FREE LEGAL ADVICE: The Structure of the Ghanaian Statehood-both the judges and the people are keepers of the republic.


When I take a cursory look at the Ghanaian Statehood, both the judges and the citizenry must learn to work in harmony in a shared struggle. This piece is to walk my readers through the greasy pathway and the composition of our statehood.

The Famous Quote: “The Man in the Arena” by Theodore Roosevelt “It is not the critic who counts; not the man who points out how the strong man stumbles, or where the doer of deeds could have done them better. The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood; who strives valiantly; who errs, who comes short again and again, because there is no effort without error and shortcoming; but who does actually strive to do the deeds; who knows great enthusiasms, the great devotions; who spends himself in a worthy cause; who at the best knows in the end the triumph of high achievement, and who at the worst, if he fails, at least fails while daring greatly, so that his place shall never be with those cold and timid souls who neither know victory nor defeat.” -Theodore Roosevelt

The structure of the Ghanaian State is set out in the 1992 Constitution. The constitution outlines not only how the various individuals and public bodies fit together, but also explains their respective functions. It also sheds light on the various mechanisms of accountability built into the system. For the sake of clarity, the constitution separates the state into three branches: the
Executive, the Legislature and the Judiciary and indicates boundaries for the performance of their respective powers and the limitations on the exercise of those powers.
The Executive
The Executive Branch of Government has responsibility for the functioning of the public services. It is responsible for implementing the laws passed by parliament. In the performance of its functions, however, the executive both implements and determines law. Members of the executive are drawn from the largest political party in parliament, which by virtue of its majority has won an electoral mandate to govern. Thus, the government produces policies, and because of its numerical advantage in parliamentary votes, it is able to dominate proceedings.

Therefore, in reality, the Executive is responsible for both determining and implementing government policy. The President is the Head of the Executive. He or she is ‘Head of State and
Head of Government and Commander in-Chief of the Armed Forces’. further key duty of the President is to make appointments to various public offices, including the Chief Justice, Inspector-General of Police3 and the Auditor-General.

The appointments are made in consultation with the Council of State and approved by parliament. Beneath the President in the hierarchy is the Vice- President who is responsible for presidential duties if the President is unable to perform them. If the President dies, resigns, is removed from office, or is out of the country, the Vice-President takes over. If, for any reason, the Vice-President is unable to fulfil these duties, the Speaker shall assume them.
The Cabinet
The Cabinet is the responsible body for assist[ing] the President in the determination of general policy of the government. The Cabinet consists of the President, the Vice-President and not more than nineteen ministers of state. Ministers are appointed by the President with the approval of parliament to run the various ministries.10 The majority of the ministers must be Members of Parliament. A ministry is a specialised government body responsible for the functioning of a particular area of state. There are 21 Ghanaian Ministries, including the Ministry of Defence, the Ministry of Health and the Ministry of Education and Sport. Ministers are assisted in their duties by Deputy Ministers.
Regional Ministers
As cited in the constitution, it is the President, with the approval of Parliament, who appoints a Regional Minister for each of the regions of Ghana. It is the duty of the Regional Ministers to represent the President in the region. They are responsible for the coordination and direction of the administration in the region. 11Each Regional Minister is the chairman of the Regional Coordinating Council. The Regional Coordinating Council consists of the Regional Minister and his deputies, the Presiding Member and the District Chief Executive from each district in the region, two chiefs from the Regional House of chiefs, and the Regional Heads of the ministries.
Key Advisory Panels
The Executive also benefits from three key advisory panels: the National Security Council, the National Development Planning Commission, and the Council of State. Although their functions are distinct, they all serve to counsel the government, hold it to account and ensure it is functioning effectively. The National Security Council is responsible for safeguarding the internal and external security of Ghana. It aims to ensure the integration of domestic, foreign and security policy to allow the security services and other government departments to cooperate on matters of national security. The National Development Planning Commission analyses macroeconomic reform options and creates plans and policies for development. The Council of State is an advisory panel of prominent citizens of proven character. Its main function is to ‘counsel the President in the performance of his functions.’ The Council also advises public officials, including Ministers and Members of Parliament.
Accountability within the Executive

The Council of State
The Council of State has a key role in holding the Executive to account. The composition of the Council of State is important. It must include a former Chief Justice, a former Chief of Defence Staff of the Armed Forces, a former Inspector-General of Police, the President of the National House of Chiefs and an elected representative from each region of Ghana. Thus, in its recommendations, it not only has expertise and experience in several key areas of the state, it can also gauge the feelings of different regions.
Commission on Human Rights Administrative Justice (CHRAJ)
The Commission on Human Rights and Administrative Justice is the national human rights body which derives its authority from the constitution and an enabling Act of Parliament, Act 456 of 1993. It exists to protect fundamental human rights and to ensure good governance. The mandate of CHRAJ encompasses the national human rights institution, the Ombudsman (an agency which ensures administrative justice) and an anticorruption agency for the public good. Specifically, the CHRAJ mandate include “investigating complaints of violations of fundamental rights and freedoms, injustice, corruption, abuse of power and unfair treatment of any person by a public officer in the exercise of his official duties.” CHRAJ also investigates complaints concerning certain public bodies including the Public Services Commission, the administrative organs of state, the Armed Forces, the Police and Prisons Services in relation “to the failure to achieve a balanced structuring of those services.” In addition, it investigates complaints concerning practices and actions by persons, private enterprises and other institutions where those complaints relate to violations of fundamental human rights and freedoms. Additionally, CHRAJ investigates all instances of alleged or suspected corruption and reports to the Attorney-General and the Auditor-General.

The Commission annually gives account on its functions to parliament. It is headed by a Commissioner and two Deputy Commissioners who are all appointed by the President. CHRAJ has a national and a district representation which is created by Act 456. Each region and district is headed by a Regional and a District Director respectively. Their functions include receiving “complaints from the public in the region or district, making on-the-spot investigations as may be necessary; and discharge any other duties relating to the functions of the Commission that
may be assigned to him or her by the Commissioner.” CHRAJ has been granted the autonomy to initiate legal proceedings to support its recommendations. CHRAJ is able to “call for the remedying, correction and reversal of instances of abuse of power and human rights”19 through
means such as: bringing proceedings before a competent court in order to terminate the offending action or conduct; restraining the enforcement of such legislation or regulation by challenging its validity if appropriate; presenting cases before any Ghanaian court. CHRAJ’s authority to initiate civil action is an interesting and important feature. No Ombudsman system
anywhere has equal power. CHRAJ also has “special powers of investigation” such as issuing subpoenas and issuing prosecution of contemptuous persons.21 However, CHRAJ is not without restrictions. CHRAJ may not investigate matters which are pending before a court or judicial tribunal; a matter involving Ghana’s relations with other governments or international organisations; or a matter relating to the exercise of the prerogative of mercy. CHRAJ is bound to the traditional judicial process in Ghana which is said to have limited its ability to function effectively. CHRAJ is criticised as being unable to implement some of its recommendations. CHRAJ has limited financial autonomy; its funds are provided by parliament and charged on the Consolidated Fund. Limited resources and reliance on public funding limits its actual ability to act autonomously or effectively. It is unable to recruit the best staff and lawyers due to remuneration issues.
National Commission for Civic Education (NCCE)
The Constitution establishes the National Commission for Civic Education and provides for its functions leaving it to parliament to fill in the details. The Commission is responsible for creating awareness within the Ghanaian society on the constitution as “the fundamental law of the people of Ghana” whilst educating Ghanaians to defend the constitution at all times against all forms of abuse and violation. The Commission is also mandated to develop periodic awareness creation programmes on the constitution for the consideration of government at all levels with the purpose of ensuring the objectives of the constitution. It is responsible to develop, enforce and superintend programmes to instill in Ghanaians, awareness of their civic responsibilities and “an appreciation of their rights and obligations as free people.”

The NCCE consists of a chairman and two deputies who are appointed by the President on the advice of the Council of State. The NCCE is national in character as it is represented in all regions and districts by regional and district directors. The NCCE empowers citizens and ensures that they are informed about the role and duties of state institutions, so they can demand accountability from these institutions. NCCE is independent and insulated from ‘direction or control of any person or authority in the performance of its functions.’
Electoral Commission
One of the governance institutions under the 1992 Constitution of the Republic of Ghana is the Electoral Commission. It is established by Article 43 of the constitution. The mission of the Electoral Commission is to increase the development of Ghana by implementing free, fair, and transparent elections to encourage the advancement of good governance and democracy. The Electoral Commission consists of seven members: a chairman, two deputy chairmen and four other members. The Commission has both administrative and regulatory powers. It is also divided into two major functional divisions: Operations as well as Finance & Administration. Both are sub-divided into departments. As required by the 1992 Constitution, the Commission must have a representation in each administrative region and district of Ghana.

The Electoral Commission has to compile the register of voters, separate electoral boundaries, direct the conduct of all public elections and affairs relating directly to all elections in the country, educate the public about the electoral process and its purpose, and expand the registration of voters.The independence of the Commission is guaranteed in Article 46 of the constitution. Here, it is stated that in the performance of its functions, the Electoral Commission shall not be subject to control or direction by any person or authority.
Local Governance Structure and Accountability
The organisation of district assemblies is created by the Local Government Act of 1993. The districts that existed immediately prior to the establishment of the constitution in 1992 were to be used after its establishment. The President as an executive instrument may declare and name any area in Ghana to be a district. The Electoral Commission may recommend to the President that a district shall be established if the appropriate conditions exist. A district must have: at minimum a population of seventy-five thousand people; a municipality that consists of a single compact settlement with a minimum of ninety-five thousand people; a geographical contiguity and economic viability. In other words, the area should be able to provide, “basic infrastructural and other developmental needs from the monetary and other resources generated in the area”.
In the Ghanaian Constitution, there is a strong emphasis on devolving power away from a central government and into the hands of local authorities. To this end, each district in Ghana has a District Assembly. The Constitution states that ‘to ensure the accountability of local Government, people shall, as far as practicable, be afforded the opportunity to participate effectively in their governance’. For this purpose, members of a District Assembly are elected by citizens within their area. They are therefore directly accountable to these local people.

The District Assembly is responsible for formulating and executing plans, programmes and strategies for the effective development of the district. It also levies and collects taxes, rates, duties and fees. Each assembly is chaired by an elected Presiding Member. Each District Assembly also has an Executive Committee which is responsible for ensuring that the executive
and administrative functions of the assembly are successfully fulfilled. The committee is presided over by a District Chief Executive, who is responsible for the effective functioning of the assembly. He or she also oversees the implementation of government policy at the local level and is the main representative of the Central Government within the district. A District Assembly may delegate any of its functions to a Sub-metropolitan District Council, Town, Area, Zonal or Urban Council or Unit Committee or such other body as necessary.
The Legislature
As set out in the constitution, parliament is the legislative body of Ghana. The Legislature is the component of the Ghanaian state responsible for making laws, and hence law-making is parliament’s primary function. It does this by debating and passing bills, which are assented to by the President to become laws. The Speaker is in charge of all the proceedings of parliament. He or she ensures that parliamentary procedure and protocol are followed. The Speaker also acts as a spokesperson for the House in dealing with other state institutions, including the President. The amended Constitution stipulates that there must be ‘not less than two hundred and thirty elected members’ (MPs). In addition to his or her legislative duties, an MP also has a duty to represent his or her constituents and a duty to support his or her party. Due to the sheer volume of business that Parliament needs to conduct, it is impractical for the whole House to consider everything. Thus, MPs sit on numerous Committees which scrutinise different Bills, policy matters and other public issues in detail. There are three main types of Committees: ‘Standing Committees’, ‘Select Committees’ and ‘Ad Hoc Committees’. Standing Committees deal with aspects of business that are of continuing importance to the house. For example broad issues as gender and children, or rules which govern Members’ financial conduct. Select Committees have the responsibility to scrutinise the expenditure, the management and the policies of ministries, government departments and other public agencies.

An Ad Hoc Committee is established to investigate any matter of public significance or to scrutinise any bill that does not come under the remit of any of the existing Select Committees. Decisions within committees are made by a majority vote of the members. The additional functions of parliamentary committees are mandated by the Standing Orders of Parliament. Each committee has a specific function determined by its mandate. Select committees have the responsibility of overseeing specific ministries, departments and agencies. For example, there is a Committee on Health, a Committee on Foreign Affairs, a Committee on Land and Forestry etc. Standing committees such as the Gender and Children Committee have tailored mandates and thus, functions.
The Judiciary is the component of the Ghanaian state responsible for interpreting the law. The Constitution guarantees that the Judiciary ‘shall be independent and be subject only to [the] Constitution.’ It is therefore impartial. At the head of the Judiciary is the Chief Justice who is responsible for its administration and supervision.53 He or she is appointed by the President, acting in consultation with the Council of State and subject to parliamentary approval.
Judicial Council
The Judicial Council is responsible for administering justice as provided in the constitution of Ghana. The Judiciary works under the authority of the Chief Justice who also chairs the Council. The Council is meant to work independently in order to uphold the accurate interpretation of the constitution. The function of the Council includes: “proposing for the consideration of Government judicial reforms to improve the level of administration of justice and efficiency in the Judiciary.” In terms of accountability, the Judicial Council plays an advisory role and holds judges in check. It also performs other functions relating to the appointment and removal of judges and other staff of the Judicial Service. The Ghanaian Judiciary has two strata of courts: the Superior Courts and the Lower Courts. The Superior Court of Judicature consists of: the Supreme Court, the Appeal Court, the High Court and the Regional Tribunals. The Supreme Court is the highest court of appeal in Ghana. It also has exclusive jurisdiction over constitutional matters and has supervisory jurisdiction over all other courts in Ghana.
The Supreme Court
The Supreme Court consists of the Chief Justice and at least nine other presidentially-appointed Justices. Beneath the Supreme Court is the Appeal Court, which serves as the appellate body for all of Ghana’s High Courts, Regional Tribunals and Circuit Courts. It has no original jurisdiction; it only deals with hearing cases that have already been heard by another court.
The High Court
The High Court is next in the judicial hierarchy and has original jurisdiction over all matters, criminal and civil. It also serves as the appellate body for all judgements made in the Lower Courts, over which it has supervisory jurisdiction. The High Court is also responsible for enforcing the Fundamental Human Rights and Freedoms guaranteed by the constitution. Regional Tribunals provide the final component of the Superior Courts. They have specialised criminal jurisdiction, extending to the power to try offences in the public interest against the state. Currently, Regional Tribunals are only operating in Accra and Tamale, as those previously operating in Kumasi, Takoradi and Bolgatana have been turned into High Courts. Beneath the Superior Courts are the Lower Courts, consisting of Circuit Courts and District Courts. Each Circuit Court is presided over by a Circuit Judge. The jurisdiction of a Circuit Court includes civil action arising under contract or tort, recovery of small claims and cases pertaining to land law.

Circuit Courts also have jurisdiction over probate and wills, and matters relating to the custody of children. The majority of cases in Ghana are handled by District Courts. Such courts have civil jurisdiction over any personal action arising under contract or tort and any actions related to land law, up to a certain value. In criminal matters, District Courts have jurisdiction to try summarily any offence punishable by a fine not exceeding 500 penalty units or imprisonment for a term not exceeding 2 years. District Courts can also serve as a Juvenile Court or a Family Tribunal. The former hears any criminal or civil matter concerning a person under the age of eighteen; the latter deals with actions arising under the Children’s Act 1998.
Fast Track High Court
The Fast Track High Court is a division of the High Court and operates under an electronic case flow management system. It has six judges sitting at a time in Accra. It hears certain types of cases, approved by the Chief Justice, including Commercial, Land, Revenue, Human Rights, Environmental, Bank, Investment, Defamation, Prerogative Applications, and Criminal Cases.
Commercial Court
The Commercial Division of the High Court is mandated to deal exclusively with matters of commercial nature. It has a semi autonomous status, to enable its efficiency and effectiveness. The difference between this court and the existing High Courts is that it is limited to commercial disputes.

The Human Rights Court determines human rights related cases pursuant to Chapter 5 of the 1992 constitution.

Feel free contact, Bandar Bin Shamal Lawyers & Legal Consultants 030-2200929, 0207932977

Collective Bargaining-a time tested approach to solving labour disputes

3d Judges gavel and law books

 Collective bargaining refers to the negotiation process between a union (on behalf of the bargaining unit it represents) and an employer to work out an agreement that will govern the terms and conditions of the workers’ employment. The agreement reached through this negotiating process is called a collective bargaining agreement (CBA).

The National Labor Act requires a duly elected union and an employer to meet and negotiate over wages, hours, and other employment terms, as well as to negotiate over issues that may arise under an existing CBA. The two sides don’t have to reach an agreement, but they always have to bargain in good faith. Although neither side is required to make a particular concession, a party that refuses to bend on a single issue or to put any offer on the table might be acting in good faith.
Employer Duty to Supply Information
Employers have a clear bargaining advantage over the union or association in one important respect: Employers have access to more information. Although the union or association can poll its members to find out what they know, the employer is almost always better informed about a variety of issues, especially the company’s financial picture.
To level the playing field a bit, the National Labor Commission and the courts require employers to make certain types of information available to the union during the collective bargaining process. For example, if an employer claims that financial problems prohibit it from granting a requested wage increase, the union has the right to request and review documents that support the company’s claims. Similarly, employers may have to supply the union with current employee salary and benefit data so the union can base its demands on accurate information.
Mandatory Bargaining Issues
An employer doesn’t have to bargain over every conceivable employment issues. However, employers must bargain with the union over issues that are central to the employment relationship, such as wages, hours, and layoff procedures. Employers must give the union advance notice of any proposed workplace changes that involve these issues, if the union requests it. An employer who refuses to bargain or takes unilateral action in one of these mandatory bargaining areas commits an unfair labour practice.
Given these dire consequences, you might think that there would be a clear list of mandatory bargaining topics included in labor laws. But that’s not the case. Although there is general agreement that mandatory bargaining is required on some issues — including wages, hours, layoff procedures, production quotas, and other substantial work rules — many other issues fall into a gray area.
Part of the problem is that some subjects may or may not qualify as mandatory bargaining topics, depending on the reasons for the employer’s action. For example, if the employer decides to close a plant in order to avoid paying union wages, that might be a mandatory bargaining topic. But if the employer bases its decision on concerns unrelated to the union — for instance, if the employer’s customer base in the area has dried up or the employer can reap significant tax advantages by moving to another location — the employer might not have to bargain the issue.
What Happens If Employers Act Unilaterally
Before changing a workplace rule or policy that clearly requires bargaining (such as adjusting pay scales or revamping a seniority system), a company must ask the union to negotiate. mandatory bargaining applies whether the changes will benefit or harm workers. In other words, a company cannot give an across-the-board pay raise or offer more generous paid leave on its own initiative without consulting with the union.
Sound silly? Consider that some employers make positive changes on their own to convince workers that they don’t need a union. And, some employers might try to disguise a controversial changes as a “benefit” (for example, by linking a wage increase to higher production rates). Yet, the process of bargaining on mandatory topics isn’t as onerous as it might sound. In the real world, if the proposed change is beneficial, the union it likely to agree to it without a lengthy negotiating session. And, by seeking the union’s approval, an employer can avoid a claim that it committed an unfair labor practice.
Feel free to contact us @ Bandar Bin Shamal Lawyers & Legal Consultants, 0207932977, 0302200929

FREE LEGAL ADVICE! How to Write a Will


Many people I have met think that wills are only for the rich. I do not have a lot of property, why should I worry about having a will. Some people just do not like to think about dying and drafting a will seems morbid. If you do not execute a will before you die, you die intestate. Dying intestate means that what property you have will be divided among your remaining relatives by the laws of intestate succession. In some cases your wealth is misused by distant relatives whilst your children are left in pain. Please read this free legal advice to the end and save your children tomorrow.
Decide what property to include in your will. …
Decide who will inherit your property. …
Choose an executor to handle your estate. …
Choose a guardian for your children. …
Choose someone to manage your children’s property. …
Make your will. …
Sign your will in front of witnesses. …
Store your will safely.

How to Write a Will
As mentioned earlier on, a will is something that most people don’t want to think about, especially when they’re young. In fact, the typical person does not consider making out a will until he or she is almost fifty. However, many legal advisers say that a will should be made out much sooner. Here are some ideas that will spell out some of the most important aspects of writing a will, along with several tips to make sure that the process is smooth and done well.
The steps are:
1.Hire a lawyer. A lot of times, people are hesitant to do this and look to other means, but there are several reasons why this is a good start. Lawyers provide an outside perspective, and can mediate what is happening to make sure it is correct. Also, with their training, they should be able to foresee legal troubles that certain wording and phrasing could result in. Most importantly though, they can ensure your will is valid in its creation and properly witnessed. When choosing an attorney, it is good to ask people you know if they have had any good experiences with specific attorneys. Make sure to ask any questions you may have on your mind to your attorney, since some lawyers may not be able to spot certain family issues that others will, if any exist.
oThere are also very involved situations, such as passing money to a child, that may involve setting up something called a trust, and for this an attorney will be extremely helpful. A trust allows you to allot money in portions or at a certain point of time. It can let you outline a plan for how money is used in regards to education, purchasing a home, what happens in the case of substance abuse, and so on.
2. When writing the will, be specific and clear in your wording. This is especially true if there is a complex family situation in your life, such as having multiple children with multiple partners. and being sure to proofread, will reduce hard feelings in the future, and reduce the legal hardships that may arise (or if they do arise, make it more certain that the rightful inheritor gets what they deserve).
3. Do a little preparatory work. Doing so prior to drafting a will can make this all much easier.
4. Before you start writing, make a list of those inventories and categorizes all your assets; then prepare a list that includes all of your chosen beneficiaries and your family members. Being prepared will reduce your stress, and also make it easier to clearly outline what you want to happen to your assets if you die.
5. There is certain software that can aid you in making things clear and properly organized within your will. Using such software can also be very helpful when contacting an attorney to enlist their expertise.
6. Certain things are important to research: not just blindly distributing assets. First, you should consider how taxes will factor into the things you are willing away. This can be complex, depending on the person and their situation, so legal guidance should be sought out to ensure you do not miss anything.
O Something else that is important, and some people are not aware of, is that life insurance policies, and IRA accounts sometimes have supplemental beneficiary forms that override wills. These are helpful in and of themselves, as they can make it quick and effortless to make changes, however-but be aware of their implications when writing your will.
7. Realize that a will isn’t just for allocating your assets and taking care of your kids; you have the ability to do many other things. For example, you can make contributions to charities that you would like to support. You can also donate your organs, or decide exactly how you want certain aspects of your funeral to be carried out.
8. Consider this separate form of will called a “living will” that allows you to decide your preference for continuing life support should you come to such a stage in your life. Considering all the things you can and cannot do with your will can ensure that you cover all bases and make the most out of your assets.
9.The most important thing to know about a will, however, is that the best time to write one is now. You never know when something bad may happen to you, and so it is best be prepared for anything. Spending a little bit of money and time on creating one will be an investment for the future that ensures everything you own will be properly distributed as you see fit.
Thank you! I hope you have enjoyed this piece.
Feel free to contact me @ Bandar Bin Shamal Lawyers & Legal Consultants +233207932977

Crown University College is now Hiring Faculty Members…email CV via


Crown University College is now Hiring Faculty Members…qualifications: a good Master’s, Mphill, PhD/JD in:

1. Finance,Accounting, Economics, Law, Business &  Management related etc

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3. School of Law (LS)

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Get Chartered as a Consultant or Fraud Examiner-Ch.CC or CFE Designations

Crown University College,Ghana


May-June admissions opened in readiness for the Ch.CC & CFE November Professional Examinations from any PEARSON testing centre around the world. Be an ISO Certified Chartered Certified Consultant-Ch.CC or Chartered Fraud Examiner-CFE now!

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Get Chartered as a Consultant or Fraud Examiner-Ch.CC or CFE Designations


May-June admissions opened in readiness for the Ch.CC & CFE November Professional Examinations from any PEARSON testing centre around the world. Be an ISO Certified Chartered Certified Consultant-Ch.CC or Chartered Fraud Examiner-CFE now!

 Website:, Mobile: 0207932977, Office Line: 03720-25575, Email:, Address: P. O. Box YK 1487, Kanda Accra-Ghana

 Accra Headquarters: FAACO COMPLEX BUILDING, Opposite Police Depo-Tesano
 Tamale Office-Centre for National Culture Building Complex-Tamale
 Upper West Regional Office: Opposite ASUDEV-Tumu-Bolga road, Egala Street

 Accredited by Legislative Decree, 1973 (NRCD Act 143 PB. N0 64)
 Member, Association of Recognized Professional Bodies (ARPB)
 Recognized by Bandar Bin Shamal Lawyers & Legal Consultants
 Accredited by International Accreditation Organisation (IAO)
 Registered and Approved by the Trade Union Congress (TUC) as a Labour Union
 Examinations & Education Conducted by PEARSON VUE in Europe, Asia, USA, Africa, Middle East etc
 All courses Accredited & Approved for GS ISO 9001 Certification and for ISO 29990 Certified Training Provider

Big opportunity for top banking careers-enroll today for AAFM Chartered programmes.



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CONGRATULATIONS! for passing CWM stringent EXAMS


CONGRATULATIONS! for passing CWM stringent EXAMS

Its all over! Our candidates at the Tamale Campus have made it beyond the greasy pole. Congrats! Const. Abdul Basit Abdulai for successfully PASSING the stringent CHARTERED WEALTH MANAGER examination.

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