Choosing the right partner to prepare for your financial future is an important decision.

We’re here to walk with you every step of the way – today, tomorrow and in the years to come. Since our launch in 2011, thousands of individuals have turned to us for financial help and we’ve always kept our promises to make their dreams come true.

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About Izwe

Izwe means ‘nation’. It is the essence of what we stand for: uplifting people for the greater good of their country. Our core mandate is to simultaneously improve lives and deliver social upliftment in Ghana while generating solid financial returns through innovative financial solutions and services. We strive to unlock potential by fuelling developmental aspirations in Ghana, aimed at real community and economic development.

Our financial solutions and savings & loans products help make it easy for individuals, entrepreneurs and business-owners to take their financial developmental aspirations into their own hands, thereby stimulating personal financial growth and enabling economic participation.

We use innovative ideas, and digital and mobile financial services to give them the agility to operate faster and more efficiently, with easily accessible, high-performance self-service tools. Speed, convenient accessibility, safety, fairness and accuracy are paramount to our clients, and they can always be assured of our discretion and professionalism.

For our investors and stakeholders, we are able to generate superior returns through effective credit management, comprehensive portfolio reporting and product innovation.

Izwe Africa Group has strong operating entities in Ghana, Kenya and Zambia, supported by South Africa and our head office in Mauritius. We have a solid reach and are perfectly positioned for growth and expansion on all frontiers. For more click here.

A positive impact through responsible lending

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Izwe has an embedded culture of compliance to enable sustainable value for all stakeholders. Our activities are guided by a governance framework of ethics, codes of conduct, policies and commitment to legal compliance.

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Izwe’s Code of Conduct affirms our commitment to maintaining high ethical standards and employee responsibility to enhance our company reputation. The Code clarifies what we stand for, sets high expectations in achieving them, and illustrates our valuesacross the organisation.

Making a difference with our CSI

Public Sector Tertiary Education Scholarship

The Izwe Loans Public Sector Tertiary Education Scholarship Fund was launched in Ghana in 2012. Approximately USD500,000 is accrued on an annual basis.

The fund provides an opportunity for selected brilliant but financially needy children of public sector workers, to undertake a full time undergraduate or equivalent tertiary education program of their choice at a public institution. Click here to read more.

Izwe Savings & Loans Ghana PLC shareholding comprises of African Micro-Finance Equities (AMFE), Abedi Pele Ayew and Raymond Bismarck.

Izwe Savings & Loans Board of Directors

Lance Cleaver

Group Founder and Chairman of the Board

Lance has over 25 years’ experience in the formal retail and microlending industries and is well respected in the non-banking financial services industry.

He held a senior position in Altfin, an early pioneer in South Africa microfinance during the early 1990s.

Lance joined African Bank in an executive capacity and was a member of the executive and credit committee responsible for over USD800-million in annual turnover.

He supervised the insurance and credit products distribution through over 400 stores in South Africa for African Bank.

Lance established Izwe in 2004.

Samuel Yeboah

Non-Executive Director

Samuel was involved in setting up Izwe in Ghana in 2010 and officially joined the company in 2011.

He previously worked as a business development and corporate relations manager at Mon-Tran Ghana Limited, and as the local representative of Thermonic Electric (Canada). Samuel holds an MBA from Liverpool John Moores University, UK.

Angela Gyasi

Non-Executive Director

Angela is a partner at Bentsi-Enchill, Letsa & Ankomah law firm, heading the Pensions, Employment & Immigration Practice Group.

Angela was called to the Ghana Bar in 2001 and has over 15 years’ experience in legal practice.

Currently she specialises in employment, pensions and immigration law, with broad experience in employment issues arising from corporate transactions, providing day-to-day advice on general employment issues and working on high-value transactions

Carole Ramella

Independent Non-Executive Director

Madam Ramella is a fundraising advisor and currently the Managing Director of GFA Consulting Limited.

She is a finance graduate from Reims Management School (France) and has an MBA from INSEAD.

She has vast global experience in finance, accounting and corporate governance and has served on a number of boards, key among them being GFA Consulting, Nexto Pharmaceuticals and the IFC EXCEED Program.

She is also a Foreign Trade Advisor for the French Government and sits on the Investment Committee of an international private equity fund.

Mabel Nana Nyarkoa Porbley

Non-Executive Director

Madam Porbley is a chartered insurer from CII – UK, who has several years of experience in the insurance and finance space and is currently the managing director of Saham Insurance Ghana, a member of the Sanlam Group in South Africa.

She has a master’s degree in business administration from GIMPA

She serves on a number of boards, key among them Ecowas Brown Card Insurance Scheme and the Ghana Insurance Association.

She has been in leadership positions for 18 years of her 22-year career.

Raymond Bismarck

Managing Director

Raymond started his career at a large Ghanaian Savings and Loans Company, where he focused on developing products and services tailored to the banking needs of small businesses and private individuals.

He has 19 years of experience in the Ghanaian banking sector with expertise in institution building, business development and the design of savings schemes for SMEs and individuals.

Raymond joined Izwe as managing director in 2013.


Izwe South Africa is started.

Izwe expands, opening its first office and branches outside of South Africa.

Izwe is launched in Ghana.

Izwe lists debt on the Ghana Stock Exchange.

Izwe extends its offerings beyond loans and launches iVest – its first savings and deposit solution.
The Izwe call centre is opened.

Izwe is awarded CIMG Finance House of the Year.

Our trading name becomes Izwe Savings & Loans – providing savings and loan investments to individuals and SMEs.
Izwe launches its business loan solution (asset-backed finance).

Izwe introduces a secure, user-friendly mobile app.

Izwe’s Social Rating during COVID-19 confirmed at BB-.
Ghana receives funding support from the Regional Education Finance Fund for Africa, via BlueOrchard.
Ghana establishes a new GHS150 million Listed Note Programme.
Izwe expands its digital strategy, adding a suite of new digital innovations across the Group.

Since we began, Izwe has changed thousands of lives.

Most of this has been through helping people to…

All data is as at 30 June 2021 (unaudited).