023 106 9444 | 0552229560 Mon - Fri 09:00 - 17:00 Odorkor Official Town- Opposite King of Kings Hotel (GA-500-8440)
020 674 0716/050 413 3134 Mon - Fri 09:00 - 17:30 Santasi Roundabout opposite Goil filling Station in the same building with Yaa Asantewaa Rural Bank
Incorporated in

Operating Guideline for Tier 4

Permissible Activities:

Enterprises undertaking money lending activities shall include the words ‘Money lending’ in their names. Money lending shall involve the granting of micro-loans to their customers for such tenors as agreed between the lender and the borrower.

Branch expansion:

Tier 4 operators shall carry out their activities within a defined geographical area such as a town, city, a market or a suburb and shall not operate branches

Prudential Reporting:

MLAG shall collect and collate statistics on the operations on its members and furnish this to the Bank of Ghana periodically as may be determined.


Tier 4 Institutions are not allowed to take investment from the public. Members can however take personal loans, family assistance for their operation

Prudential Oversight

  • Tier 4 institutions shall submit Quarterly Operational reports to the Micro-Credit Association Ghana.
  • Tier 4 institutions may be subject to on-site supervision of such periodicity as may be determined by the Micro-Credit Association Ghana.
  • An operating licence shall be subject to annual renewal upon satisfactory performance and payment of an annual licence renewal fee and annual dues.


  • Members without License SHALL not Operate.
  • Operation Offices of members should be open during working days

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