Holistic Support to Transform Your Business
We are a licensed financial institution providing holistic financial support to businesses and individuals through efficient and effective delivery of customer-centered services.
13+
Years in operation
40
Dedicated staff
45K+
Active customers
GHS 13M+
Depositor amount
Core Services
Practical financial support structured around customer needs.
Loans
Personal, trade finance, contract financing, asset acquisition, and working-capital support with flexible repayment structures.
Savings & Susu
Savings and susu products including Nhyehyeepa Savings, Universal Savings, Universal Kids Plan, and Special Susu.
Investments
Long-term and short-term investment opportunities designed to help customers grow funds securely and competitively.
Business Advisory
Advisory support for business planning, expansion, restructuring, and decisions that require practical financial guidance.
Licensed by the Bank of Ghana
Incorporated under the Companies Code 1963 (Act 179).
About Universal Microfinance
A wholly-owned Ghanaian institution built on trust, liquidity, and service discipline.
Universal Microfinance Limited is incorporated under the Companies Code 1963 (Act 179) and licensed by the Bank of Ghana to provide microfinance services. The institution was among the first microfinance companies licensed by the Bank of Ghana and continues to operate with a customer-centered service model.
UMF combines broad customer reach, strong deposit mobilization, and regional presence with a customer-centered service model.
Fully licensed and regulated
Customer-centered service delivery
Regional presence in Mallam, Lapaz, and Suame
Loans, savings, investments, and advisory support
Trust & Reach
Operational depth backed by governance, compliance, and regional presence.
Governance
UMF operates under a structured management board system.
Regulatory Compliance
The institution is fully licensed and regulated by the Bank of Ghana and operates under ongoing regulatory supervision.
Regional Presence
UMF’s branch presence includes Mallam, Lapaz, and Suame, serving a wide range of customers across Greater Accra and Ashanti Region.
Technology
Operations are supported by core banking applications, digital transaction platforms, and mobile money services.
Ready to speak with Universal Microfinance?
Reach our team for account-opening enquiries, product guidance, and branch support.