Kumasi (Head Office) Bank Branch 22A Ellis Avenue Nhyiaeso, Near Capital Radio. P. O. Box 4911 Kumasi - Ghana 233 3220 - 27150/30112 233 3220 32483
Abuakwa Agency Opposite Abuakwa Baptist Seminary Nkawie Road-Ashanti Region 233 3220 53168  
Achimota Bank Branch Achimota Nsawaw Road, Opp. A.D.B or next to Salinesta Supermarket. 233 302-404607/404610 0302-404610
Adum Bank Branch P. O. Box 4911 Kumasi - Ghana, OTB 104 Opp. Sanbra Hotel, Adum-Ksi 233 3220 83677 233 3220 83677
Aflao Agency Opposite UBA at Aflao Border 233 201852182/362531084 233 362531084
Agona Swedru Bank Branch C/O P. O. Box AD 427, Hno. 86/8 Mandela Road, near Mandela Market   233 3320 21837/20222 233 41 21837
Akim Oda Bank Branch Near Akim Oda Roundabout 233 3439 22048 233 3439 22048
Asamankese Agency A 260 Akroso Street, Zongo Junction, Asamankese 233 20 9089261 -
Asikuma Agency First Traffic Light Adjacent the Police Station on the Ajumako Rd. MTN Building 233 2018 52166 -
Atebubu Agency C/P.O Box 4911, Kumasi, Opposite GPRTU Lorry Park Atebubu, BA 233 20 1718932 -
Axim Agency Hospital Junction within My Brother's Shop, First floor Axim 233 3121 22328 233 3121 22328
Berekum Agency Behind Berekum Corination Park and Opposite Nyansaye curve 233 3522 22082 233 3522 22082
Bibiani Agency Bibiani Estate, Opp. Prime Choice Restaurant 223 3120 95218 233 3120 95218
Bole Agency Opposite John Mahama's Father's House 233 3220 92294 233 3220 22090
Bolgatanga Agency P O Box 704 Plt 40 Blk D Commercial Street Bolga Upper East Region 233 3820 24250 233 3820 24250
Cape Coast Agency P O Box AD 427 Opp. Former GNTC Building, Same Building as MTN- Cape Coast 233 3321 34681 233 3321 34681
Dormaa Agency Opposite Tuesday Market Dormaa.- 233 3523 22372 233 3523 28694
Dunkwa on Offin Agency Soro BOT Stores Building Dunkwa 233 3322 28141 233 3322 28141
Ellis Avenue(SME) Bank Branch 22A Ellis Avenue Nhyiaeso, Near Capital Radio. P. O. Box 4911 Kumasi - Ghana 233 3220 - 27150/30112 233 3220 32483
Goaso Bank Branch C/P O Box 2322 Sunyani, F 27 Opp.The Market, Goaso Brong Ahafo Region 233 3520 94125 233 3520 28694
Ho Agency P O Box 1237 Ho, Batanix Junction Within Old Asare's Office, Ola 8 Central Market 233 3620 28526/28082 233 3620 28082
Hohoe Agency Behind Barclays Bank - Agordome 233 3620 28526 / 28082 233 3620 28082
Jirapa Agency Opposite Jirapa District Assembly 233 3920 92274 233 3920 20186
Kade Agency Guggisberg, Health Insurance Junction Opp Kade Cemetary 233 3220 92308 233 3220 22048
Kasoa Agency Private Mail Bag, Accra, Near The Traffic Light, Opp GCB, Kasoa 233 302 861664/861665 233 302 861665
Koforidua Bank Branch P O Box KF 1940 Koforidua  opp. SSNIT, same Building with Expresso 233 3420 22469 233 3420 22469
Konongo Agency Opposite Star Oil Filling Station, Akrantie Besa, Konongo 233 3221 25887 233 3221 25887
Kumasi Central Bank Branch P. O. Box 4911 Kumasi - Ghana Jakwapo Building-Kumasi 233 3220 83678/79 233 3220 32483
Mataheko Bank Branch Close to Central University Annex or Maajah House 233 20 1852131  
Mampong Bank Branch C/O P. O. Box 4911 Kumasi. ZN 104, near Mampong Lorry Station. 233 3222 22786 233 3222 22786
Mankessim Bank Branch C/O P O Box AD 427 Cape Coast, Opp. A.D.B, near Mankessim  Lorry Station. 233 3321 92021 233 3321 31520 
Nkawkaw Agency 2nd Floor Apiani building, Adj. Ghana Commercial Bank Nkawkaw 233 3431 22472 233 3431 22472
Obuasi Bank Branch C/O P. O. Box 4911. No.15 BLK A, Bogobiri West, Stadium Junction 233 3225 41776 233 3225 41776
Offinso Agency P.O Box 298 Offinso.Plt 6 Offinso New Town, Adj Ghana Commercial Bank 233 3220 91684 233 3220 32483
Old Tafo Bank Branch Tafo Mile 4, Same building with MTN. 233 20 8910902  
Salaga Agency Alhaji Bachebache Storey Building near the filling station 233 24 3655302 233 3720 25655
Sefwi Bekwai Agency Sefwi Bekwai Market - GPRTU Building 233 3220 92295 233 3220 32486
Sefwi Wiawso Agency First Floor, ADB Building Sefwi Wiawso 233 3220 92295 233 3220 32486
Somanya Agency Presby Junction Somanya 233 20 7382955 233 3420 22469
Suhum Bank Branch Behind Suhum District Court 233 3425 22171 233 3425 22171
Sunyani Bank Branch P.O. Box 2322 Sunyani. Opp. Sunyani Sports Stadium 233 3520 23802/28694 233 3520 -28694
Takoradi Bank Branch P.O. Box MC 3171 Mankessim White House (Ground Floor), Adjacent STC 233 3120 20962 / 32531 233 3120 20962
Tamale Bank Branch P O Box 1582 Tamale. Hospital Road, opp. Hamdallah Hotel. Plt No. 508 Ward L 233 3720 25655 233 3720 25655
Tarkwa Bank Branch  C/O P O Box MC 3171. Plt 27 old Town Residential Area, Opp. St. Mathew Catholic Church 233 3123 21045/21042 233 3123 21042
Techiman Agency  C/O P O Box 2322. B290/4 Ahenfie, Adjacent to Cash and Carry supper mkt, Techiman 233 3525 22348 233 3525 28694
Tema Bank Branch Box CO 1408 COM. 1. 1/J - 5 Community 1, next to Danny's Bridal 233 303 305388/305387 233 303 305388
Wa Agency P O Box 395 Wa TN 36 Nkwanta -Wa 233 3820 20186  
Walewale Agency Alhaji Labaran Building. Opp. New Market Tamale Road. 233 3820 522060 233 3820 522060


SASL Savings products

1.      Flexi (Nkosuo) Savings Account

Sinapi Fleolxi Savings Account is the only distinctive account which has the most affordable opening balance and allow clients to withdraw at zero (0) cost. This account gives opportunities for individuals, groups and corporate institutions to save for a better tomorrow. It is accessible nationwide in any of SASL branches due to its networked systems. Client’s accounts are monitored jointly by both the client and SASL staff.


2.      Premium (Sie Sika) Investment Account

This is an individual account with the most attractive interest rates in the market and flexible withdrawal terms. The account allows investors, individuals and well constituted bodies to invest their earnings profitably. The account is open to Ghanaians and non-Ghanaians who operate businesses, Micro-entrepreneurs and Business owners.


3.      Current Account

Sinapi Current Account is a demand deposit account for individuals, business entrepreneurs and businesses to save and withdraw cash anytime without notice. Our current account is convenient and ideal for customers who due to the nature of their activities and or business transactions have to frequently conduct business through their accounts without prior notice.

4.      Sinapi Susu Account

This is an easy and convenient savings at your doorstep. Any existing and prospect of SASL who due to their schedules may not be able to walk into SASL office to make cash deposit must take advantage of Sinapi Susu Account. One can save any amount on daily, weekly or bi-weekly basis. It is a safe, easy and convenient way of banking.


5.      Fixed Deposit Account

Sinpai Aba offers you a very competitive interest yielding fixed deposit account for 91 days, 180 days and 1 year note.

6.       Sinapi Business Bundles

It is a combination of products and services that seek to help transform the businesses of our clients totally. Bundle clients enjoy an array of services that include negotiable interest rates based on the client's volume of business.

7.       Smart Kids

This is an account that help aimed at helping parents/guardians to secure the future of their children. It is an account help in trust for minors (1 day old- 17yrs old). The account automatically reverts to the minor when the latter turns 18 years.

Board of Directors

Sinapi Aba Savings and Loans Company limited has a distinguished eleven member Board chaired by Joseph Ebo Hewton Rev. Davis Freeman, National Director of the Christian Life Chapel (CLC), an affiliate church of CLC Australia. The members are experienced professionals from various fields of the economy dedicated to transform the lives of the disadvantaged in the society.


Mr. Joseph Ebo Hewton

Mr. Hewton is the Managing Director of Johaze Limited, a Road Construction Company based in Accra and operating in the Central and the Ashanti Regions of Ghana. He is the Vice Chairman of Sinapi Aba Trust.


Bishop Davis Freeman

Bishop Davis Freeman, National Director of Christian Life Centre, an affiliated church of Christian Life Center (CLC) Sydney, Australia.

He was the initiator and founder of Sinapi Aba Trust.


Mr. John Kwame Koduah

Koduah is a Solicitor and a Barrister at law (LLB, BL). He is the CEO of Twere Nyame Chambers; Kumasi. He is a renowned lawyer and a political figure. Mr. Koduah serves as a legal advisor to Sinapi Aba Trust.


Dr. Mrs. Dorothy Danso

She is the National President of Women’s Aglow Fellowship, an astute trade unionist with over three decade experience in supporting workplace organization and conflict management. She also has extensive knowledge and hands-on experience in design, implementation and evaluation of microcredit programs.


Mr. Stefan Knueppel

Knueppel is the CEO of Opportunity International Germany.  He also works for Goll Consulting in Bonn, Germany, as a Personal Management Coach and Organisation Development Consultant.



Mr. Kwadwo Konadu Asiamah 
Mr. Asiamah is a Chartered Accountant and the Executive Director of the Association of Rural and Community Banks, Accra. He is an experienced banker and has worked with Sinapi Aba Trust as an executive director for three years to help transform the lives of many disadvantaged Ghanaians. 




Mr. Anthony Gyasi-Fosu

Mr. Gyasi-Fosu is the Chief Executive Officer of Sinapi Aba Trust. He has worked with the organization for the past twelve (12) years as one of the best Operations Managers. He is a trainer and committed to transforming the lives of the disadvantaged in our society.


SASL Loans products

Sinapi Aba Savings and Loan has evolved from a leading microfinance Institution in Ghana, Sinapi Aba Trust which support small and micro businesses with credit and capacity building.  Thus Sinapi Aba Trust has transformed into a regulated deposit taking institution offering clients the opportunity to save and receive credit at the same time. The company thus have has forty seven (48) networked branches and agencies offering its services to clients. SASL was licensed by the Bank of Ghana in April 2013 as a Savings and Loans company to begin operating in that capacity.  Our team of dedicated staff works hand-in-hand with our valued customers to bring holistic change to individuals, families and communities. We are committed to seeing lives transformed through the delivery of high-quality financial and developmental services that are specifically tailored to meet the needs of the entrepreneurial poor.

SASL has in stock a number of varying credit and deposit products specially designed to meet each minute need of her cherished clients:


  • Sinapi Group Loan, a convenient, simple and reliable loan product that gives the low income entrepreneurs access to working capital funds and financial support in groups of 4-10 membership.
  • Micro Enterprise Loan is a straight forward, flexible and dependable working capital loan for individual and micro entrepreneurs who are capable of obtaining the loan independently.
  • Sinapi Festive Loan, where clients of SASL can receive additional loans during festive seasons. It helps clients who might have exhausted their loans during the festive season to receive more funds to purchase additional goods to sell during the peak times.
  • Small and Medium Enterprise Loan which is a special product for small entrepreneurs who are steadily growing their businesses and need substantial financial support to further expand their businesses.
  • Sinapi Business Asset Loan, a reliable and flexible loan product that gives small and micro entrepreneurs the opportunity to acquire business assets to promote the efficiency of their business operations. This enhances clients’ productivity.
  • Sinapi Agricultural Loan, a simple and reliable tailor-made loan product for agricultural actors especially within the value chain. This special agricultural loan facility is to help agribusiness men and women gain easy access to loan in support of their farming activities.
  • Micro-school loan supports micro and less developed schools to increase enrollment and also provide quality learning and teaching environment for pupils.
  • Sinapi Education loan gives the peace of mind and stress free life in settling children’s school fees obligation and other educational costs. It is simple and reliable loan product with flexible repayment terms that helps clients to give better education to their children.
  • Micro-housing Loan where Sinapi Aba is using this opportunity to improve, refurbish and complete your house making it the home you rightly deserve. This product is simple, flexible, convenient and easy to access to meet your home improvement needs. You can access Sinapi Efipa Loan in any of our Branches nationwide.
  • Sinapi Business Bundles
    It is a combination of products and services that seek to help transform the businesses of our clients totally. Bundle clients enjoy an array of services that include negotiable interest rates based on the client's volume of business
  • Church Loan is a facility available to churches. This facility may be used for various purposes such as church buildings, musical instruments, church bus etc.

This loan can be accessed by individuals who are

  • small and micro-entrepreneurs, business men and women
  • Salaried workers who operate additional businesses


More Articles...

Transforming Lives Through Microfinance

Email : 
Phone: +233 3220 - 30112 / 45358
Postal: 22A Ellis Avenue Nhyiaeso  P.O. Box 4911, Kumasi- Ghana