What We Do
Lines of Credit (LoCs)
Working Capital and Term Loans to licensed partner financial institutions (PFIs) that are rural-based or demonstrate significant rural outreach
Purpose
Provide liquidity to PFIs for on-lending to MSMEs in agriculture and renewable energy — addressing limited rural access to finance.
Eligible Clients
- Rural and Community Banks (RCBs)
- Microfinance Institutions (MFIs)
- Savings and Loans Companies (S&Ls)
- Other PFIs with strong rural outreach
Target Beneficiaries
MSMEs in agriculture and renewable energy — especially women- and youth-led businesses
Focus: poverty reduction, inclusion, income growth, climate resilience, and decent work
Eligibility Criteria
- Minimum 5 years of operation
- Licensed by Bank of Ghana & compliant with capital/CAR
- ≥ 5% portfolio in agribusiness or renewable energy
- Positive financial performance
- Sound asset quality (NPL < 15%)
Key Features
- Loan Amount: GHS 500,000 – 10,000,000
- Tenor: 1–3 years
- Interest Rate: Competitive, risk-adjusted
- Fees: 0.5% + GHS 12,000
- Security: Up to 100% liquid investment (e.g., 91-day GoG T-Bills)
- Repayment: Monthly or Quarterly
- Moratorium: 3 months / 1 quarter
- Incentives: Preferential pricing for >50% women beneficiaries & repeat clients
Expected Outcomes
- Increased agriculture & renewable energy lending
- Greater gender and youth inclusion
- Employment and income growth in MSMEs
- Stronger ESG integration by PFIs
Timeline & Reporting
Review: Quarterly by RDF committees
Reporting: Baseline data + quarterly reports + annual field visits
Contact Us
RDF Ghana LBG — Investment Team
C141/14B Dzorwulu Crescent, Accra
Email: info@rdfghana.com
