About SignEX Capital Solutions

Overview

Governance

Business Model

Client Complaint Procedure

Our Story

SignEX Capital Solutions & Money Lending is a Tier 4 micro-credit institution headquartered in Nungua Estates, GZ-046-4521, Accra, Ghana. We are licensed under Ghana's Moneylenders Act and operate in full compliance with Bank of Ghana regulations.

Founded on the principle of "Boafo Ye Na", SignEX was established to close the critical credit gap that excludes low-income salary earners and women-led micro-enterprises from formal financial services.

We are not simply a lender. We are building a phased financial inclusion ecosystem: beginning with short-term credit to build trust, progressing to solidarity group lending for women, and ultimately establishing savings-linked products and a pathway to Microfinance Institution (MFI) status.

March 2026

Founded

60%+

Women Clients

24hr

Disbursement

Core Values

What We Stand For

Community Centricity

Boafo Ye Na — relationship-based lending rooted in genuine community investment.

Women-First

We prioritise women-led enterprises, recognising the multiplier effect on families and communities.

Full Transparency

All fees disclosed before disbursement. No hidden charges. No surprise deductions. Ever.

Financial Literacy

Education built into onboarding — we equip clients to borrow responsibly and save consistently.

Governance

Our Governance Framework

SignEX Capital Solutions is committed to the highest standards of corporate governance, regulatory compliance, and ethical conduct in all our operations.

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Regulatory Compliance

Licensed under Ghana's Moneylenders Act. Full compliance with Bank of Ghana Tier 4 guidelines and Consumer Protection Framework.

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Data Protection

Client data stored securely in Firebase cloud with role-based access. Compliant with Ghana's Data Protection Act (Act 843).

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AML/CFT Compliance

Annual AML/CFT training for all staff. 100% digital disbursement ensures full audit trail for every transaction.

Capital Protection Policy

No single borrower may hold more than 20% of the active portfolio. All loans above GH₵ 3,000 require CEO personal approval. Total portfolio reviewed weekly against capital base. 5% default provision maintained at all times.

How We Work

SignEX Capital Group Lending

SignEX Capital Group Lending empowers Ghanaian market women, traders, and small business owners through community-based solidarity group loans. We bring affordable credit directly to the people who drive local economies — no collateral required, no bank visits needed. Our group lending model builds trust, accountability, and financial growth from the ground up.

Phase 1

Market Penetration

Deploy initial capital across individual salary and SME loans. Build verified client base. Achieve <5% default rate. Establish digital infrastructure.

Months 1–18

Phase 2

Savings Transition

Launch Secure-Save account. Grow solidarity group programme. Hire Loan Officer and Finance Officer. Submit first donor grant application.

Months 18–36

Phase 3

Licensing & Expansion

Apply for Bank of Ghana Tier 3 MFI licence. Expand solidarity groups across Greater Accra. Pursue institutional capital partnerships.

Year 3+

Group Lending Model

SignEX adapts the globally proven solidarity group lending model — pioneered by Grameen Bank and deployed successfully across Africa by Sinapi Aba Trust and Opportunity International Ghana.

Groups of 4–6 women form a peer-guarantee collective. Social accountability within the group dramatically reduces default rates compared to individual SME lending — making it possible to extend credit to women who cannot provide traditional collateral.

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Lower default rates through social accountability

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Credit access for women without traditional collateral

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Loan graduation — members unlock bigger loans each cycle

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Built-in financial literacy through weekly group meetings

Client Protection

Client Complaint Procedure

SignEX is committed to resolving all client concerns professionally and promptly. Every client has the right to raise a complaint without fear of penalty or negative treatment.

Call 0201 147 833 or email info@signexgh.com to report your complaint. Describe the issue clearly and provide your loan reference number if applicable. We acknowledge all complaints within 24 hours.

Complaint Investigation

The CEO personally reviews every complaint. We investigate thoroughly, contact all relevant parties, and aim to resolve most complaints within 5 business days.

Resolution & Response

We provide a written resolution explaining what was found and what action was taken. If you are not satisfied, you may request escalation to our Board.

Regulatory Escalation

If your complaint is not resolved to your satisfaction after exhausting our internal process, you may contact the Bank of Ghana Consumer Complaints Office at +233 302 666-174 or bog@bog.gov.gh.

Our Commitment to You

SignEX will never use coercive or abusive debt collection methods. All collections are conducted professionally via SMS, phone call, or personal meeting. You will always be treated with dignity and respect.