About Company

SJH Micro-Credit is a wholly owned Ghanaian entity licensed by the Bank of Ghana to provide short-term loans to small and medium scale enterprises, general merchants, importers and individuals within the Ghanaian economy. It was established in June 2017 and duly licensed by the Bank of Ghana as tier 4 money lending entity in September 2017. Operations however, began in 2019. SJH Micro-Credit Services has its office in Takoradi.

We are committed to building Ghana’s leading micro-credit institution within the next five (5) years. Our desire is to contribute significantly to the growth and development of small businesses and to help provide sustainable livelihood to low income families by providing avenues for sustainable income growth.

Our mission

Our Services


Our Partners

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My utmost desire is to provide opportunities for the economically active poor to improve their standards of living; economically, socially and spiritually. To achieve this, SJH Micro-Credit Services promotes financial inclusion by maintaining a good proportion of our business in the rural and peri-urban areas of our operational area, Western Region. We provide responsible financing to women and other marginalized segments of the economy whiles ensuring all client protection principles are adhered to.

I hope this website will furnish you with all the required information you need about us.