Empowering Ghanaians with financial knowledge for a more secure future
Guadalajaraucd is dedicated to improving financial literacy across Ghana, with a special focus on credit and debt management education. Established in 2015, our organization aims to address the growing need for financial education in a rapidly developing economy where access to credit is expanding but knowledge about responsible borrowing remains limited.
Our comprehensive courses are designed to meet the specific needs of Ghanaian communities, providing practical tools and strategies to navigate the complexities of modern financial systems. We believe that by empowering individuals with knowledge about credit management, debt repayment strategies, and budgeting skills, we can contribute to greater financial resilience and prosperity throughout the country.
Through our work, we have reached over 25,000 Ghanaians in urban and rural areas, collaborating with local financial institutions, community organizations, and government agencies to extend our impact. Our programs range from basic financial literacy for young adults to advanced debt management strategies for entrepreneurs and small business owners.
Our flagship initiative brings credit education directly to local communities across Ghana's Western Region. These interactive workshops help participants understand credit scores, interest rates, and loan evaluation criteria while providing tools to build positive credit histories. Since launching in 2017, we've conducted over a hundred workshops reaching more than 5,000 community members.
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We've developed a mobile-friendly digital platform that helps Ghanaians track and manage their debt obligations. This free tool provides personalized repayment strategies, payment reminders, and progress visualization. The platform has been adopted by over 8,000 users and has helped facilitate more than GH₵2.5 million in successful debt repayments through improved financial planning.
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Targeting the next generation of Ghanaian consumers, our school program introduces students to essential financial concepts before they enter the credit market. The curriculum covers savings, responsible borrowing, and long-term financial planning through age-appropriate activities and simulations. Currently implemented in 35 schools across the Western and Central regions, reaching approximately 7,200 students annually.
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Supporting Ghana's entrepreneurs with specialized guidance on accessing and managing business credit. Our consultants provide personalized advice on loan applications, credit terms negotiation, and building business credit profiles. This initiative has supported over 500 small businesses, helping them secure approximately GH₵4.2 million in responsible financing to fuel business growth and job creation.
Learn MoreOur ongoing research examines how different demographic groups across Ghana access and utilize credit facilities. This comprehensive study analyzes regional disparities, gender differences, and socioeconomic factors that influence credit accessibility. The findings help us design more targeted educational interventions and advocate for policy changes to improve equitable access to credit services throughout the country.
Surveyed 2,500 individuals across 6 regions
Identified key patterns and barriers
Releasing findings in quarterly reports
This longitudinal study tracks the financial behaviors and outcomes of participants in our educational programs over a three-year period. By measuring changes in debt levels, repayment patterns, and financial decision-making, we can quantify the real-world impact of our interventions. Preliminary results show a 27% decrease in high-interest debt and a 35% improvement in on-time payment behaviors among program graduates.
Established financial behavior metrics
Implemented educational programs
Tracking financial behavior changes
We've compiled these trusted external resources to supplement your financial education journey.
Official resources from Ghana's central bank on financial products regulation and consumer protections.
Visit Resource
Industry-created resources explaining banking products and services available in Ghana.
Visit Resource
Free online calculators to help plan debt repayment strategies and timelines.
Access Tools
Global best practices in financial education adapted for developing economies.
Explore Resources
Next Session: July 15, 2025 | 3:00 PM GMT
This introductory webinar explains how credit scoring works in Ghana, what factors influence your score, and practical steps to improve or maintain a positive credit profile. Participants will learn how different financial institutions evaluate creditworthiness and how to access their own credit reports.
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Next Session: July 22, 2025 | 4:00 PM GMT
Learn proven techniques for prioritizing and eliminating debt, including the avalanche and snowball methods adapted to the Ghanaian context. This webinar provides templates for tracking progress and offers guidance on negotiating with creditors when facing financial difficulties.
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Next Session: August 5, 2025 | 2:30 PM GMT
Increase your chances of loan approval by understanding the evaluation criteria used by Ghanaian banks and lenders. This session covers documentation preparation, common application mistakes, and how to compare loan offers to select the best option for your needs.
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Guadalajaraucd has formed a strategic partnership with Ghana Commercial Bank to expand our credit education programs to five additional regions. This collaboration will enable us to reach an estimated 12,000 more Ghanaians over the next year through co-sponsored workshops and digital resources tailored to GCB customers.
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We're excited to announce the release of our new mobile application "GhanaFinance Tracker" designed specifically for the Ghanaian market. This free tool helps users create personalized budgets, track expenses, and monitor debt repayment progress. Available for both Android and iOS, the app works offline to accommodate areas with limited connectivity.
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Our research team has published their annual report on credit utilization patterns across Ghana. Key findings show a 15% increase in mobile money borrowing among young adults and significant regional disparities in credit access. The full report provides actionable recommendations for policymakers and financial institutions to address these challenges.
Read MoreWe're looking for passionate individuals to help advance financial literacy in Ghana. Check out our current openings:
Location: Takoradi, Ghana (with travel to regional centers)
Type: Full-time
We're seeking experienced educators with background in finance or economics to develop and deliver our credit and debt management curriculum. The ideal candidate will have strong presentation skills, experience in adult education, and deep understanding of the Ghanaian financial system. Fluency in English and at least one local language (preferably Twi or Fante) is required.
Apply NowLocation: Takoradi, Ghana
Type: Full-time
Join our digital team to create engaging online financial education resources. You'll develop interactive modules, videos, infographics, and mobile learning tools that make complex financial concepts accessible to diverse Ghanaian audiences. Strong multimedia skills, educational content development experience, and understanding of financial topics are essential.
Apply NowLocation: Takoradi, Ghana (with extensive regional travel)
Type: Full-time
Help us expand our reach by coordinating with community organizations, local governments, and educational institutions throughout Ghana's Western and Central regions. This role involves organizing workshops, recruiting participants, and building sustainable partnerships to deliver our programs. Strong communication skills, networking ability, and familiarity with rural and urban Ghanaian communities required.
Apply NowLocation: Takoradi, Ghana
Type: Part-time
Support our research initiatives by collecting and analyzing data on credit access, debt patterns, and financial behavior across Ghana. This position involves survey administration, data entry, literature reviews, and assisting with report preparation. Background in economics, statistics, or social sciences preferred. Strong analytical skills and attention to detail are essential.
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22 Sekondi Road
Takoradi, Ghana
+233 31 202 7830
Monday - Friday: 8:00 AM - 5:00 PM
Saturday: 9:00 AM - 1:00 PM