Lumana was started by a group of passionate and skilled young people who believed that they could use business principles to do good in rural Ghana.

Lumana began its programs in rural Ghana to find innovative solutions for
overcoming the inherent difficulties of sustainably running a microfinance
program in rural Africa. High costs associated with providing financial services
in areas with low population densities and a lack of infrastructure (physical,
technological, and governmental) made it difficult for organizations to oper-
ate sustainably. By leveraging technology and partnerships with local leaders,
Lumana developed efficient processes and procedures which make the model
scalable and sustainable. This allowed Lumana to reach operational sustain-
ability after two years and create a solid foundation for community economic