Gh Loans

Wɔ nnɛ bere yi sikasɛm mu wɔ Ghana no, fon so sika fɛm adwuma (fintech micro-lending) abɛyɛ kwan titiriw a ɛnam so ma nnipa pii nya sika fɛm ntɛmntɛm. Adwumakuw biako a ɛka saa akwampaefo yi ho ne Gh Loans, a wɔsan frɛ no Gh Loans Pro. Saa adwumakuw yi de ne ho ato intanɛt so koraa, na ɛnam fon so adwuma (mobile app) so na ɛma nnipa a wonni sikakɔntɔn (unbanked) ne wɔn a wɔnnya sika fɛm kwan pa fi sikakɔntɔn adwumakuw akɛseɛ hɔ no nya sika nketenkete fɛm. Yɛbɛhwɛ Gh Loans adwuma no mu kɔ akyiri wɔ ha, na yɛama nnipa a wɔpɛ sɛ wofɛm sika no afotu a ɛyɛ papa.

Gh Loans Adwumakuw no Ho Asɛm ne Ne Mfiase wɔ Ghana

Gh Loans, a wɔsan frɛ no Gh Loans Pro no, yɛ adwumakuw foforo a ɛwɔ fon so sika fɛm mu wɔ Ghana. Sɛnea nsɛm kyerɛ no, wɔde wɔn fon so adwuma no baa Google Play Store so wɔ afe 2025 mu, a ɛkyerɛ sɛ ebia wɔde adwumakuw no sii hɔ wɔ afe 2024 awiei anaa 2025 mfiase. Adwumakuw no yɛ ankorankoro de, na ɛnam nsɛm a ɛwɔ fon so adwuma no ho no so no, YOB TECH, a ɛyɛ fon so adwuma yɛfo a ofi China, na ɛyɛɛ wɔn fon so adwuma no. Eyi kyerɛ sɛ ebia adwumakuw no nnii Ghanafo de.

Adwumakuw no sikasɛm ho nhyehyɛe (business model) yɛ sika nketenkete fɛmfɛm a ɛnam fon so adwuma so koraa, na wɔde "big-data analysis" di dwuma de hwehwɛ nnipa a wɔpɛ sika fɛm no ho nsɛm. Wɔn botae yɛ Ghanafo a wɔadi mfe 18 anaa ne so, a wɔnnya akatua daa, na wɔpɛ sika fɛm ntɛmntɛm a ne dodow nnu pii. Nhyehyɛe a ɛte saa ma wɔn a wɔnnya akatua no tumi nya sika fɛm a anka ɛbɛyɛ den ama wɔn sɛ wɔbɛnya afi sikakɔntɔn akɛseɛ hɔ.

Nanso, ɛho hia sɛ yɛma yɛn ani ku nsɛm bi so. Sɛnea nhwehwɛmu kyerɛ no, Gh Loans nni din wɔ Bank of Ghana sika fɛm ne sikakɔntɔn adwumakuw a wɔama wɔn kwan sɛ wɔnyɛ adwuma no din mu. Eyi kyerɛ sɛ ebia wonnya nnyaa mmarakwan so kwan a ɛfata sɛ wɔyɛ sika fɛm adwuma wɔ Ghana, anaa ebia wɔde din foforo na ɛyɛ adwuma a ɛmma wɔn ho nsɛm nna adi pefee. Saa tebea yi yɛ ade a ɛsɛ sɛ obiara a ɔpɛ sɛ ɔfɛm sika fi wɔn hɔ no hwehwɛ mu yiye ansa na ɔde ne ho akɔhyɛ mu.

Gh Loans Sika Fɛm Ahorow ne Dwumadi ahorow a Wɔde Ma

• Sika Fɛm Ahorow: Gh Loans de sika fɛm biako pɛ na ɛma, a ɛyɛ sika nketenkete fɛm ntɛmntɛm a wonnyi hwee mma (unsecured instant micro-loan). Eyi kyerɛ sɛ wontumi mfa hwee nnyina sika fɛm no akyi.
• Sika Fɛm Dodow: Sika fɛm dodow a ɛba fam sen biara yɛ Ghana Cedis 1,000 (aprox. $112), na nea ɛduru soro paa yɛ Ghana Cedis 5,000 (aprox. $560).
• Sika Fɛm Bere: Wɔma sika fɛm no wɔ nna 92 kosi nna 180 (bosome abiɛsa kosi nsia) mu.
• Sika a Wɔde Ka Ho (APR): Sika a wɔde ka ho no yɛ ɔha mu nkyɛmu 12 kosi 26 afe biara. Eyi yɛ nea ɛkɔ soro anaa ɛba fam kɛse sen sikakɔntɔn akɛseɛ de, nanso ɛte sɛ deɛ fon so sika fɛm adwumakuw afoforo de ma no.
• Sika a Wɔde Fi Ase (Origination Fee): Wɔtwa sika a wɔde fi ase a ɛyɛ ɔha mu nkyɛmu 5 wɔ sika fɛm no nyinaa mu. Eyi yɛ ade a ɛho hia sɛ wobɛkae, efisɛ ɛma sika a wobɛtua no kɔ soro wɔ sika a wɔde ka ho no akyi.
• Sika a Wɔsan Tua: Wobɛtua sika no nyinaa pɛn wɔ bere a wɔde ama wo no awiei. Nhyehyɛe yi twe nnipa a wɔnnya akatua foforo mmom, na ɛsɛ sɛ wobɛhyehyɛ w'asikasɛm yiye sɛnea ɛbɛyɛ a wobɛtumi atua sika no wɔ bere a ɛsɛ mu.
• Late-payment fee: Wɔnkyerɛɛ sika a wɔtwa sɛ wotua akyi no pefee, nanso ɛsɛ sɛ nnipa a wɔfɛm sika no hu sɛ saa sika yi taa ba fon so sika fɛm adwumakuw ahorow mu.

Nhwɛsoɔ:

• Sɛ wofɛm Ghana Cedis 1,000 wɔ ɔha mu nkyɛmu 12 afe biara wɔ nna 92 mu a:
  • Sika a wɔde ka ho bɛyɛ Ghana Cedis 30.36.
  • Sika a wɔde fi ase bɛyɛ Ghana Cedis 50 (ɔha mu nkyɛmu 5 wɔ GHS 1,000 mu).
  • Sika a wobɛtua nyinaa bɛyɛ Ghana Cedis 1,080.36.
• Sɛ wofɛm Ghana Cedis 5,000 wɔ ɔha mu nkyɛmu 26 afe biara wɔ nna 180 mu a:
  • Sika a wɔde ka ho bɛyɛ Ghana Cedis 639.
  • Sika a wɔde fi ase bɛyɛ Ghana Cedis 250 (ɔha mu nkyɛmu 5 wɔ GHS 5,000 mu).
  • Sika a wobɛtua nyinaa bɛyɛ Ghana Cedis 5,889.

Sɛnea Wofɛm Sika, Fon So Adwuma no ne Mmara Kkwan So Tebea

Sika Fɛm Kwan So ne Nsɛm a Ehia

Sɛ wopɛ sɛ wofɛm sika fi Gh Loans hɔ a, ɛsɛ sɛ wode fon so adwuma no na ɛyɛ adwuma no nyinaa. Wɔwɔ fon so adwuma a ɛwɔ Android so (Google Play: Gh loans-easy online loan), na nnwumafoɔ bi kyerɛ sɛ wɔpɛ sɛ wɔde ba iOS so nso, nanso ɛnnya nnyaa mu. Deɛ ɛho hia paa ne sɛ, ɛsɛ sɛ woyɛ Ghana ɔmanba, woadi mfe 18, na wunya akatua daa.

Sɛ wode w'ani kɔ fon so adwuma no mu a, wobɛma wɔn wo ho nsɛm a ɛho hia. Fon so adwuma a ɛte saa taa de Ghana Card di dwuma de hwehwɛ sɛ woyɛ obi a wofata anaa. Adwumakuw no de fon so intanɛt banbɔ ne "big-data analysis" di dwuma de hwehwɛ sɛ wubetumi atua sika no anaa. Wɔnkyerɛɛ sɛnea saa nhwehwɛmu yi yɛ adwuma no pefee, nanso ɛyɛ kwan a wɔde hwehwɛ nnipa a wɔfɛm sika no ho nsɛm.

Sɛ wɔgye wo sika fɛm so a, wɔde sika no bɛtwa akɔ wo fon so sika kɔntɔn (mobile money account) mu anaa wo sikakɔntɔn mu. Sɛ wode sika no tua akyi a, wɔde fon so adwuma no bɛkae wo, na ebia wɔde mpatafoɔ (third-party collections) bedi asɛm no akyi.

Fon So Adwuma no Dwumadi ahorow ne Sɛnea Nnipa De Di Dwuma

Gh Loans fon so adwuma no wɔ Android so, na nnipa bɛboro 100,000 na wɔayi agu wɔn fon so. Wɔyɛɛ fon so adwuma no foforo wɔ April 24, 2025. Dwumadi ahorow a ɛwɔ mu no bi ne sɛ wobɛtumi afɛm sika tẽẽ wɔ fon so, ahwɛ wo sika fɛm no ho nsɛm, na woakyerɛ sika a wobɛtua. Nnipa pii kamfo ntɛmntɛm a wɔde ma sika no. Nanso, nnipa bi nso kyerɛ sɛ sika a wɔtwa wɔ mfiase ne asotwe a ɛho nsɛm nna adi no yɛ nea ɛyɛ den.

Wɔnni wɛbsait (website) a wɔde dwumadi yi akyi. Wɔn fon so adwuma no na ɛyɛ wɔn kwan titiriw a wɔde ne nnipa di nkitaho. Wɔde nkitahodiɛ kwan bi ma nnipa a wɔde di dwuma, a ɛyɛ email:

[email protected]

+233 0538437960

Mmara Kkwan So Tebea ne Nea Ɛho Hia

Sɛnea yɛadi kan aka no, Gh Loans nni din wɔ Bank of Ghana sika fɛm adwumakuw a wɔama wɔn kwan no mu. Eyi yɛ ade a ɛsɛ sɛ obiara a ɔpɛ sɛ ɔne wɔn yɛ adwuma no hwehwɛ mu yiye. Adwumakuw a ɛwɔ mmarakwan so kwan no yɛ nea ɛsom bo yiye, efisɛ ɛma nnipa a wɔde wɔn ho to wɔn so no nya banbɔ. Sɛ adwumakuw bi nni mmarakwan so kwan a ɛfata a, ebia wonni nhyehyɛe pa a ɛbɛma nnipa a wɔde di dwuma ho banbɔ akɔ so.

Nanso, ɛsɛ sɛ yɛkae sɛ fon so sika fɛm adwumakuw bi tumi yɛ adwuma wɔ "informal mobile money lending exemption" ase. Nanso, Gh Loans ho nsɛm a ɛfa eyi ho nna adi pefee. Wɔnkyerɛɛ mmara biara a wɔafa wɔn so anaa asotwe biara a wɔde ama wɔn wɔ baguafoɔ anim.

Ɛwom sɛ wɔnkyerɛɛ nhyehyɛe biara a ɛfa nnipa a wɔde wɔn ho to wɔn so ho banbɔ ho pefee de, nanso fon so adwuma no ma nnipa kwan sɛ wɔbɛtumi apaw sɛ wɔde wɔn sikakɔntɔn bɛto hɔ na wɔayi wɔn ho nsɛm afi adwumakuw no nkyɛn.

Sɛnea Gh Loans Te wɔ Nnwumayɛfoɔ Foforo Mu ne Afotu pa ma Wɔn a Wɔpɛ Sɛ Wofɛm Sika

Akansifoɔ ne Sɛnea Gh Loans Yɛ Ne Ho Foforo

Gh Loans ne fon so sika fɛm adwumakuw afoforo te sɛ Fido, CreditWell, ne afoforo pii na ɛsi akan wɔ Ghana. Saa adwumakuw yi taa de sika fɛm a ɛkɔ fi Ghana Cedis 300 kosi 8,000 ma, wɔ nna 91 kosi 365 mu, na wɔde sika a wɔde ka ho a ɛkɔ fi ɔha mu nkyɛmu 15 kosi 30 afe biara ma.

Gh Loans de ne ho yɛ foforo wɔ nsɛm bi mu:

• Wɔn sika a wɔde fi ase (origination fee) yɛ ɔha mu nkyɛmu 5, a ɛyɛ nea ɛkɔ soro kakra.
• Wɔn sika fɛm bere yɛ tiaa koraa, nna 92 kosi 180 pɛ.
• Nanso, wɔn sika a wɔde ka ho (APR) a ɛba fam sen biara no yɛ ɔha mu nkyɛmu 12, a ɛba fam sen adwumakuw afoforo bi de.

Afotu pa ma Wɔn a Wɔpɛ Sɛ Wofɛm Sika

Ansa na wobɛfɛm sika afi Gh Loans anaa fon so sika fɛm adwumakuw foforo biara hɔ no, ɛho hia sɛ wobɛyɛ nhwehwɛmu yiye na wode w'ani asi nneɛma atitiriw bi so:

1. Hwehwɛ Mmara Kkwan So Tebea Mu: Hwehwɛ sɛ adwumakuw no wɔ Bank of Ghana anaa nnwumakuw foforo a ɛhwɛ sika fɛm adwuma so no kwan anaa. Mmara kwan so kwan yɛ banbɔ ma wo.
2. Kenkan Nsɛm a Wɔde Ama no Yiye: Hu sika a wɔde ka ho (interest rates), sika a wɔde fi ase (origination fees), ne asotwe biara a ɛbɛba sɛ wotua akyi a. Sika fɛm no ho nsɛm nyinaa yɛ nea ɛsɛ sɛ wote ase yiye.
3. Hwɛ wo Tumi a Wubetumi Atua Sika: Hwehwɛ wo sikasɛm mu yiye ansa na woafɛm sika. Fon so sika fɛm taa nya sika a wɔde ka ho kɛse, na sɛ wontumi ntua akyi wɔ bere a ɛsɛ mu a, ɛbɛma w'asikasɛm asɛe.
4. Bu Akansifoɔ ho Akontaa: Fa Gh Loans toto fon so sika fɛm adwumakuw afoforo ho. Hwɛ nea wɔde ma, sika a wɔde ka ho, ne nsɛm afoforo a ɛho hia.
5. Hwɛ Nnipa a Wɔde Di Dwuma Asɛm: Kenkan nnipa a wɔde di dwuma nsɛm wɔ Google Play Store anaa baabi foforo. Nsɛm a ɛte saa bɛma woahu adwumakuw no ho nsɛm pii.
6. Hwehwɛ Wo Ho Nsɛm Banbɔ: Hwɛ adwumakuw no nhyehyɛe a ɛfa wo ho nsɛm banbɔ ho yiye. Hu sɛnea wɔde wo ho nsɛm di dwuma.

Wɔ Ghana sikasɛm mu a fon so sika fɛm adwuma reyɛ kɛse yi, Gh Loans yɛ kwan biako pɛ a nnipa pii betumi afa so anya sika fɛm. Nanso, ɛho hia sɛ obiara a ɔpɛ sɛ ɔne wɔn yɛ adwuma no yɛ nhwehwɛmu yiye, na ɔhwɛ ne ho nsɛm a ɛho hia no nyinaa ansa na ɔde ne ho ahyɛ mu.