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About Gaya

Inclusion for the women African banks miss.

Sixty percent of African women earn their living in the informal economy. Fewer than one in five can borrow from a bank. Gaya exists to change the maths.

01 / The gap

Some numbers worth considering.

  1. ~60%

    of African women operate within the informal economy.

  2. Under 20%

    have access to formal credit.

  3. 10–30%

    is what informal lenders charge per month. Per month, not per year.

02 / Why women

The credit gap is gendered. So is the solution.

Four women photographed in a close stacked frame, looking directly at camera.

Women in Ghana already lend to each other. They run susu collections, church savings, market-stall rotations. The trust infrastructure works. What it lacks is capital that can sit underneath it without distorting it. Gaya is built around that fact. We are not introducing a new behaviour. We are formalising, capitalising, and underwriting one that has been quietly compounding for generations.

  1. 01

    Women are an economic gateway to families.

    Credit reaching a woman tends to reach the household, the children, and the small business that feeds the street.

  2. 02

    Women fulfil credit obligations better than men.

    Across microfinance evidence, repayment rates for women borrowers consistently outperform.

  3. 03

    Women already operate inside trust networks.

    Susu, church groups, market associations. We are formalising and financing the trust that already exists.

03 / Lineage

This is not our first time underwriting trust.

The team has spent five years building credit infrastructure for African markets. Gaya is the consolidation, not the experiment.

  1. 01

    Edanra

    Rent financing for tenants.

  2. 02

    Dryve

    Vehicle financing for mobility entrepreneurs.

  3. 03

    CreditForest

    Credit underwriting technology for lenders.

  4. 04

    Gaya

    The consolidation. A credit ecosystem for women.

04 / If this resonates

Write to us, and a real person reads it.

One inbox, two co-founders behind it. Tell us what you're thinking, what you're building, or what you'd want us to fix. We answer in plain English, usually within a working day.

Write tohello@gayacredit.com
Email the team