VISION
The Ghana Islamic Microfinance will provide competitive and ethical Shariah compliant interest free microfinance services to our customers in Ghana.
MISSION
To provide innovative microfinance services that will win customer appreciation and exceed customer requirements.
OBJECTIVES
* To discourage predatory loan practices in Ghana.
* To provide interest free loans to the needy in Ghana and promote qard-e-hasana as a viable model and a broad based solution to poverty alleviation.
* Deliver superior value for customers, staff and shareholders and provide cost-effective Shariah compliant microfinance services.
* Use state of the art technology in developing microfinance products and services
* Develop and encourage competent and innovative management infused with high standards of integrity, knowledge and professionalism and ensure that each employee’s goals and objectives are aligned with those of the organization.
OUR CORE VALUES
Ethics: We are committed to Islamic ideals and to rules of Shariah in all our activities. We are committed to exhibiting the highest levels of honesty, integrity and the spirit of establishing partnership with customers.
Customer Focus: We are focused on 100% customer satisfaction by delivering quality services where and when the customer needs these services. Our promise is that we will meet your expectations, and continually aspire to exceed them.
Innovation: We will always strive to give you innovative solutions by adopting a creative approach in all that we do. We will use creativity and technology to differentiate our services.
Professionalism: We commit ourselves to the highest standards of professionalism.
Corporate Social Responsibility: We have a moral responsibility to contribute to the well-being of the society and to mobilize assistance in whichever way whenever required.
SHARIAH SUPERVISORY ROLE
* Supervise and approve the development of Shariah compliant investment and financing products.
* Supervise the Shariah compliance of all our transactions and ensure that all the transactions are carried out in strict compliance to Islamic principles of banking. This framework along with our culture of strict adherence to rules will make the Ghana Islamic Microfinance the pioneering organization to practice Islamic Microfinance in true letter and spirit.
* Supervise and approve the development of Shariah compliant procedures.
* Certify Shariah compliance of MFI’s product documents, contracts and agreements.
* Recommend on administrative decisions, issues and matters that require the Board's approval.
* Supervise Shariah training programmes for personnel
The Ghana Islamic Microfinance will ensure strong checks and balances to ensure that no form of investment or business activity is undertaken that has not been approved in advance by our Shari'ah Boards. Management is required to continuously report and certify to the Shari'ah Board that business activities conform to Shari'ah.