About Empire Credit

Empire Credit Microfinance Limited(ECML) is a limited liability company registered in Ghana , Empire Credit was incorporated under the Companies Code 1963, Act 179 with the Registrar Generals Department to commence business...

Our Vision

"To transform into a Commercial Bank with a Strong presence in Ghana by 2025 through Consistent Service Excellence and Profitability."

Our Mission

Be a leading and most preferred financial institution that best facilitates the creation of wealth by individuals and businesses.

  • At Empire Credit the mentality is to make you a success story as our best advertisement.

  • You will get the attention of speed and convinience.

  • The focal point is you. You’ll never have to worry about being “just another number in the the database.

  • We listen, understand and partner

  • We believe in developing relationship and value friendship

Empire Credit Microfinance Limited (ECML) is a wholly owned indigenous Ghanaian company licensed by the Central Bank of Ghana under the new Banking Act 2004 (Act 673) to operate as a Deposit Taking Non-Bank Financial Institution.
We mobilize deposits from the general public and extend credit to Micro-businesses, Small and Medium Scale Enterprise (SME’s) within the various sectors of the economy and individuals.
Empire Credit is a dynamic and fast growing Non-Bank Financial Institution that serves individualized financial needs of hundreds of customers.
Our primary focus is to empower the under-privileged class of society to help them engage in productive activities and include them in the financial eco-system.
Empire Credit believes in providing consistent banking excellence for our cherished clients whose individual and group success defines our success.
At Empire, we pride in friendly, knowledgeable employees whose expertise and efficiency will make your banking experience an event to remember.

Our Target Market

  • Micro Businesses

  • Mid Size Micro Businesses

  • Large Micro Enterprises

  • Small Partnership/Limited Liability Companies

  • Small and Medium Size Enterprises(SMEs)

  • Individual and Executives

  • Agribusiness and Women groups

  • Educational Institutions

Our Culture

E -Excellence: Brilliance & Distinction

M-Meticulous: Careful & Eye for Details

P-Professional: Skilled & Specialised

I-Inspiration: Godly & Team Work

R-Reliable: Dependable & Ownership

E-Enterprising: Discipline & Industrious

The Empire Credit Team

Meet the Empire Credit Team

Mr. Emmanuel Nii Armah Okai

Founder and CEO

Mr. Emmanuel Okai is a multifaceted management professional with over 14 years of diversified experience in Commercial and Consumer Banking,.


Rachael Awuraakua Appiah

(Head, Business Development & Customer Care)

Rachael has developed critical banking experience over the past six years and has the leadership skills that have earned her a place as the only female Board member.


Mr. Paa Kwesi Adams

(Head, Banking Operations and Credit)

Mr. Paa Kwesi Adams started his professional carrier with Johnsons Savings and Loans Ltd (now First Trust Savings and Loans). He has over 10 years experience within the banking industry...



Mr. Kingsford Viduku

(Head, Finance & Compliance)

Mr. Viduku is a task oriented astute and people focused professional. He holds a Bachelor of Business Administration in Finance from Zenith University College...


Ms. Caroline Hackman

(Head, Human Capital and Administration)

Ms. Caroline Adwoa Hackman is currently the Head of Head Capital and Administration at Empire Credit. Ms. Hackman joined the company from Talent Weighing Systems Services...


Mr. Henry Ofoli Anum

(Head, Information Technology)

Mr. Henry Anum has enormous experience in Information Technology ranging from Website Designing, Computer and Network Engineering and Administration, IT Training and Policies, Systems Auditing and Security Protocol...