Committed to Your Financial Needs
Empowering individuals, businesses and entrepreneurs with innovative savings and loan solutions tailored to help you achieve your financial goals.
Why Shield
Built on Trust. Driven by You.
Eight reasons thousands of Ghanaians choose Shield as their financial partner.
Licensed by Bank of Ghana
24-Hour Loan Processing
Competitive Interest Rates
Deposits Insured (GDPC)
Mobile Banking Services
Friendly Customer Service
Trusted Financial Partner
Flexible Repayment Options
Since 2012
Incorporated 28 June 2012
Who We Are
A Ghanaian Institution You Can Trust.
Shield Microfinance Limited is a fully Ghanaian-owned microfinance institution licensed by the Bank of Ghana and incorporated on 28th June 2012. We deliver innovative financial solutions tailored to individuals, SMEs and groups.
As an active member of the Ghana Deposit Protection Corporation (GDPC) and the Ghana Association of Microfinance Companies (GAMC), we provide reliable, ethical and sustainable financial services that empower clients toward financial independence.
Our Vision
To become the household name in world-class microfinance and financial services.
Our Mission
To create economic independence for micro-entrepreneurs and low-income earners through sustainable credit and financial services.
Core Values
What We Stand For
Integrity
Honest, ethical dealings in every transaction.
Accountability
We own our promises and our results.
Teamwork
Together, we build lasting value for clients.
Going the Extra Mile
Service that surprises and delights.
Savings Products
Save with Purpose
SMF Savings Account
Flexible savings for school fees, rent, medical bills, business growth and more.
Learn moreLoan Products
Loans Tailored to You
SMF Payroll Loan
For Ghana Government workers paid through Controller & Accountant General's Department.
SMF Pay Loan
For private organisation employees with employer source deductions.
SMF Personal Loan
Short-term loans for salaried workers with flexible repayment.
SMF Quick Loan
Working capital for SMEs, traders, importers and merchants.
SMF Nkosuo Loan
Exclusive loans for Susu and Savings account holders.
How It Works
Get a Loan in 4 Simple Steps
Submit Application
Complete the simple online or branch form.
Document Verification
We review your supporting documents.
Loan Approval
Fast decision — typically within 24 hours.
Receive Funds
Money disbursed directly to your account.
Open an Account
What You'll Need
Minimum opening balance: GHS 10
- 1Complete Account Opening Form
- 2Provide National ID
- 3Passport Photograph
- 4Initial Deposit (GHS 10 minimum)
Testimonials
Voices of Our Clients
"The Quick Loan let me restock my shop in time for the festive season. Approval was incredibly fast."
"My Payroll Loan was approved within 24 hours. Repayments are seamless through salary deduction."
"I love my SMF Susu — the mobile banker visits weekly and I'm saving consistently for the first time."
Ready to Achieve Your Financial Goals?
Talk to a Shield banker today, or start your application online. Approval in 24 hours.