Sinapi Aba Savings and Loans

Sinapi Aba Savings and Loans
Ashanti, Ghana - West Africa

Sinapi Aba Trust (SAT) began its activities in 1994 as a Non-governmental Organization (NGO) offering microfinance services to its clients. Since the beginning of its operations, SAT received a strong financial and technical support from the Opportunity International network. Later, in 2013, the organisation evolved in Sinapi Aba Savings and Loans like a new Non-Banking Financial Institution. Their services are focused on transformation, capacity building training, research and development, marketing activities, corporate relations, and projects management.

Sinapi Aba supports more than 150,000 clients through 44 agencies concentrated in the South of the country where the demand is stronger. The borrowers who live in rural areas make up 90% of the total portfolio and almost 80% of them are women. More than 97% of the portfolio finances income-generating activities. The average disbursed loan is of EUR 824.

The MFI offers group credits and individual credits. Group credits are the historical product of the MFI. Groups have between 3 and 15 members and the refunds are on a weekly basis. Some of their products are:

  • the Micro School product which targets private schools;
  • the Wash credit which allows investments in drinking water equipment; and
  • the Susu credit which targets customer’s savings daily.



Winner of Gold Award as Best Bank for Women Entrepreneurs at the Global SME Finance Awards 2020


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