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Non-Executive Directors


Abedi Pele Ayew

Non-Executive Director

Abedi is a renowned businessman, a member of both CAF and FIFA’s Football Committees and Player Status Committees. He was the spokesperson for South African 2006 World Cup bid and LOC member of the successful staging of the 2010 FIFA World Cup in South Africa.

Amongst his numerous rewards, he was the winner of the African Footballer of the Year in 1991, 1992 and 1993 as well as FIFA World Player of the Year in 1992. Abedi has business interests in Real Estate and owns residential and commercial properties in Accra and France. He also owns a Lottery Company in Ghana, and is a major shareholder in the La Palm Royal Beach Casino in Accra.


Lance Graham Cleaver

Executive Director

With 20 years’ senior management experience in the formal retail and micro lending industries, Lance is one of the most experienced people in South Africa when it comes to this sector. His main contribution entails the development of business models to transact successfully in the unsecured lending markets.

Lance held a senior position in Altfin, which was a pioneer in the South African micro-finance industry in the early ‘90s. He then joined African Bank in a senior capacity and was a member of the executive and credit committees responsible for over ZAR6 billion of their annual turnover. In 2004, he left African Bank to found Izwe; Lance is the current Managing Director focusing on growth within African and owns a significant share in Izwe.


David Fichardt

Executive Director

Dave previously worked for Ernst & Young in South Africa and the Netherlands where he managed the audits of four large listed companies including Edcon, Tiger Brands, Hitachi & The Coca-Cola Company. Dave joined Izwe in 2008 as Group Financial Manager and during 2011 he moved to Accra, Ghana in an executive capacity directing the Group’s non-South African operations. He is now Chief Operating Officer of the Group based in Johannesburg, South Africa and he is an active member on the Board of Directors within each country.


Samuel Yeboah

Non-Executive Director

Samuel Yeboah was the local representative of Izwe before joining the company in March, 2011.

He previously worked as a Business Development & Corporate Relations Manager at Mon-Tran Ghana Limited. Before joining Mon-Tran, he worked as a consultant for local and foreign entrepreneurs and businesses on starting-up new businesses in Ghana, and he was the local (Ghana) representative of Thermonic Electric (Canada) and Chamotors (USA).

He supervised business restructuring projects for Alphayeb Electricals and Diamond-Mars Services Company Limited. Samuel Yeboah holds an MBA from Liverpool John Moores University, UK.


Angela Gyasi

Non-Executive Director

Angela is a Partner of the law firm of Bentsi-Enchill, Letsa & Ankomah and heads the Pensions, Employment & Immigration Practice Group of the firm.

Angela was called to the Ghana Bar in 2001 and has over 15 years’ experience in legal practice. She is experienced in corporate law and is described in the 2013 edition of International Financial Law Review (IFLR) as a “Rising Star”.

Currently, she specialises in employment, pensions and immigration law.  Angela has broad experience in employment issues arising from corporate transactions, day to day advice on general employment issues and has worked on several high-value transactions.

Executive Directors


Raymond K. Bismark

Managing Director – Izwe Loans Ghana

With his extensive experience in providing banking services to SMEs, Raymond joined the Issuer as its Managing Director in September 2013. Raymond started his career with ProCredit Savings and Loans Company Limited, the Ghanaian subsidiary of ProCredit Group based in Frankfurt, Germany.

He spent most of his working career developing products and services tailored to the banking needs of small businesses and private individuals in the Ghanaian microfinance industry. He has 11 years’ experience in the Ghanaian banking sector with expertise in the areas of institution building, business development and designing savings schemes for SMEs and individuals.

He became a senior manager of ProCredit in 2007 and was part of the senior management team that grew the business to the asset size of GHS135 Million.

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