When financial services group AFB started in 2010 in Ghana, it mainly focused on lending to government employees, but two years ago started expanding into consumer and SME lending.
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![AFB’s lending model based on trust rather than collateral](/sme-d8/dev/sites/default/files/styles/large/public/post/images/500211_how_we-madeit_africa.jpg?itok=vD7wqbWE)