ACHI's group loan disbursement methodology ensures a personalized service that suits members needs and ensures maximum clients satisfaction. The rural poor women are granted micro enterprise group and individual loans, for income generating activities and the loans are repay on weekly bases.

Farming group members, who are granted loans for the purposes of cultivating food crops and vegetables, repay their loans according to the gestation periods of the crops cultivated.

Our microfinance group loans are of amounts ranging from GH¢50.00 to a maximum limit of GH¢2,000.00 per member (USD 80 toUSD 1400), and have to be repaid between 4 to 18 months.

There is no collateral security to back these loans and repayment is ensured using personal trust and peer pressure as the entire loan group members are jointly and severally responsible (JSR) for the payment of the loans contracted by the group.

To ensure that the loan is used only for the intended purpose, the micro business and farm activity are appraised and assessed by our field credit officers before loans are disbursed, and follow-ups are made to monitor the activities of loan beneficiaries.

ACHI farm loan group members learn about the organization's loan delivery methods through group orientation meetings that brief members on loan application procedures, loan disbursements, loan collection/repayment, credit management, records keeping and related procedures.

After forming groups of their choice and agreeing on the farming and income generating activities they will like to pursue, ACHI will assists members by equipping them with basic micro business management skills and modern farming methods, such as pricing, marketing, processing, production and quality management.

Field officers facilitate the weekly group meetings, where members undertake the responsibility of approving loans, disbursements and repayments. Members go through additional social development programmes that cover topics ranging from family life education, reproductive health education for women, children's education, nutrition, sanitation/environment and adult literacy.

ACHI from inception have granted a total micro-loans amounting to GH¢149,878.00 to thirty-two (32) farming groups with a membership of 622. Total group members who are active savers are 1,628.

We provide micro-financial services and micro-loans to the rural poor and the vulnerable who are engaged in agriculture production and small-scale enterprises, especially women and the unemployed youth living in the remotest and deprived poor communities to empower and reduce their vulnerability The micro-financial services we provide are as follows;-

•  Provide training to the rural poor farmers, fishermen and the rural entrepreneurs in basic micro-business management skills and capacity building to enable them utilizes any available resources placed at their disposal to increase productivity and income.

•  Mobilizing domestic informal sector Group loans guarantee funds within the communities and create self-employment opportunities for the underprivileged sections of the community.

•  Providing micro-loans to the rural poor farmers and fishermen for food crop production, processing, marketing and other income generating activities.