About SAHOS
Our Story
SAHOS was born in 2018 when three university friends - Sarah Osei, Hakeem Mensah, and Olivia Sarfo - recognized a critical gap in financial education for young people in Ghana. As students themselves, they struggled to manage their limited finances and noticed that most of their peers were facing similar challenges. Despite being academically successful, they realized that their education had neglected a crucial life skill: managing personal finances.
What began as informal budget workshops in their university dormitory quickly gained popularity among fellow students. The trio developed simple spreadsheets and tracking tools that were accessible and practical for students living on tight budgets. Word spread beyond their campus, and they started receiving requests from other educational institutions to present their methods.
In 2019, they secured their first small grant from a local financial institution to formalize their training materials and expand their reach. By 2020, during the global pandemic, they pivoted to create digital versions of their resources, which unexpectedly accelerated their growth as their online platform reached students across West Africa.
Today, SAHOS has grown from a grassroots initiative into a respected financial education platform serving thousands of young people and beginners across Africa and beyond. Our headquarters in Accra continues to embody the same core mission that inspired our founders: making financial literacy accessible to everyone, regardless of their background or starting point.
Our Mission & Values
Our Mission
At SAHOS, our mission is to democratize financial education by providing accessible, practical tools and knowledge that empower young people and financial beginners to take control of their economic future. We believe that financial literacy should not be a privilege but a fundamental right that enables individuals to make informed decisions, build security, and achieve their life goals.
Our Core Values
Accessibility
We ensure that financial education is available to everyone, regardless of their economic status, education level, or background. We intentionally design our resources to be understood by complete beginners while remaining useful to those with more experience.
Practicality
We focus on actionable knowledge that can be immediately applied to improve real financial situations. Our methods are tested in real-world conditions and designed to work with limited resources and diverse financial challenges.
Transparency
We believe in complete honesty about financial matters. We clearly explain all concepts, avoid jargon, and are upfront about the benefits and limitations of different financial approaches. We never promote get-rich-quick schemes or unrealistic expectations.
Empowerment
We don't just provide information—we build confidence and capability. Our goal is for every person we reach to feel equipped to make independent financial decisions without depending on our platform indefinitely.
Meet Our Team
Our dedicated team combines expertise in finance, education, and technology to create the most accessible financial education tools available.
Sarah Osei
Co-Founder & CEO
With a background in Economics and Education, Sarah leads our strategic vision and curriculum development. Before SAHOS, she worked with several NGOs focused on economic empowerment in West Africa. Her approach to financial education emphasizes cultural relevance and practical application.
Hakeem Mensah
Co-Founder & Technical Director
Hakeem combines his computer science degree with financial analysis expertise to develop our digital tools and tracking systems. His passion for simplifying complex financial concepts through technology has been instrumental in making our platform user-friendly for beginners.
Olivia Sarfo
Co-Founder & Community Relations Director
Olivia's background in sociology and communications drives our community-building approach. She develops our workshop methodologies and maintains partnerships with educational institutions. Her focus on peer support has created SAHOS's distinctive collaborative learning environment.
Daniel Kwame
Financial Education Specialist
Daniel joined SAHOS in 2021 after working as a financial advisor for five years. With certifications in financial planning and education, he develops our advanced curriculum and conducts specialized workshops. His talent for breaking down complex financial concepts makes him a favorite instructor among our users.
Our Impact & Achievements
Since our founding in 2018, SAHOS has reached significant milestones in our mission to democratize financial education:
Active Users
Young people and beginners actively using our platform to track expenses and build budgets across 12 African countries.
Success Rate
Of our users report significant improvements in their financial habits within 3 months of using our methods.
Educational Workshops
Conducted in universities, community centers, and corporate settings throughout Ghana and neighboring countries.
User Savings
Estimated collective savings generated by our users in 2022 through improved budgeting techniques.
Awards & Recognition
- 2022: Financial Inclusion Innovation Award - Ghana Fintech Awards
- 2021: Best Educational Platform - West African Digital Excellence Awards
- 2020: Social Impact Startup of the Year - Accra Entrepreneurship Forum
- 2019: Youth Empowerment Grant Recipient - African Development Foundation
What Our Users Say
"SAHOS completely transformed my relationship with money. As a first-year university student living away from home, I was overwhelmed by managing my expenses. Their simple tracking system helped me stop overspending on weekends and build my first emergency fund. Now I'm actually saving for study abroad!"
"I discovered SAHOS during my final year of university when I was panicking about post-graduation finances. Their debt management and income planning workshops gave me clear strategies to handle my student loans while building my career. Six months into my first job, I'm already ahead of my financial goals. The community support is incredible too!"
"I never expected a platform designed for students would help my small business, but SAHOS's expense tracking and cash flow management tools were exactly what I needed. Their system helped me separate personal and business finances for the first time. My shop's profitability has increased by 20% since implementing their methods. Now I'm teaching these skills to my employees too."
Ready to Start Your Financial Journey?
Join thousands of young people who are taking control of their finances with SAHOS's accessible tools and supportive community. Whether you're a student, recent graduate, or just beginning to manage your own money, we have resources designed for your unique needs.