A Ghanaian story about how a small loan can change lives

Sinapi Aba Trust helps Akosua, a housekeeper in Ghana, prosper in her business though microfinance. After years of knocking on doors to sell pastries, a small loan changed everything for Akosua.

Sinapi Aba Trust was established in 1994 and is currently the largest MFI in Ghana in number of borrowers. The institution offers six different loan products: Trust Bank loans, Solidarity loans, Individual micro loans, SME loans, Sinapi Micro School loans and Sinapi Asset Loans.

Akosua used to sell small pastries from door to door like it was yesterday, with her business being very small then. Luckily, a friend told her about Sinapi Aba (SAT), the largest microfinance institution in Ghana. She saw this as the very opportunity she needed to grow her business and begin on the path to self-sufficiency.

After taking out a micro-loan, Akosua was able to invest in a small kiosk in a residential area to sell smoked fish, tomatoes, eggplant, groundnuts, dried pepper, and other items. She’s been a client of SAT for a year and is now making 50 cedi (US$50) in sales a day at her kiosk, generating a daily profit of about 10 cedi (US$10). Sinapi has a high rural exposure and a broad geographical outreach, and targets the smallest entrepreneurs with various credit products and community outreach programs.

Further information


Partnership types

Doing business with the poor; Project funding

Regions / countries / territories

Africa: Ghana

Global issues

Job creation and enterprise development; Financial accessibility and management; Gender...show all (3)

Business sectors