Digital-first
Mobile Money Microloan
A fast digital route for eligible small-value borrowing.
A proposed digital-first microloan product designed around verified mobile identity, affordability and approved mobile-money disbursement and repayment channels.
At a glance
AssessmentAffordability-led
CurrencyGHS
ApplicationDigital-first
Final approval, pricing and facility terms remain subject to SikaWise policy and individual assessment.
Designed for eligible customers with a genuine borrowing need.
- Digitally active customers
- Eligible borrowers with verifiable mobile-money usage
- Customers seeking smaller-value short-term facilities
Clear features, responsible assessment.
- Mobile-first application journey
- Digital KYC and consent workflow
- Automated affordability and policy checks
- Approved mobile-money disbursement route
- Real-time status updates in the customer portal
What you may need to provide.
- Verified mobile number
- Valid approved identification
- Successful KYC and fraud checks
- Acceptable repayment capacity
- Approved payment destination in the applicant's name where required
A simple digital journey.
- 01
Sign up using a verified mobile number
- 02
Complete identity and consent checks
- 03
Enter income, expenses and existing debt information
- 04
Select amount and tenor within approved limits
- 05
Accept the offer if approved
We stay connected through the loan journey.
Final limits, pricing and tenor should be configured through the Board-approved digital credit policy before launch.