On behalf of the Board of Directors, Management and the entire Staff of CIDAN CAPITAL MICROFINANCE LTD., I welcome you to our website and wish you a pleasant experience as you browse our fascinating and stimulating website.

ROLE AND MANAGERIAL PHILOSOPHY
As the Chief Executive Officer of CIDAN CAPITAL MICROFINANCE LTD., I am in charge of the day to day running of the company and responsible for implementing all the strategic decisions of the Board of Directors. These include establishing the right policies, procedures, controls and information systems to support the company.

My managerial philosophy revolves around: respect for all staff; professional and ethical behavior, team work and excellence.

ORGANIZATION, BOARD & MANAGEMENT
We have an active, informed, independent and experienced 7-Member Board of Directors who ensure that we maintain our integrity, transparency and long term strength in the savings, loans and investment market. To this end, our Board oversees the implementation of all approved strategies geared toward enhancing the long term interests of all our stakeholders.

CIDAN CAPITAL MICROFINANCE LTD. is organized around the following departments: Credit Operations, Savings & Investments; Monitoring & Recoveries; Human Resource and Administration; Accounts and Finance; Information Technology; Internal Audit and Compliance Department; and Marketing & Business Development. All the departments are headed by qualified and experienced Managers who form the management team.

EMPLOYEES
At CIDAN CAPITAL MICROFINANCE LTD., our greatest strength and valuable assets are our workforce which comprise of a team of competent individuals with the right academic backgrounds and professional skill-mix. We ensure safety, respect for one another, teamwork, communication, creativity, excellence and integrity. These attributes make us very responsive to our customers.


PRODUCTS AND SERVICES
• Savings & Susu Schemes - The CIDAN Savings and Susu Schemes are aimed at mobilizing deposits rapidly and ensuring that monies in circulation are brought into the banking or formal financial sector for productive purposes. The target market is basically business owners operating within the small and medium sized enterprises.

• Loans - CIDAN grants loans to various sectors of the economy. These are categorized into: SME/Corporate Loans; Group Loans to Women (GLW); Loans to Educational Institutions; Loans to Private Sector Individuals; Loans to Government Employees; and Vehicle Loans.

• Fixed Deposits - Fixed Deposits at CIDAN have a minimum tenure of 3 months or 91 days with specific initial amounts of investments. The interest earned on the investment is usually benchmarked to the Bank of Ghana Treasury Bill rates plus negotiable risk premiums.

CUSTOMER CARE
We believe that our customers deserve high quality service. The Company continues to invest in staff training to ensure that the customer gets nothing short of the best service. We strive to put the customer in the middle of all our activities to ensure customer satisfaction, optimal return and service excellence. We also maintain high ethical standards in all our customer relationships and uphold our core value by fulfilling our commitments and acting with integrity.

SOCIAL RESPONSIBILITY
We are also responsible to the community in which we operate and strive to be good corporate citizens. We support good works and charities and encourage civic improvements, better health and education.

As you continue to browse our website, our desire is that you become one of our august clients by patronizing our products and services.

THANK YOU FOR BROWSING OUR WEBSITE AND MAY THE GOOD LORD BLESS US ALL!!


Dr. Raziel Obeng-Okon
(Chief Executive Officer)