Held under the theme of gratitude and growth, the event brought together management, staff, partners, and stakeholders to reflect on a year of significant achievement and steady transformation within the microfinance sector. It also provided an opportunity to recognize the people whose work continues to drive the institution’s impact across the country. In his address, Mr. Romeo-Richlove Kweku Seshie, Chief Executive Officer of Bills Microcredit, highlighted the institution’s performance in 2025, including the disbursement of almost GHS 2 billion in loans across all 16 regions of Ghana.

He noted that the figures represented more than financial outcomes, pointing instead to the real impact on entrepreneurs, small business owners, and families who rely on access to finance to grow their livelihoods.

“This year, we chose to get closer to our customers. We sat with the provision store owner in Takoradi, the poultry farmer in Ho, the seamstress in Tamale. We listened. And in listening, we understood something important: when people feel seen, they grow,” Mr. Seshie said. Mr. Kojo Dei Kwarteng, Board Chairman of Bills Microcredit, underscored the institution’s governance strength and long-term positioning.

He stated that the Board’s confidence lies not only in performance outcomes, but in how those outcomes are achieved, through strong systems, disciplined governance, and careful attention to risk, compliance, and accountability.

He further commended management and staff for their professionalism, noting that trust remains the cornerstone of financial services and must be earned consistently. Founded by Mr. Richard Nii Armah Quaye, President of RNAQ Holdings and Foundation, Bills has evolved from a belief in supporting everyday people into a nationwide financial services institution serving entrepreneurs and small businesses across Ghana.

Earlier in the day, at a Staff Durbar held at the University of Professional Studies, Accra (UPSA), the Founder announced a 100% end-of-year bonus to staff, a declaration met with excitement and jubilation. He expressed satisfaction with the performance reports reviewed since his exit from active leadership, noting that major targets for the year had been met and, in several cases, exceeded.

He disclosed that in Ghana alone, nearly GHS 2 billion was disbursed to over 350,000 customers in 2025, while across the group, more than USD 400 million supported close to 700,000 small businesses and individuals.

“What gives me the greatest satisfaction is seeing an institution that serves people with dignity continue to grow beyond any one individual. That is when you know the systems are working and the purpose is intact. When customers continue to trust the organization, even in my absence, that trust belongs to the people who show up every day,” Mr. Quaye said.

A major highlight of the evening was the presentation of awards recognizing excellence at team, operational, and individual levels.

Twelve outstanding sector teams were honoured for collective performance, discipline, and service delivery, with each team receiving a cash award of GHS 20,000. Individual excellence was also recognized in key operational and customer-facing roles.

The Most Outstanding Operations Manager received a cash award of GHS 20,000, while the Most Outstanding Customer Experience Executive received GHS 10,000 in recognition of measurable impact on operational efficiency and service quality.

The climax of the ceremony was the presentation of ten Toyota Vitz vehicles to five top performing staff across key operational functions, including Credit Risk Analysis, Recovery, Cluster Management, General Monitoring, and Employee of the Year, as well as five long serving employees whose dedication has contributed significantly to the institution’s growth since 2016 and 2017.

The awards night was complemented by live performances from Nacee, Moliy, Mona4Reall, Medikal, Shatta Wale, and international Afrobeats star Davido, adding to an atmosphere of celebration and appreciation for the year’s achievements.

As Bills Microcredit looks ahead to 2026, the institution remains focused on deepening customer relationships, strengthening technological capabilities, and expanding financial inclusion across Ghana, while upholding the highest standards of governance, integrity, and responsible growth.