Trusted since 2010
Your Partner inFair and Accessible Credit
Kama Financial Services is a Ghanaian fintech on a mission to make fair, transparent, and accessible credit a reality for everyone.
Who We Are
Kama Financial Services is a Ghanaian fintech company founded to provide fair, transparent, and accessible micro-loans to everyday people. Our flagship product, Kama Credit, offers responsible micro-loans to salary workers, traders, small business owners, and community groups across Ghana. We combine technology with a human touch, so customers can access funds quickly — without confusion, hidden fees, or intimidation.
"We started Kama because we saw that people often need small but meaningful amounts of money, yet their only options were slow processes or very expensive informal loans. Kama was created as an honest, practical alternative."
Mission & Values
Guided by our core principles, we're committed to creating lasting financial impact for individuals and communities.
Our Mission
Our mission is to empower Ghanaians with responsible credit and simple digital financial tools, so they can manage money confidently and build better futures.
Clear and honest communication
No hidden fees or misleading terms.
Affordability and responsible lending
Loans sized to what customers can repay.
Education and financial skills
We prioritize customer understanding over just giving out loans.
Relevant technology
Digital tools tailored to real-life needs in Ghana.
Our Vision
Our vision is to become the most trusted everyday financial partner in Ghana and beyond — starting with loans and growing into a full ecosystem of digital financial solutions.
In the future, we plan to expand beyond our current loan services:
KamaPay
A digital wallet for easy sending, receiving, and spending of money.
Kama Money Tools
Budgeting, saving, and financial planning resources for customers.
What We Do Today – Kama Credit Services
What We Do: Kama Credit — Our core service is providing micro-loans that meet the real needs of Ghanaians. We currently offer:
Business Micro-Loans
For traders, shop owners, and small businesses to buy stock, expand operations, or manage cash flow.
Personal & Salary Loans
For individuals and salaried workers to cover needs like school fees, rent, medical bills, family projects, or emergencies.
Group & Association Loans
For groups, unions, and associations where members support and guarantee one another to access credit as a team.
Loan Disbursement and Repayment: Loans are disbursed directly to customers' mobile money wallets or bank accounts, with repayment plans structured to match their income patterns.
How We Work – Our Approach
Our processes and principles guide how we operate, ensuring responsible, efficient, and transparent service delivery.
Responsible Lending First
We carefully assess each borrower's identity (KYC), income, existing commitments, and our internal Kama Credit Score before approving a loan. This ensures we only lend amounts that customers can realistically repay. (It's better to offer a smaller, manageable loan than to push someone into over-indebtedness.)
Technology + Human Touch
We use technology to make the process fast and efficient, with online applications and real-time tracking of approvals and repayments. However, we never remove the human element — customers can also interact with our agents or visit branches. Our team is always available to explain terms, answer questions, and support customers through the loan process.
Transparency and Clarity
No fine-print surprises. Before a customer accepts a loan, we clearly explain the loan amount, term (tenure), total cost, all fees, and interest rates. Customers know exactly how much they must repay and on what schedule. This way, there are no hidden charges or confusion.
Commitment to Financial Education
"We believe that good decisions beat quick money. That's why Kama Financial Services invests in financial literacy and education for our customers and the community."
Through our Kama Money Tools resources (articles, guides, and future digital tools), we help people understand how to use money wisely — whether or not they have a loan with us.
List some ways this is done:
Providing simple guides on budgeting and tracking spending.
Teaching strategies for saving, even with a modest income.
Educating about interest rates, debt cycles, and how to avoid debt traps.
Sharing basic money management tips for small businesses and traders.
Our Core Values
These principles guide our operations and relationships with customers, communities, and partners.
Integrity
We say what we mean and do what we say. We do not hide costs or mislead customers.
Respect
Every customer is treated with dignity, regardless of loan size, background, or education.
Responsibility
We lend in a way that protects both our business and our customers' long-term financial health.
Innovation with Purpose
We use technology to solve real problems in Ghanaian communities, not just to appear "high-tech". Every innovation should have a meaningful use for our customers.
Partnership
We work with customers, agents, employers, and other partners as one ecosystem. We believe everyone wins when the customer succeeds.
Governance and Compliance
"Kama Financial Services operates under Ghana's financial regulations and guidelines. We maintain strong internal policies for KYC (Know Your Customer), data protection, and risk management. Our systems and processes are built to scale securely as we grow and obtain any additional licenses required for new services."
"We are committed to working closely with regulators, partners, and stakeholders to remain a trusted, compliant, and sustainable business."
Our Story
"Kama Financial Services was founded by Ghanaians familiar with both the pressures of financial stress and the power of technology to solve problems. We have seen first-hand the struggles of traders who miss opportunities because they cannot raise quick funds, workers whose salaries delay while bills are due, and small business owners with great ideas but limited access to capital."
"Kama was created as a bridge between these real-life challenges and modern digital finance. We started with providing credit, and we plan to expand step by step into a broader fintech ecosystem that addresses more of our customers' needs."
Looking Ahead
We are just getting started. Here are our goals for the coming years:
Expansion of Kama Credit
Continue growing the reach of our micro-loans to more regions and communities across Ghana, so more people have access to fair credit.
Launching KamaPay
Develop and introduce our digital wallet and payment platform (KamaPay) to facilitate easy transactions for customers.
Introducing New Money Tools
Build additional tools and resources that help customers plan, track, and grow their finances (such as savings programs, financial planning apps, or educational platforms).
Strategic Partnerships
Partner with employers, associations, institutions, and digital platforms to integrate Kama's services where people already spend their time (for example, offering loans through partner marketplaces or payroll systems).
"Our long-term goal is that whenever someone in Ghana hears the name Kama, they think of a trusted partner for all their financial needs — from loans to payments to building wealth."
Meet the Team
Our experienced leadership team is committed to guiding Kama Micro-Credit with expertise, integrity, and innovation.
Kwame Annan
Chief Executive Officer
With over 20 years in banking and fintech, Kwame leads our organization with a focus on innovation and inclusion.
Abena Mensah
Chief Financial Officer
Abena brings extensive experience in financial management and strategy to drive sustainable growth and profitability.
Kofi Owusu
Chief Technology Officer
Leading our digital transformation, Kofi is dedicated to creating secure, innovative banking solutions.
Industry Awards
Our commitment to excellence has earned us recognition and accolades from leading industry organizations.
15+
Excellence Awards
8
Innovation Prizes
5
Leadership Awards
10+
Industry Honors
What Our Customers Say
Hear from individuals and businesses who have transformed their financial futures with Kama Micro-Credit.
Kama Micro-Credit provided the capital I needed to expand my business when traditional banks wouldn't take a chance on me. Their personalized approach made all the difference.
Grace Asante
Small Business Owner
The education loan from Kama helped me establish a community learning center. Their competitive rates and flexible terms are unmatched in the industry.
Emmanuel Osei
Education Entrepreneur
As a young professional, I never thought I could own a home so soon. Kama's home loan program and financial guidance made my dream a reality within just three years.
Fatima Ibrahim
First-time Homeowner
Join the Kama Journey
"Whether you are an individual looking for a fair and transparent loan, a trader or small business owner in need of working capital, a group seeking structured credit for your members, or an employer interested in partnering with us, Kama Financial Services is here to help you."
Call Us
+233 544504184
Mon-Fri, 8am-6pm
Email Us
info@kamamicrocredit.com
We respond within 24 hours
Visit Us
P.O. Box KS 11132, Adum - Kumasi
Ghana