Treating Customers Fairly

Sikamaster Loans ensures our customers are at the very heart of all that we do. We are fully committed to providing the highest standards of customer service and advice.

Our customers are our most valuable asset and our aim is to ensure we deliver a user-friendly, robust, reliable and cost-effective service. As a part of our overall approach we are fully committed to treating our customers fairly and we endeavour to meet their expectations of high quality service.

 

Our customer service

We pride ourselves in embedding the above principles in our approach to dealing with our customers. We’ll always do our best to make sure the requested service is appropriate to the customer, aligning it with their knowledge and experience prior to agreeing to deliver that service.

• We continually aim to understand the needs of our customers.

• We keep our customers fully informed in a clear and fair manner that is unambiguous and not misleading.

• We ensure our services are delivered with clarity and transparency and do not contain hidden conditions or rely on complex technical definitions.

• We make certain our customers understand the risks associated with our products and services at the outset.

• We work hard to ensure that service and risk information remains clear and prominent at all times.

• In the event that there is a conflict of interest, we will inform our customers as soon as possible once we become aware of it.

 

Our approach

Our priority is to provide our customers with an excellent service underpinned by quality and choice. We want to give our customers reasons to want to buy our products and services, stay with us and recommend us to their families, friends and colleagues.

Our service is shaped by listening to our customers’ needs and understanding what is important to them. We aim to treat our customers fairly and deliver high quality services which meet their expectations throughout their relationship with us.

We recognise that our employees are critical to delivering a positive customer experience, that’s why all of our employees are fully trained in dealing with our customers and in treating them fairly in every interaction. Our culture and values encourage and support our employees to deliver this.

We use customer surveys, data analysis and staff feedback to continuously look for ways to improve the quality of our service.

Useful info

Sikamaster, is a 24/7*365 well-capitalised internet first, forward-thinking, safe, robust, resilient, smart and responsible direct lender for the working class and modern and/or scalable small, medium & large businesses, including startups.

SML is not; a microfinance institution, and neither a savings & loans company or a Specialised Deposit-taking Institution (SDI) of any form, kind or type. SML does not seek and/or accept outside capital.

Rolling out a secured, safer, convenient, revolutionary self-care, ethical, no upfront fee, direct lending platform in phases (three phases remaining, including key synergistic acquisitions and regulation for some aspects of our operations).

We're Social

             

Ghana's 24/7 Direct Financing Hub

Not all our loans require a collateral - But if your loan requires one, any property used as security (which may include your home or pensions and/or business assets, or personal guarantees) may be repossessed if you do not keep up repayments on a loan or any other debts secured on it. Our Repayment Assistance Programme is available to qualified borrowers only.
 
PLEASE READ TERMS & CONDITIONS, COOKIES POLICY, PRIVACY POLICY, DATA RETENTION POLICY, & MODERN SLAVERY POLICY BEFORE USING THIS WEBSITE OR OUR SERVICE.
 
Applicants must be 18 or over. All loans are subject to affordability, applicant verification, traditional credit checks and TDG Scoring via various national databases in accordance with Sikamaster''s responsible lending policy.
 
Please note that there have been an increasing number of attempts to defraud Sikamaster clients. Please take every necessary measure to ensure that your account information is secure! Learn more.
 
Aside lending, our website offers information about saving, investing, tax and other financial matters, but not personal advice. If you're not sure whether Sikamaster Loans lending is right for you, please seek independent financial advice, and if you decide to borrow from us, please read our How We Operate before you proceed.