Financial Services for Everyone
Community Workshops
Interactive sessions on budgeting, saving, and investment basics—designed to equip communities with practical financial skills.
Personal Coaching
Tailored coaching sessions that meet individuals where they are—helping them set goals, build confidence, and take control of their finances.
Business Development
Entrepreneurship training and small business financial management support for aspiring and existing business owners.
ABOUT US
Ad-Rem is a financial literacy-focused organization committed to empowering women and young adults in Ghana to make informed financial decisions. Founded in August 2013, we have spent over a decade helping individuals understand how to manage money wisely, build savings, and achieve financial independence.
Our work is rooted in the belief that one poor financial decision can take years to recover from—so we take a holistic, proactive approach. We design and deliver practical financial education programs that teach participants how to identify income sources, manage purchasing power, save effectively, and meet essential needs.
To reach more communities and bridge the urban-rural divide, we organize four nationwide workshops each year under our signature program, “Money, Where Are You?”. These sessions provide tools for financial stability and long-term well-being, not just for individuals but for entire families and communities.
Why is financial literacy very important for young people?
Many young people today are already making financial decisions and using services like loans and savings products—both traditional and digital. Yet, many lack the foundational knowledge and skills to use these tools safely and effectively.
Financial literacy doesn’t just teach young people how to manage money—it promotes positive financial behavior. Those with strong financial skills tend to make more responsible choices, plan ahead, and take proactive steps toward a secure future.
With a solid financial foundation, young people can enjoy life today, knowing they are building stability for tomorrow.
Understanding personal finance early on leads to better money management in the short term and smarter financial decisions throughout adulthood.
What we do
• Offer opportunities to acquire financial literacy in schools, churches and workplaces regardless of their socio-economic background.
• Identify socio-economic inequalities which result in bad financial skills and behaviors and encourage financial literacy in students’ environment, including parents and peers.
• Strengthen the youths’ financial attitudes in addition to their knowledge and skills, to raise interest in money matters.
• Ensure that opportunities to learn through access to and use of financial services are safe and age appropriate.
