Mr. Kwaku Duah Berchie is an accomplished and experienced banking and finance professional. He is the Chief Operating Officer for Pan-African Savings and Loans Company Ltd.

He holds an MBA in Accounting and Finance from the Keller Graduate School of Management, a degree from the DeVry University, and a Diploma in Theatre Arts from the University of Ghana. He is a certified expert in Microfinance and a Financial Inclusion enthusiast. Kwaku has also been an adjunct lecturer of Finance at the GTUC/Coventry MBA programme. He has been facilitating models like Financial Analysis for Managers, Corporate Finance, International Financial Markets, and Institutional Investments.

Kwaku’s career spans across industries and sectors. He has management and executive experience in electronic store sales, warehousing, shipping, real estate, entertainment, consultancy, and tax management. After spending many years in the USA, he returned to Ghana where he currently resides. He has worked with Pentax Management Consultancy Services, Christian Services University College, and First Allied Savings and Loans Company Ltd. Kwaku has been instrumental in capacity building, strategic planning, business development and expansion, growth strategy, and profitability in the institutions he has been involved in Ghana.

Vice Chairman

An Investment Banker with over twenty-eight years’ experience in the banking industry in Ghana. I have extensive experience working in high-level positions in three different banks in Ghana and have participated actively in creating companies’ vision, and have been part of their realization through implementation.

Active involvement in the development of merchant banking products, project evaluation and appraisal, assisting in the identification of potential investors for projects and offering advice on investment opportunities and incentives.

A member of the team that handled the first two Initial Public Offerings on the Ghana Stock Exchange in 1992. Also a key member of the team that arranged the listing of eight companies out of initial fifteen companies listed on the Ghana Stock Exchange. This required undertaking background preparatory work and bringing the companies into compliance with the Rules and Regulations of the stock exchange

Played a pioneering role in the establishment and growth of two successful banks in Ghana viz. First Atlantic Merchant Bank and The Trust Bank (formerly Meridian BIAO Bank now Ecobank). Main focus was on creation of strategies to gain market presence through identification and implementation of innovative products.

A total of twelve years at a senior managerial level of two banks taking active part in policy formulation and implementation of strategic objectives. Was for four years a member of the apex committee of First Atlantic Merchant Bank with responsibility at the Board level for the Bank’s risk assets.

Member of the Management Board of First Atlantic Merchant Bank and divisional head of the Credit and Marketing wing of the Bank, leading a team of seasoned analysts with the primary objective of creating new relationships and deepening existing relationships.

Currently Chief Executive Officer of Bond Savings and Loans Limited a Non-Bank Financial Institution licensed by Bank of Ghana to provide banking and other financial services to the business community in Ghana.

Ms. Amma F. Dwumah
Ms. Amma F. Dwumah
Council Secretary

Ms. Amma Frimpomaa Dwumah is a lawyer and a member of the Ghana Bar Association. She has extensive knowledge in the banking and finance sector.

She graduated with a QLC from the Ghana School of Law. She holds an MA in Human Resources from the University of Cape Coast. She holds an LL.B from the University of Ghana, Legon, and a Bachelor in Education Degree in English Language from the University of Education, Winneba. She also graduated as a Teacher from St. Louis Training College, Ghana

Ms. Dwumah started her career as a Teacher with OLA Girls Senior High School where she taught English and English Literature. She has worked with Dery & Co. a legal firm in Accra. Prior to joining Dery & Co. she was with Golden Pride Savings and Loans Limited as Solicitor and Company Secretary. She previously worked as a Trainer of Trainees with the GNAT/Canadian Teachers Federation and also worked with Plan Ghana to train teachers.

Prior to her appointment she worked with Bank of Africa as a Legal Counsel. She can be described as a professional with a strong appetite for success, a problem solver, and also possesses strong organizational and leadership skills.  She has extensive training in leadership and corporate governance.

Mr. Isaac Kweku Arthur
Mr. Isaac Kweku Arthur

Isaac Arthur is a Professional, Business leader and a highly motivated Manager with over 10 years’ experience in banking operations. His skills set are in the Area of Treasury management, Trade Finance, Investment analysis and Portfolio Management, Bank Operations Management, Branch Development, Operational processes and procedures, , Credit administration and Capacity Building, among others. Isaac worked with Adehyeman Savings and Loans, rising through the ranks to become the Head of Operations responsible for all the branches in the country.

In April 2013 he joined Global Access Savings & Loans as the Head of Operations in charge of Head office operations and all the 18 branches of the company. He is currently the Managing Director of Equity Savings & Loans Ltd. Isaac holds an MBA in Banking & Finance from Cape Coast University and Bachelor of Arts degree in Psychology from the University of Ghana-Legon. He has attended several courses in Banking, Management and Leadership. He is currently on Level (III) of the Chartered Institute of Bankers Examination.

Mr. Kofi Ampofo Agyapong
Mr. Kofi Ampofo Agyapong
Independent Member

Kofi Ampofo Agyapong is a product of the University of Ghana Business School and holds an Executive MBA-Finance from the University. He also has Bachelor of Arts (Hon) from the same University.

He is a Fellow of the Chartered Institute of Bankers, Ghana and the Institute of Financial Services of the School of Finance (formally Chartered Institute of Bankers of UK). He started work in the banking industry in 1996 as a Banking Officer with the Agricultural Development Bank. He joined CAL Bank Limited in March 1998 and worked in various roles/positions as part of the Senior Management Team of the Bank until March 2010 when he joined the Export Development and Investment Fund as Director of Operations.

He was a Member of the Governing Council of the Chartered Institute of Bankers, Ghana between 2001 and 2008 and has also been a Member of the Board of Directors of Adansi Rural Bank, a strong and fast growing rural bank since 2001. He is the immediate past Managing Director of Best Point Savings and Loans Limited, a position he held since the inception of the Company in 2013.

He has attended a number of courses and workshops in diverse fields in banking including Credit Management, Banking Operations, Marketing, Asset and Liability Management, Customer Service etc. From his working life in the banking industry and indeed other sectors, he has developed excellent skills for Banking Operations, Credit Management including ensuring good credit portfolio quality, growth and sustainability, planning and budgeting, corporate governance, customer service etc.

Executive Secretary

Tweneboah Kodua Boakye is the Executive Secretary of the Ghana Association of Savings and Loans Companies (GHASALC) as of September 2017. At GHASALC, Mr. Boakye is in charge of the day-to-day administration and serves as the key spokesperson for the Association. He is engaged in advocacy, policy formulation and all relevant stakeholder engagements as far as the Association and the Savings and Loans sector is concerned.

Prior to GHASALC, Mr. Boakye was the Executive Director at Nkosuo Micro-finance Limited, a company he co-founded and managed for 7 years in Accra, Ghana. He was also the Southern Sector President of the Ghana Association of Micro-finance Companies (GAMC) overseeing 5 Regions and also a National Board Member of the Association. Prior to his career with Nkosuo, he worked as an Operations Officer and Customer Team Leader with Barclays Bank Ghana Limited (DST) from 2007 to 2010.

Tweneboah is very passionate about organizational and regulatory compliance within the financial sector. He is an experienced corporate and private administrator with strong interpersonal, problem solving and communication skills. His interests include enhancing compliance to Internal Controls, Credit Risk Management and Investments. He has attended and facilitated a number of workshops, seminars and conferences on Microfinance, Advocacy, Regulatory Compliance, Curriculum Development, Negotiations, Anti-Money Laundering (AML), and many other topics covering the financial sector both locally and internationally.

Tweneboah is also a Lay Gospel Preacher and a Sunday School Teacher in the Methodist Church Ghana as well as a Corporate Board Secretary to a number of companies in the Financial Services Industry in Ghana. He loves training, facilitation, lecturing, traveling, presentations/debating, coaching, volunteering and counseling. Tweneboah is married with four boys.

Certifications and Expertise:

  • Chartered Accountant from the Institute of Chartered Accountants, Ghana (ICAG).
  • Certified Expert in Micro-finance (CEMF) from the Frankfurt School of Finance and Management, Germany.
  • Certified Credit Administrator certificate from the National Banking College, Accra – Ghana
  • Project Management Programme Certificate from Ghana Institute of Management and Public Administration (GIMPA), Ghana.
  • Curriculum Development Professional and Facilitator in the area of Micro-finance Operations, Financial Management, Budgeting and Financial Statements Analysis for Decision Making.


  • Executive Master of Business Administration (EMBA) in Banking and Finance from Paris Graduate School of Management (Paris – France).
  • Bachelor of Science in Geodetic Engineering from Kwame Nkrumah University of Science and Technology (KNUST, – Ghana).
  • Diploma in Strategic Marketing Management and Public Relations from the Institute of Commercial Management (ICM-UK).
Stephen Ameyaw
Stephen Ameyaw

Stephen is a mentor with over 35 years’ experience in the banking industry. His expertise spans diverse fields including Financial Management, Micro and Macroeconomic Management, Research, Banking Operations and Administration.
Stephen is a turnaround consultant and also specialises in establishing new businesses. He was instrumental in transforming Kantamanto Savings and Loans Ltd into UniCredit Ghana Ltd where he served as Managing Director from 2006 to 2014 before taking helm of affairs at Adom Savings and Loans Limited. He also served on the board of Anum Rural Bank from 1982 until he retired in 2014.
He previously served in various roles at the Bank of Ghana including, Assistant Director at the Banking and Supervision Department, Head of Rural Finance Inspection Department(RFID), Director at the Macroeconomic Management Department and a Director at the Financial Sector Department at the West African Institute for Financial and Economic Management (WAIFEM) from 2001 to 2003. Stephen was also instrumental in the establishment of the ARB Apex Bank. During his work at the Bank of Ghana, Stephen played key roles towards the reform of the banking sector.
Stephen received his Bachelor of Science degree from the University of Cape Coast in 1971 and obtained his Masters in Economics at the University of Ghana, Legon in 1975. He has attended various training courses, workshops and seminars in Ghana, Italy, USA, Switzerland and Germany.
He is the immediate past Managing Director of ADOM Savings and Loans Company.

Dr. Edem Bart Williams
Dr. Edem Bart Williams

Edem Bart Williams is exceptionally good at what he does. He is so good that he could have been anything he wanted to be but he chose the world of finance over medicine, his initial passion.

With that choice, he is leaving no stone unturned in making the best financial and investment decisions and producing impressive returns on behalf of his clients, since he ventured on his own almost half a decade ago.

Since that career choice, which he made even before entering the university in 2002, Edem, is now the Group Chief Executive Officer (GCEO) of Nordcom Group, a growing financial group of companies with interest in banking, investments and pensions, and he is quietly working his way to the top of the nation’s financial sector.

To him, finance is a means to which problems can be better solved and lives improved, sustained and transformed with far reaching impacts.

“A loan that is given to a small business at Makola for expansion can lead to a better life for the many mouths that business owner feeds, clothes and shelters, you just can never tell,” he says, to the B&FT Weekend in an exclusive interview.

At first glance, Edem seems casual and playful, dropping complimentary comments on his staff and engaging them in little conversations. Well, that is who he is: simple, easy-to-be-approached, genial and always ready to listen to you no matter what you have to say.

But behind this demeanour lies the passion to be the best at all times and never go back to the poverty in which he was raised which one time saw him wait tables at a bar in order to earn some income to go to school.

Born in Kotobabi, Accra, to Daniel Dziwornu Williams, a journalist and businessman, and Josephine Hanson, a nurse, Edem was raised by his grandmother in Winneba in the Central Region where he began his primary school at the ATTC Demonstration Primary School for six years before coming back to Accra where he completed his elementary education at Kotobabi 2 Junior Secondary School in 1993.

After passing his Basic Education Certificate Examination (BECE) with flying colours, he couldn’t attend St. Augustine’s College, his first choice, due to financial difficulties and had to stay at home for a year. Luckily, during the next academic year, he enrolled at the T.I Ahmadiya Secondary School, Potsin, in the Central Region.

By dint of hardwork, he came out with flying colours and got enrolled at Central University, as part of the pioneering students, where he studied banking and finance even though he studied science back in secondary school and wanted to be a medical doctor.

It was during his time at Central University that he honed his skills of becoming a financial expert. Whiles reading books on finance, investment, capital markets and securities, he also interned at his elder brother’s management consultancy firm.

So right after the university, he joined First Allied Savings and Loans in Kumasi, as a credit officer where he also worked in risk, treasury and did a little bit of every sphere of banking for two and half years.

Despite working and earning a decent income, his passion for further education never deserted him and he went back to school, but this time in Sweden, where he undertook an MSc in Business Administration and Economics from Lulea University of Technology.

Today, Edem has a PhD in Business Administration from the Nelson Mandela Metropolitan University, South Africa, and is a member of the International Research Association in USA having qualified as a Licensed International Financial Analyst.

As though that is not enough, he also holds a Postgraduate Diploma in Management from IPMA, UK and a graduate member of the Chartered Institute of Administration and Management Consultants.

After acquiring all these knowledge, one other passion of his is impacting all the knowledge acquired. This has led him to lecture courses including banking, finance, e-commerce and other marketing related course at Regent University, Data Link University, the Business School of the African University College of Communication, and currently the Ghana Institute of Management and Public Administration (GIMPA).

After studying in Sweden and coming back home to lecture for sometime at Regent University College, Edem got the opportunity to work at uniBank as a Management Information Reporting Officer, at the credit risk department.

But he quickly rose through the ranks at the bank and became the Head of Consumer Banking and later become Head of Strategy. After two years at the bank Edem moved to Essien Swiss International Capital Holdings (ESICH) where he was tasked with the job of setting up Accent Financial Services.

It was during the process of establishing Accent Financial Services, where he rose to become an Executive Director, that he realised that he can now branch out on his own.

Starting out in 2012, while still at Accent Financial Services, he established Nordea Capital, the investment bank, in a cramped up office with three staff members at Awudome Roundabout.

Gradually, amid the difficulties of starting a financial service company in Ghana, with the unflinching support of his wife, he slowly built his way through and earned the trust of his clients, both individuals and institutions.

Due to his tenacity, vision and will to succeed, Edem established ESA Pensions Trustees to manage Tier 2 and 3 pension funds and very recently he also established Commerz Savings and Loans, which seeks to support small and medium enterprises.

Edem’s deep knowledge and experience in the business of banking and finance are his biggest advantage in staying ahead of his peers. In addition, his attitude towards his colleagues in the office is exemplary.