Be it as it may, there is a general consensus by key stakeholders including regulator, microfinance associations and retail outlets for the need to institute effective training in Governance and Board Operations. This course is designed to provide the participant who is envisaged to be either an existing or a potential board member with a deepened understanding of governance and board operations especially as it pertains in microfinance institutions. It will identify the main structures for carrying out governance and board work across the various types of microfinance institutions and provide useful insights on how board members and other actors in the governance landscape are expected to carry out their mandate and responsibilities.

    Specific sections discussed in the one (1) day course include basics of corporate governance which is designed to provide the foundation of why organizations exist, structures used by organizations to achieve their purpose, the role of governance and features of good and bad governance; principles of good corporate governance; the board’s mandate and responsibility in corporate governance; board composition and structures; board procedures, operations, appraisal and renewal. The course includes activities and various cases of relevance to microfinance governance and board operations.


    Microfinance as a development tool has become an integral part and important strategy for the development agenda of most emerging economies. It is, therefore, paramount for Ghanaian practitioners and interested parties to have a deeper understanding of the concept of microfinance and microfinance business so as to unleash the full potential of microfinance products and services to targeted beneficiaries.

    The recent collapse of some Microfinance Service Providers (MSPs) in Ghana can be attributed to the lack of basic appreciation of the dynamics of microfinance by many owners and managers of these institutions. Many people view microfinance as another bank and therefore operate MFIs fully as a bank.

    This module has been designed to provide participants with a broader understanding of the key technical issues in microfinance management. The manual has been structured in a way to assist participants to fully understand the business of microfinance. The manual will cover six key technical areas in microfinance including strategic planning, microfinance risk management and product development and marketing.