Company Profile.

Transcription

1 Company Profile DFL began opera ons in November 2008 as Dream Age Consult. The Company was formed primarily to serve the twin objec ve of assis ng its client to effec vely manage their funds, while providing the loanable funds to meet their working capital needs. It is registered under the Tier-1 of the Non Bank Financial Ins tu on((nbfis) and currently regulated by Bank of Ghana. DFL s mission is to serve the micro segment of the business community has being undeserved by the formal banking system, by providing convenient credit and investment that improve their livelihood through income genera ng ac vites. We manage over GHC 50,000,000 ( Fi y million) worth of funds from various organiza on and high net worth individuals who have invested into the working capital requirement needed to meet high expecta ons of our clients. Our flagship product which is the Debenture Plus gives high yielding returns compared to similar industry products. Addi onally, DFL provides short term financing categorized into Anedasoo, Boafo and Dwedea Nkosuo to serve majority of Ghanaians in the informal sector.

2 Our Core Values We are passionate about our customers and as we strive to deliver our brand promise we ensure that all our dealings with our clients are underpinned by Integrity Customer sensi vity Respect for each other Enhancing share holder value Team work Innova on Proac venes DFL Strategy Our philosophy is that individuals and organisa ons financial needs can be be er served if sufficient effort is made to build las ng rela onships that will facilitate a solid understanding of their needs and hence the development of products that meet these needs in a mely fashion. Executive Summary The purpose of this proposal is to present our range of financial products and services, par cularly our DEBENTURE PLUS investment and loan products to your organisa on. We request an opportunity to meet with you to discuss on how we can be of good benefit to your organisa on. we would be pleased to provide addi onal informa on upon request and are available to answer any ques ons you may have about our products and services.

3 Product DFL Debenture Its a high yielding placement with high compe ve rate. It gives a return of + Five (5%), The rates on offer currently ranges 27.5% - 30%. Our rates have never fallen below 25% since the incep on of the company in Our Rates on Offer Amount (GHC) Rate 10, , % 500,001-1,000,000 29% 1000,001-upwards 30% Some of the benefits of this placement are; Best nego able rates in the industry Has very high returns thus T bill rate+5% It preserves the me value of money Easy access to funds Regulated by Bank of Ghana and has very reputable management team that ensures the safety of funds. Major Investment holders are: ECOBANK Development Corpora on ECOBANK Ghana Limited UT Bank Bond Financial Services All Time Capital Individuals have invested to the tune of over GHC 20million Services Business and Credit Advisory, Micro Finance and Financial Market Research

4 Competitive Analysis Pricing :DFL offers compe ve rates with flexible loan tenors for SME s and traders. Adequate Funding: Ample cash available to fund opera ons. Cu ng Edge Technology: DFL uses a team of experienced Rela onship Officers to implement its sales strategy and good client rela onships. Experienced Management: Our management is viewed as strong with an extensive track record in the micro financing business. Innova ve Financial Solu ons :We provide a tailor made financial solu on to its clientele depending on the sort of business the client does. Well capitalised: DFL is well funded with addi onal access to funding when needed. Effec ve marke ng: DFL marke ng effort are strategically planned to solidify our posi on in the market as a provider of relevant solu on.

5 DFL TOP TEAM Individual Position Back ground Kelvin K. Kobiri CEO Kelvin is the CEO and a shareholder of DFL. Kelvin is the brain behind the ins tu on. Kelvin is a hands-on manager who understands the micro finance market and business. He started the business in 2008 and in less than three years has built a loan por olio in excess of GH 27million with sixteen branches, and manages the over 347 staff of the company. Kelvin holds a post Graduate Diploma in Global Management from INSEAD Francis Preprah Finance & Strategy Francis is a member of the Associa on of Chartered Cer fied Accountants (ACCA) UK. He had a s nt with a Private Audit and Accountancy Firm,Osei Kwabena & Associates where he developed a considerable experience in Accounts prepara on, tax planning, audi ng, management consultancy and finance. Francis joined GLICO Group Company Limited as the Deputy Audit and Compliance Manager from the Audit Firm in He was promoted to the posi on of Finance Manager (Micro insurance) a er six months. Francis joined DFL in May, 2011 as the Finance Manager and is responsible for se ng up the en re Accoun ng and Finance Department of DFL. He holds BSC Accoun ng and MBA (Finance) degrees from the University of Ghana Business School and a ended seminars and courses both locally and interna onally. Key among them are the 14th Annual Business Conference at Harvard Business School, Boston Massachuessest and on African Business Growth at Yale University in the USA.

6 Name Business phone Other Contact Details Kelvin K. Kobiri Group CEO (DHL) Francis Peprah Group Financial Controller (DHL) Salifu Inusah DFL GM Opera ons Frank Kwasi Kissi DFL Group Management Accountant Albert H.D.N.A. Laryea Head, Strategy, Business Dev t Sales and Research (DHL) albert.laryea@dreamholdings.com.gh Richieson Gyeini-Boateng Head of Audit & Internal Control richieson.boateng@dreamholdings.com.gh