With the diversity of membership groups, GHAMFIN has subsequently amended its constitution to have apex bodies form the GHAMFIN Council and the members of the apex bodies become members of GHAMFIN thus GHAMFIN becomes the first tier network of the apex bodies, which represent their individual members. In this regard GHAMFIN will speak as one voice for the microfinance industry.

STRUCTURE AND KEY STAKEHOLDERS

The structure and key microfinance stakeholders in Ghana consist of the following:

Microfinance Institutions, including

• The Rural and Community Banks;
• Savings and Loans Companies;
• Financial NGOs;
• Primary Societies of CUA;
• Susu Collectors Association of GCSCA;
• Development and commercial banks with microfinance programs and linkages; and
• Micro-insurance and micro-leasing services.

Microfinance Apex Bodies, namely:

• • • Association of Rural Banks (ARB)
    • ARB Apex Bank
    • Association of Financial NGOs (ASSFIN)
    • Ghana Cooperative Credit Unions Association (CUA)
    • Ghana Cooperative Susu Collectors Association (GCSCA)