We are M-DoZ

M-DoZ Consulting is a financial services and management services consulting firm.

We help individuals improve their lives through business growth and financial inclusion projects for the informal sector and financially excluded

Our strength is in our PEOPLE.  Our consultants have deep industry experience coupled with academic and professional qualifications in every field we have rendered services.  Each of our consultants has a minimum of 15 years’ combined experience of industry practice and consulting.

M-DoZ has worked for developmental agencies and organizations in the public and private sectors.

The following are some of our notable clients;

  • National Pensions Regulatory Authority (NPRA)
  • Distance Education Unit, Univ. Of Ghana Legon
  • Ghana Institute of Management and Public Administration (GIMPA)
  • Ghana Insurance College
  • PHD Media
  • United Pension Trustees
  • Compassion International
  • First Allied Savings & Loans Ltd
  • Maybek (Baastonaa Total Supermarket & Anaji Choice Mart)
  • Osei-Kusi Foundation
  • Trinity Baptist Church
What do we do?

Our Mission, Vision, and Core Values


We improve lives through financial literacy and business growth programs, supported by innovative practical initiatives.


To be the leading organisation in financial literacy and business capacity building to curb poverty and improve lives in Africa.

Core Values

  • Integrity
  • Innovation
  • Empathy
  • Aspiration
  • Diligence

What we Do

We render these services;

Financial literacy & Business Growth projects for the informal sector and financially excluded

Retirement planning services by delivering sessions to both corporates and informal groups.  We run M-DoZ Investment & Retirement Club which registers participants of our literacy campaigns and enrolls them into a pension scheme

Pension consultancy services are mostly offered to pension schemes to help them become compliant and to optimise returns for the scheme

Financial consultancy and investment advisory for  SMEs to enable them conduct financial analysis for business performance and also to raise debt/equity financing

We execute our financial literacy contracts supported by a strong media content production.

Our Team:

Yaw Korankye Antwi

Yaw is a financial service, management consulting and a risk management professional with nearly two decades of industry experience.  He has experience in various industries including banking, microfinance, pensions, investments and media and retail.  He consults for institutions in organisational development, corporate training, enterprise risk management and financial planning.  Additionally, he acts as an individual pension trustee to a number of occupational pension schemes.  Having worked in the UK for nearly a decade, he brings a rich international experience to augment local knowledge.

He has led a number of financial literacy and financial inclusion projects.  The projects have partly been his own initiative partnering with private organisations and also with non-governmental organisations, donor agencies and the national pensions regulator.  His latest financial inclusion project, funded by Mastercard through AGRA, was the implementation of the digital agency banking initiative which saw about 400 agents planted across some remote areas of Ghana.

He skillfully combines technical knowledge with modern media techniques that makes the organisation’s projects stand out.  His unique style of delivery brings a profound impact on adult learning and capacity building.  He is also the lead trainer with Ghana Insurance College for pension service providers.

To help the informal sector and self-employed plan for long-term financial provision, he partnered to set up the M-DoZ Retirement & Investment Club.  The club, which is free to join, is an avenue for persons with little or no pension arrangements to plan for their old age personal finances.  He is an executive director of the club and organises free financial planning seminar annually to educate members of the club.   

He is the Lead Consultant for M-DoZ Consulting.  He is also a business writer for various business platforms and also runs the online business platform, www.ghanatalksbusiness.com.

Amma Adjeiwaa Antwi

Amma is a business management and financial services professional with competence in both industry and consulting. She holds over a decade experience in management consulting and corporate training.  Her areas of experience include project management, people development, industry research & policy analysis, financial management and trade finance.  She practiced her career both in Ghana and the UK.  She is currently the CEO of M-DoZ Consulting.

Her project management, financial and administrative skills mean all M-DoZ’s projects are delivered on time with a strong sense of quality assurance.

As part of her consulting services, she provides Corporate development training programs and Retirement Planning Advisory services to organizations, associations, and individuals. She has additionally impacted skills through training and change management activities in the areas of Leadership, Retail Operations, Customer Service Excellence, Strategic Management, People Development, and Business Communication among others. She has served in management positions over the past ten (10) years and has led teams to execute complex projects successfully.

With a great passion to see the Informal sector develop, she voluntarily trains artisans and traders in the Micro sector on propagating good retirement planning culture and profitable financial habits.   

Amma holds an Master of Business Administration (MBA) degree from the University of Southampton, UK, and a Bsc Administration (Finance & Banking) degree from University of Ghana Business School. She has additionally had training programs on International Trade & Finance, Cash Management, Asset & Liability Management, etc to further strengthen her grip on financial management.

Her qualifications, experience, exposure to different industries and personal attributes has brought value to organizations she has served.

Kwaku Dua Berchie

Kwaku is a banking professional with vast cross-sectional and industry experience. He has taught as an adjunct lecturer in Finance at the Ghana Technology University College (GTUC)/Coventry MBA program. His areas of facilitation are; International Financial Markets, Global Investment, Financial Analysis for Managers, Institutional Investments, Corporate Finance, and Investment Analysis and Decision Making in the Petroleum Industry.

He is also an adjunct lecturer for the MBA program at the Institute of Local Government Studies (ILGS) in Accra where he teaches Financial Accounting and Financial Resources Management.

He has taught and facilitated loans management related courses independently and collaboratively with the Frankfurt School of Finance and Management in Ghana. Some of his specialties are; Individual Lending for Credit Officers, Individual Lending for Credit Managers, Financial and Cash Flow Analysis for Credit Officers, Loan Portfolio Audit, Delinquency Management, Loan Recovery Techniques, Risk Analysis, Qualitative Research, and Trainer of Trainers (ToT). Kwaku has trained staff members in many institutions including; Pan-African Savings and Loans, Golden Link Savings and Loans, and First Allied Savings and Loans. He was the Lead Facilitator for Solidaridad’s Trainer of Trainers (ToT) workshop on “A Guide to Teaching Smallholder Farmers” where he created the curriculum and the training materials. Again, Kwaku has been an integral part of the curriculum of the Savings Bank Foundation for International Cooperation (SBFIC) sponsored Corporate Governance Certification program for the Credit Unions and the Microfinance Institutions in Ghana.

His industry hands-on experience has been enhanced through local and international trainings, workshops, and seminars such as Maximizing Profitability in SME Lending by Euromoney, Market Research for Microfinance (MR4MF) by MicroSave, 5th African Microfinance Conference, Housing Microfinance Workshop, the 4th African Rural and Agricultural Credit Association (AFRACA) Central Banks Forum, The Boulder Institute, the African Green Revolution Forum, and the SEEP Conference.

He is a top executive in the Savings and Loans sector, the Chairman of the Ghana Association of Savings and Loans Companies (GHASALC), and a Board Member of the Ghana Microfinance Institutions Network (GHAMFIN). Kwaku is also a lay preacher with the Prison Ministry Ghana, and a member of the Full Gospel Businessmen Fellowship International. He worships with the International Central Gospel Church. He is married with three beautiful daughters and a handsome son.

Charles Owusu Sekyere

Charles Owusu Sekyere has 24 years of banking experience to his credit. He started his banking career with Societe General Ghana Ltd (SG-SSB) in 1994. He later joined First Allied Savings & Loans 1997, worked at the Operations and Credit Sections as the Manager Asafo Branch and Manager Individual Lending Section respectively for 10 years. He further went on to work with Susu Microfinance Bank in Lagos, Nigeria as the Credit Manager for their 15 branches all over Lagos in 2008 and rejoin First Allied in 2010. He held the position of Acting Head of Credit and was later confirmed as the Head of Credit in 2014. He has served a lot of international bodies in training credit executives in training on loan delivery, monitoring and recovery.

Charles Owusu Sekyere is a former student of Presbyterian Boys Secondary School- Legon. He holds a degree in Business Administration-Banking & Finance option (First Class Honors) from CSUC affiliate University of Ghana, Legon and also an MBA in Strategic Management and Consulting from the Kwame Nkrumah University of Science & Technology.

He has various Certificates in Microfinance from Frankfurt School of Finance & Management, Bankakademie /HfB and has attended various training programs in Credit Administration in Ghana, Nigeria, Kenya, and South Africa.

Milena Darko

Milena is a chartered marketing professional (CIM UK,- Best Student for Digital Strategy) with over 16 years of work experience and holds an MBA from the Australian Institute of Business.

She worked with Deloitte Ghana for 14years. where she was charged with the responsibility for Brand, Marketing & Communications for over 8years. In this position, she visited Kenya, Nigeria, and South Africa for training to hone her skills in business development, project management, proposal writing, branding, and communications.

She is skilled in business event coordination, business writing such as proposals/tenders, speeches, and business and community profiles. She is also skilled at evaluating both the substance and language of business documents.  She also has a skill for explaining and teaching ‘the how of proposal writing for winning business’ by focusing on key aspects.

Milena’s inclusion to the team brings a sense of duty and the delivery of service to global standards.  She has coordinated a good number of donor-funded projects with excellent outcomes.

Milena is also well versed in digital marketing especially SEO, Google Advertisement and campaigns, and Social Media Marketing.

Lawrence Baah Cobbinah

Lawrence is the Production Manager and responsible for both productions of audio and video content for broadcast.   Lawrence has produced content for TV for the past eight (10) years.  He has worked with the likes of CRTV, Crystal and on the freelance basis behind numerous TV commercials.  He is an expert in all aspects of production and post-postproduction including animations.  He has produced content that has passed for broadcast in the EU and the USA.  He is the technical person behind all M-DoZ’s productions and other high-profile documentaries shown on national TV.  He supervises our project-based media team on technical production.

His skillset and discipline makes him excel in all productions for clients

Sandra Hodedzi

Sandra is the general production technician with over eight years’ experience in media production.  She is an expert in creative scriptwriting, creating concepts, sound editing, and directing productions.  Her specialized area, however, is in sound production on which she has acquired a degree from NAFTI.  She is exposed to the standards of production as demanded by multi-nationals and global organizations like USAID, DANIDA and Star Ghana.

She has played a key role in our media productions for the past 5 years.

Sandra has handled sound for famous TV shows such as the famous Ghanaian Kalybos series, and a host of documentaries aforementioned, and other productions.

Some of our Notable

Clients & Partners