Universal Microfinance Limited was 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.
13+ years
Operational stability
Company Overview
The company’s head office is located around Mallam Junction on the Mallam-Gbawe corridor in Accra. Its core business lines are loans, savings, investments, and business advisory services, supported by regional presence and operational systems intended to serve a broad customer base.
UMF serves a broad customer base and maintains a strong deposit base alongside its lending operations.
Regional Presence
Branches are strategically positioned to serve economically diverse customer groups across Greater Accra and Ashanti Region.
To provide holistic support to businesses through efficient and effective delivery of customer-centered financial services.
To be the most attractive financial service provider, helping improve the living conditions of the people of Ghana and beyond.
Governance & Compliance
UMF operates under Bank of Ghana licensing requirements, operational rules for deposits and lending, and customer protection obligations.
Technology & Operations
UMF’s operating model includes core banking applications, digital transaction platforms, and mobile money support intended to improve service delivery, data management, and operational control.
“We believe in transforming your business. Our commitment is to ensure that every individual and business that walks through our doors receives the highest level of financial advisory and funding to achieve their dreams.”
The original company message emphasizes resilience, customer trust, and a long-term commitment to helping businesses and individuals access practical financial support.
Kwadwo Amofa-Fofie
Chief Executive Officer
Leadership Team
Kwadwo Amofa-Fofie
Chief Executive Officer
Leads the institution’s customer-centered growth agenda and public-facing executive direction.
Kwasi Odame
Board Member
Chartered Accountant and systems leader with over 25 years of finance, ERP, and governance experience.
