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Ghana > Sinapi Aba Trust (SAT)

Sinapi Aba Trust (SAT) is a private, Christian and non-profit Non-Governmental Organization (NGO) which was established to support the poorest of the economically active poor to enhance their lives through microfinance and basic business training. SAT’s mission is to serve as a Mustard Seed through which opportunities for enterprise development and income generation are given to the economically disadvantaged in society. Since its establishment, SAT has accumulated tremendous experience and has distinguished itself as one of the best institutions in the industry. After fourteen years of microfinance services, the operations of the Trust now covers 24 Branches in 10 regions of Ghana with over 60,000 clients being served. OBJECTIVES: To enable SAT to achieve its noble mission, the following key objectives have been established: > To provide financial services or credit needs to small and micro business ventures; > To contribute positively to poverty alleviation through micro-enterprise stimulation and job creation for increased income among the poor; > To fill the vacuum created by the formal sector commercial banks and finance companies in administering credit and financial services to small and micro enterprise. > To provide business management training to micro-entrepreneurs to enhance their gradual growth from the micro level to the macro level. AREAS OF EXPERTISE: These come under five (5) main areas: 1) Microfinance-related subjects - best practices for loan appraisal, credit management, monitoring, delinquency management, calculation and use of financial indicators, corporate governance. 2) Impact assessment and monitoring, client satisfaction surveys, institutional evaluation of micro finance and micro-enterprise institutions. 3) Market research into what enterprises need and want in terms of products and services 4) Advisory services and best practices in key operational and management issues such as client retention, loan appraisal, credit and delinquency management, internal controls, best banking practices, investment and finance, accounting and management etc. 5) Product development and refinement e.g. loans and savings products, micro-leasing etc. Consequently, the institution has added on other areas of development into its operations. These include: - Business transformational training programme: small and micro entrepreneurs are trained in basic business management covering such areas as accounting, marketing, finance, among others. - HIV/AIDS and reproductive health: awareness creation and counseling services - Youth apprenticeship programme: to reduce incidence and spread of STIs / HIV/AIDS and unemployment among the youth by providing them with employable skills. - Community development: community leadership, resource mobilization, project planning and implementation techniques, team building, conflict resource, etc.

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