Remember when hard work and perseverance went a long way towards getting ahead? Today, despite working overtime, countless diligent Ghanaians are struggling to make ends meet.

Fostering entrepreneurship in low-income communities is a proven path to prosperity. Access to even relatively small loans helps people make lasting changes in their own lives and in the communities they serve. But capital from traditional financial institutions is not always available. Many small business loans are denied every day.

In many cases, their commercial ventures are profitable. Business plans are solid. They work long hours and employ others in the community. All that’s needed to achieve the dream of financial stability is access to the capital they need to sustain or grow their small business.

That’s where Selvan And Salia Microcredit comes in. We provide loans to low- and moderate-Salary income workers, traders ,small groups and underserved small business owners. We’ve seen firsthand the ripple effect of such loans. Businesses grow, jobs are added, healthier communities and families thrive.