Credit & Debt Management Workshop

GHS 699

(103 reviews)

Duration: 4 weeks

Format: Online with weekly live sessions

Level: All levels

Language: English

Certificate: Yes, upon completion

Workshop Overview

The Credit & Debt Management Workshop is designed to help you take control of your debt situation and build a strong credit profile within Ghana's financial system. This practical, results-oriented program provides specific strategies and tools to manage existing debt effectively and make smart borrowing decisions for the future.

What You'll Learn

Understand the credit system in Ghana and how it impacts your financial opportunities
Assess your current debt situation objectively and create a personalized debt management plan
Learn proven debt repayment strategies that minimize interest costs
Discover how to negotiate with creditors and potentially reduce your obligations
Build and maintain a strong credit profile that opens doors to better financial opportunities
Learn to distinguish between productive and destructive debt
Develop strategies to avoid debt traps and predatory lending

Workshop Materials Include

Comprehensive debt assessment workbook
Debt repayment calculators and planning templates
Sample creditor negotiation scripts
Credit-building action plan template
Reference guide to Ghana's credit reporting system
Certificate of completion

Who Should Take This Workshop

This workshop is ideal for:

Individuals struggling with debt or multiple loan payments
Anyone wanting to improve their credit profile in Ghana
People planning to apply for a mortgage, business loan, or other significant credit
Those who want to understand how to use credit strategically as a financial tool
Individuals who have experienced financial setbacks and need to rebuild their credit

Workshop Curriculum

Week 1: Understanding Debt & Credit in Ghana

Ghana's credit reporting system and how it works
How different types of debt impact your financial health
Conducting your personal debt inventory and assessment
Understanding credit scores and reports in the Ghanaian context

Week 2: Developing Your Debt Management Plan

Strategic debt repayment methods: snowball vs. avalanche approaches
Creating a realistic debt repayment budget
Prioritizing debts for maximum financial impact
Finding additional resources for debt repayment

Week 3: Credit Building & Repair

Establishing and rebuilding credit in Ghana
Disputing credit report errors
Strategies for improving your credit profile
Using secured credit products responsibly

Week 4: Advanced Debt Management Strategies

Negotiating with creditors effectively
Understanding debt consolidation options in Ghana
Knowing your legal rights regarding debt collection
Developing a long-term plan for debt-free living
Using credit strategically as a financial tool

Student Reviews

4.7 /5

Based on 103 reviews

Grace K. April 2, 2024

I was drowning in multiple loans and didn't see a way out. This workshop gave me a clear strategy to tackle my debts one by one. Within 6 months, I've paid off two loans completely and my stress levels have decreased significantly. The negotiation scripts were especially helpful!

Michael B. March 17, 2024

As a business owner in Ghana, I needed to improve my credit to qualify for a business expansion loan. This workshop gave me exactly the information I needed about how credit scoring works in Ghana and specific actions to improve my profile. Three months after implementing the strategies, I qualified for the loan I needed.

Akua W. February 5, 2024

The instructor's knowledge about Ghana's specific credit system made this workshop incredibly valuable. I learned things about how credit works in our country that I couldn't find anywhere else. The debt repayment calculators helped me see exactly how much interest I was paying and motivated me to accelerate my payments.

About Your Instructor

Ms. Abena Osei

Credit Counselor & Financial Recovery Specialist

Ms. Osei has dedicated her 10-year career to helping Ghanaians overcome debt challenges and build strong credit profiles. She holds a Bachelor's degree in Banking and Finance from the University of Cape Coast and is a certified Credit Counselor.

Throughout her career, she has helped hundreds of individuals and families develop personalized debt management plans that have led to significant financial improvements. Her practical approach focuses on realistic strategies that work within Ghana's unique financial environment.

Credentials

Bachelor's in Banking and Finance, University of Cape Coast
Certified Credit Counselor (CCC)
Former Credit Advisor at GCB Bank
Author of "Debt-Free Living in Ghana"
Financial wellness consultant for major Ghanaian corporations