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Pgcni Financial Limited

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Pgcni Financial Services embark on a mission to utilize the entire potential of the financially unserved population by aiding their development to secure a brighter future. We’ve enlarged and broadened our scope within our 20 year history and drawing on expertise in strategy, branding, market research, visual identity, finance, tax and intellectual property, we now work not just with entrepreneurs and finance groups, but also brand owners, investors, lawyers, governments, tax professionals and a lot more.

our services


Home Loan

A unique offering to our home loan customers who are buying prepared to occupy property. 


Earn higher interest by investing your money in our fixed and recurring deposits. We provide flexibility with our lock-in periods that help you make long term decisions with your hard-earned money.


Our Savings and Current Accounts are designed to maximize the value of your money and secure it for your future.

Gold Loan

Designed to provide you with a state, reliable, hassle free and quality financial service, our Gold Loan interest rates will give you a quick and easy way of meeting your financial needs.

Personal Loan

A Personal Loan is a great tool in managing your finances and functions as an impetus in putting your plans into actions.

Life Care

Life Care Finance helps you cover unforeseen medical expenses that can stretch your budget or for those expenses which aren’t covered by your medical insurance.

I would like to thank you for being there for me over the years. A few of the things I have today I wouldn’t have had without your financial support.

Dana C. Kennedy


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World’s fastest-growing economies.

The developing countries have emerged as powerhouses, and they contribute to global growth in output and consumption. The average growth rate is about 2.7 percent, but countries like China and India has a growth rate of 7.0 percent.

The following are some of the world’s fastest-growing economies:


Senegal is located in West Africa. It is one of the world’s fastest-growing economies and has a projected growth of 6.6 percent. Senegal’s economy is centered mostly on natural resources and Commodities. Agriculture is a major sector in the country, and it produces many cash crops. The tourism of the country is also stable and blooming as it has an excellent French Colonial heritage and a brilliant natural attraction.


Bhutan is known as the ‘land of the thunder dragon,’ and is a land-locked country in the Himalayas and lies between India and China which are the world’s most populated countries. Bhutan has a fast growing economy and is fueled by forestry, tourism, agriculture, and hydro-power. Bhutan’s economy is expected to grow at a rate of 11.1% during 2017-19. Gross National Happiness (GNH) is given more emphasis to build the nation’s prosperity than the Gross Domestic Product (GDP).


Ethiopia is one of Africa’s largest recipient of developmental aid, but several sectors of the country shows great promise for the economy. It is hoped that by the year 2025 Ethiopia will become a middle-income country. The country is slowly developing in its construction sector and also has a good public infrastructure investment. The Grand Ethiopian Renaissance Dam is considered the crowning glory of the country’s recent growth.



India is one of the top five fastest growing economies in the world. Backed by ample resources, robust domestic demand, macroeconomic fundamentals, favorable demographics and a proactive government the country is said to have an annual growth of 7.73% during 2017 to 2019. India is an excellent country for investors as it is both stable and huge. Companies via ADRs listed on the United States exchanges focus on investing in India.


Cambodia also has one of the world’s fasted growing economy and has a projected economic growth of 7.0 percent. Cambodia faces numerous socio-political issues, and a widespread poverty exists in the country as there are corruption and lack of political freedom. Cambodia also has a low per capita income despite being one of the fastest growing economies in Asia. Agriculture is one of the dominant economic sectors in the country and has a strong growth in construction, textiles, tourism, and garment sectors.


Ghana is one of the most stable African nations and has a low corruption and macroeconomic stability. The economic journey of the country has been quite bumpy in recent years. Ghana’s fiscal deficit and monetary policy led to soaring inflation, high levels of debt, and depreciating the currency. The nation’s growth slowed down in 2014-16 but is expected to rise in the next few years to an average annual growth rate of 8.1%.

Roles and Responsibilities of a Finance Department.

The finance depart is a significant part of a company. It is responsible for acquiring funds for the firm, planning for the expenditure of money on various assets and managing resources within the organization. It ensures efficient financial management and control which are necessary to support all the activities done by a business.

The department has a broad range of roles and responsibilities. A business must have a good financial unit for it to run smoothly. The performance and success of a firm greatly depend on how well the finance department functions. The Finance department does a wide range of activities like bookkeeping, providing information to managers, transactional accounting, cash flow, payments, etc.

Some of the key roles include:

Money Out and Money In:

The finance unit is responsible for making all the payments for the company. They have to make sure that bills are being regularly paid and process all the incoming payment. To maintain a good relationship with the clients and vendors, it is always advisable to pay on time. Accounting department needs to keep an eye on the expenditures made and make it a point to save money. When the payments are made on time, there is no need to pay a late fee or a payment charge. The company does not have to execute unnecessary expenses if the finance department makes all the payments at the right time.

Tracking the invoices, receivables and any other collection actions must be done carefully.  The employees need to check if the customers pay the invoices on time, if they delay it then, a reminder must be politely sent to the customers.

Financial Controls:

Since the department deals with money, the employees need to be very careful and keep in making sure that all the errors are avoided, and the business is free from any frauds and theft.


Processing the salary payments are one of the primary roles of a finance department. They need to make sure that everyone gets paid. Employees of the company need to be paid on time, and they also need to check if taxes are correctly accessed, and tax payments are made on time for both state and federal agencies.


Report Generation:

The employees of the team also work on the preparation of financial reports like balance sheets, P&L, and budgets. One of the main reasons to collect all the data is to properly generate a report which can be used for budgeting and make other decisions. These statements are also required for establishing communications with the investors, banks, and other employees who are involved in developing your business.

Management of Taxes:

The finance department has to handle the taxes of a company. To maintain an excellent corporate relationship with the government, the firm needs to pay taxes as you earn to the relevant authorities and also make sure that implementation of tax matters are done within the framed policies



Top five devastating financial crises in the world.

Whenever the asset loses its face value, a financial crisis is said to occur. The Economic crisis can create adverse consequences such as fall in output, currency crashes, sovereign defaults, etc. There were many crises, and each of them had a different scale and level of impact. Our world is connected through currency markets, capital flows, and trade relations. Thus, if a crisis occurs in a country, it affects or transmits its crisis to all the other countries that are linked to that country.
The following are some of the World’s Most-Devastating Financial Crises:

Black Monday:
Black Monday crisis happened on October 19, 1987. There was a widespread stock market crash all around the world. The crisis started in Hong Kong, and it spread to Europe and the United States. Companies like Dow Jones dropped by 22.1%, and the company took nearly two years to reach their previous high in 1987. Many come up with explanations for the Black Monday economic crisis, but none of those explanations is conclusive.

Wall Street Crash:
The Wall Street Crash was one of the most shocking crashes in the United States Stock Market. The crisis started in the year 1929, and it came as a blow to the market in the 1920s. People thought that the markets would rise indefinitely and wealth would grow. There was a warning created in March 1929, and it was warded off by the National City Bank. The economy was not that great in the late 1920s. The construction activities, production of steel, and car sales were all going down. Due to easy credit, there were consumers with large debts, and the over-supply of wheat decreased prices and farmers were affected very badly. This crisis shook America and eventually affected the stock markets.

1973 Oil Crisis:
Crude oil costs increased, and the production was cut, specifically to Netherlands and United States when OPEC employed oil as a weapon with the Arab Oil Embargo against those who supported Israel in the war of Syria and Egypt against Israel.
Though the embargo lasted only five months, the effects are present even today. Japanese car makers began to make smaller cars, and this gave a great shake in the American market share. To conserve oil, United States enacted a 55 mph speed limit. The U.S President created the Department of Energy in the year 1977, and it developed the petroleum reserve of the country.

The Great Depression:
The Great Depression lasted the entire period between 1929 and the outbreak of World War II. It was the most prolonged and severe depression in global economic history in U.S.
The government raised the interest rates, and Investors were desperate to liquidate their stocks, but there was no money. The country went into a Great Depression, and many countries in the world were also affected by this crisis. Know More

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