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No matter what the Idea is, we will stand with you.

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When it matters

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No Matter How Small it Starts

We Believe in You

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We are everywhere you go

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Cause we are.

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Your Growth

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Who We Are

Garki Microfinance Bank Ltd (GMFB) commenced operations on March 30, 1995 as NCWS community Bank. In December 2007, it was issued license by the Central Bank of Nigeria (CBN) to operate as Microfinance Bank under the brand name Garki Microfinance Bank Limited.

Our Mission

To accelerate wealth creation to the economically active individuals through a professionally guided financial and non-financial services, while rendering adequate returns to all stakeholders.

Our Vision

To become the first choice microfinance bank that is reliable and committed to excellent delivery, while leveraging on innovative technology

Our Values

We have built relationship and trust with clients through our integrity, excellent service delivery, prudent financial management and professionalism

Enhancing MSMEs Capacity

We are passionate about delivering growth, helping Micro, Small and Medium Enterprises (MSMEs) enhance their productive capacity, build and consolidate their economic base and manage risks through our innovative financial products.


Social Empowerment
Risk Mitigation
Business Sensitization

Products & Services

Our wide range of financial Packages tailored to help individuals and small businesses maximize their financial capacity.

Bulk Payment Services

Bulk Payment Services through Remita (Salaries, Pension and Gratuity for civil servants)

Current Account

Everyday business and salary accounts with minimum or no COT

Fixed Deposit Account

High Interest yield accounts


We provide microcredit for business and economy financing

Savings Account

Long-time savings with competitive interest rate

USSD Services

USSD Service enables our customers to perform transactions directly from their phones by dialing a code.

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