Background 
The Government of Ghana (GOG) has been granted a credit facility by OPEC Fund for International Development (OFID) to support rural development in Ghana through the Integrated Rural Development Project II (IRDP II). 

The Ministry of Local Government, Chieftaincy and Religious Affairs (MLGCRA) has engaged ARB Apex Bank PLC (the Bank) to act as the Fund Administrator for the Credit Component of the Project.

The Bank has been engaged to manage, on behalf of Social Investment Fund (SIF) a revolving credit facility for Partner Financial Institutions (PFIs) for the benefit of farmers, farmer groups, youth, women and Persons Living with Disabilities (PWDs), artisanal businesses, Micro, Medium and Small-scale Enterprises (MSMEs) who have been affected by the COVID-19 pandemic and other economic challenges. The objective is to revitalize rural economies and enhance livelihoods in Ghana.

Lending Arrangement
To achieve the above objectives, a tripartite agreement has been executed by the Ministry of Finance (MOF), Social Investment Fund (SIF) and the Bank. An amount of Three Million United States Dollars (USD3,000,000.00) has been allocated for on-lending to PFIs across the country, subject to the following initial terms:

1. Eligible RCBs would receive wholesale loan facilities for on-lending to end-beneficiaries engaged in key economic activities including:

1.  
   • Crop production (vegetables, fruits, cereals, legumes, etc.)
   • Animal husbandry (piggery, poultry, cattle, sheep, goats, etc.)
   • Fisheries and aquaculture
   • Agro-processing and agribusiness
   • Transportation and marketing of agricultural produce
   • Small-scale industries and local manufacturing/trading within the agriculture value chain
   • Hospitality and food-related businesses

Call for Expression of Interest
All qualifying PFIs are encouraged to participate in the Micro Credit Component of the Integrated Rural Development Project Phase Two (IRDP II), being implemented by the Social Investment Fund (SIF).

Interested PFIs are requested to submit their Expressions of Interest (EOIs) via email to bdc@arbapexbank.com and gdery@arbapexbank.com.

Please ensure that EOIs are submitted not later than Friday, November 28, 2025.

This is an important intervention aimed at fostering sustainable development and supporting rural communities. For further information or clarifications, please contact or send an email to the email addresses above.

We count on your cooperation and look forward to your active participation.

Signed

CURTIS W. BRANTUO
DEPUTY MANAGING DIRECTOR