Happy Life Capital and Property Investment (HLCPI)
Happy life capital and property investment (HLCPI) was founded in 2021 and provides microfinance loans to small businesses in Ghana. Loan amounts range from 500 credits to 2,000 credits and above with the goal of creating quality jobs and investments for social good. The company works with businesses, policymakers, and impact investors to achieve its vision for a better country. In addition to making loans to small businesses, happy life capital and property investment(HLCPI) seeks to provide advice and mentorship so that small businesses have a higher degree of success.
I. VISION
To empower the poor particularly poor women in rural areas to take greater control of their own lives and significantly improve their standard of living by increasing their opportunities for making productive economic investments. The long-term vision of HLCPI is a society ‘where citizens have equal and sufficient economic and social opportunities to improve their standards of living, and where they can contribute productively towards the overall development of the country’. The productive poor, particularly women, have access to sustainable financial (and non-financial) services that significantly improves their economic opportunities and quality of life. To be a leading financial institution who provides excellent services to poor families in order to create benefits for clients, shareholders and society. To be a top loan company Who Gives Priority To Customer Satisfaction. We bring interactive entertainment to the world. With the help of our customers and staff we bring good things to life. The Public Library creates opportunities.
II. MiSSION
To improve income in agricultural, commercial and manufacturing enterprises in the rural areas by providing loans at reasonable interest rates and encouraging savings, and specifically targeting women and poor families in order to help them achieve a higher income. To promote the general well-being of the poor people in the province and transform them into self-reliant, self-managing, just and peaceful living communities. Our mission is to provide micro, small and medium entrepreneurs with the wherewithal to manage their financial resources efficiently and by doing so to improve the quality of their lives. Our business is to promote human dignity through the development of self reliant, participatory financial institutions. To provide quality and innovative financial and non-financial services that empowers rural companies and productive poor to excellence. To provide financial services that are suitable for the needs of most of the rural population while ensuring HLCPI long term sustainability”. HLCPI is an Institution who is persistent in our quest for excellent financial products, quality services and continuous learning.
III. OBJECTIVES
By 2030, HLCPI will have serviced the need for microfinance services of 60,000 poor rural clients. By 2040, HLCPI will have reached 90,000 clients resulting in improved standards of living, better asset build-up and stronger civil society. This goal will be achieved through a mix of microfinance products and services that respond to the needs and preferences of our clientele. HLCPI shall continue to operate as a licensed and regulated HLCPI under the laws of the Government of Ghana. During the five-year plan period, ownership of HLCPI will be diversified to include socially responsible institutional investors, employee stock ownership, and individual investors. By 2040, membership in the Board of Directors will be expanded to include new shareholders. HLCPI shall provide its clients financial products and services that are competitive and sensitive to their needs and preferences. It shall offer group loans that are suitable to their needs and circumstances. Individual loans will be expanded to meet the demand of clients whose micro enterprises have grown and therefore are in need of larger loans. On the other hand, savings products will be offered to meet clients’ demand for safe, secure and accessible deposits that provide reasonable returns. HLCPI products and services will be periodically reviewed and upgraded based on changing client needs and developments in the market. By 2040, HLCPI shall be a major HLCPI player with highly trained personnel and an effective and systematic strategy to reward excellent staff performance. By 2040, HLCPI will continuously develop financial products and services that are competitive and sensitive to the demand of the market. By 2023, HLCPI shall be a licensed and regulated HLCPI. HLCPI shall also build up capital to two million by 2030 and 2.5 million by 2040 through local (Individuals & ESOP) and international (SRIs) investments. By 2040, HLCPI will service 90,000 poor clients with affordable and client responsive financial product and services. By 2040, HLCPI shall leverage the capital build up to expand business activities and profitability. Further, HLCPI shall maintain a fully integrated portfolio management, accounting and internal control systems to ensure transparency and efficiency.
IV. CULTURE
We believe that people are created equal and should be treated fairly. The poor, especially poor women, are business worthy as any other people and they deserve to have access to financial services in a proper manner. We believe that we should deliver high quality services and performance as our responsibility to our stakeholders. We believe that by achieving and maintaining financial sustainability, we could continue to pursue our vision and mission.
The staff of HLCPI have the following values in their work:
Integrity * Trustworthiness * Customer * Oriented * Teamwork * Participatory * Process * Continuous Learning * Transparency
We will at all times observe the highest principles of ethical behavior, respect for society, the law of the environment. We will listen to our clients and commit ourselves to consistently meeting or exceeding their expectations with forethought, flexibility, customer-focused service and quality on-time deliverables. We are committed to strategically growing the company through constant improvement of our operations and pursuing opportunities to further our business model and capabilities. We will be good stewards of our company’s and communities’ resources, embracing the responsibilities of corporate citizenship in the communities where our offices are located.
HLCPI values client relationships. Our first priority is always to ensure that the clients are fully satisfied with our services.
HLCPI values quality. We will continue to strive to serve our clients in the most efficient, effective and best possible way.
HLCPI values integrity, fairness and honesty in all business dealings. Trust is the cornerstone of our business and it will never be compromised.
HLCPI values diversity and neutrality. We serve poor people on the basis of need not ethnicity, religion or political affiliation.
HLCPI values the vision of a balanced social and profit organizational agenda. The balance assures the future of our clients and for ourselves.
Staff value discipline. I believe in respecting the rules of the organization and country.
Staff value compassion. I believe in support of those in need of help and tolerance in times of conflict.
Staff value equality. I believe in providing equal opportunity and treatment in all aspects of the organization.
Staff value hard work. I believe our future is guaranteed through the maximum effort I give to my responsibilities.
Staff value quality. I believe whatever I do, should be the best.
Staff value recognition. I believe that I should acknowledge successes and reward those who have achieved them. Staff value education. I believe that I will provide the foundation for lifelong success.