We are a Tamale-based financial capability provider dedicated to helping Ghanaian households, traders, and professionals adopt disciplined savings, investment literacy, and long-term planning habits.
Forgehorizones emerged in 2023 after listening to the financial pain points of local cooperatives and early-career professionals who wanted practical guidance grounded in Ghana’s realities.
The founders met while piloting budgeting clinics for market traders. They discovered that participants needed structured follow-through beyond single workshops. Forgehorizones was born to combine ongoing guidance with robust data tracking.
We assembled a small network of facilitators experienced in adult learning, community development, and regulated financial services.
Operating from Tamale allows us to serve both urban professionals and rural entrepreneurs. Regular field visits ensure our tools and examples reflect agriculture cycles, cooperative dynamics, and the realities of fluctuating incomes.
We maintain an accessible office on Jubilee Road where participants collect materials, schedule clinics, and access printed resources.
Our methodology emphasises clarity, repetition, and accountability. Each cohort navigates the same step-based structure, supported by measurable milestones.
We start each programme with a detailed diagnostic covering income sources, seasonal variability, household obligations, and existing financial tools. The baseline informs how we sequence training modules.
Participants apply concepts to real scenarios such as paying school fees, expanding inventory, or financing farm inputs. Each scenario includes risk analysis and mitigation strategies.
We pair learners with peer accountability partners and provide weekly checklists. Facilitators review progress, adjust targets, and ensure lessons become daily habits.
We maintain a live insight dashboard tracking knowledge, behaviour, and resilience metrics across cohorts, ensuring our work remains evidence-based.
Even within our first twelve months, we have delivered tangible results for everyday Ghanaians.
Participants graduated across mixed cohorts.
Reported lower reliance on informal credit after six months.
Implemented structured budgeting routines with accountability partners.
Organisations engaged, including cooperatives, NGOs, and SMEs.
We partner with cooperatives, unions, and human resource teams to co-create delivery plans that respect operations and culture.
Our facilitators support community-based organisations by adapting modules to literacy levels and delivering bilingual sessions. We also offer train-the-trainer clinics for local leaders.
Corporate partners rely on us to improve employee financial wellness, reducing absenteeism tied to money stress. We provide anonymised analytics for HR teams to monitor progress.
We maintain high standards for pedagogy, data security, and participant experience.
We aim to expand access to practical financial capability programmes across Ghana, empowering communities to navigate economic shifts confidently.
Our next steps include establishing facilitation hubs in Kumasi and Takoradi, supported by local partners who understand specific regional economies.
We are developing a suite of low-data digital tools for rural participants, ensuring content remains accessible even in areas with limited internet connectivity.