Contextualized Learning
We anchor every session in real Ghanaian examples, from cocoa pricing swings to school fee schedules. Participants see themselves in the scenarios, which accelerates adoption.
Our Journey toward Financial Resilience
Forgehorizones was founded in 2023 in Kumasi to respond to a clear need: flexible financial learning that matches the fast-changing realities of Ghanaian households and small enterprises.
1 Year
Experiencing rapid learning cycles with Ghanaian communities
5 Regions
Piloting adaptive habit programs across Ashanti, Greater Accra, Bono, Northern, and Western
Why We Exist
Volatile expenses, seasonal income, and sudden economic shifts have made it difficult for many households to maintain consistent saving behavior. We created Forgehorizones to blend cultural insight with quantified data, ensuring learning feels personal and actionable.
Data Confidence
Our dashboards ingest aggregated metrics and visualize how minor habit changes influence liquidity and debt coverage, allowing learners to track progress without complexity.
Privacy First
We anonymize participant inputs, secure traffic via Cloudflare, and align with the Ghana Data Protection Act to ensure trust when sharing personal figures.
How We Operate
Our approach combines live facilitation with digital assets that learners can revisit. Each cycle includes diagnostic surveys, adaptive pathways, and guided reflections.
01
Discovery
We conduct structured interviews with households, micro business owners, and cooperative leaders to understand cash flow rhythms and pain points.
02
Design
Our analysts convert discovery insights into modular exercises, embedding translation support and offline-friendly printouts.
03
Delivery
Sessions are run through hybrid formats, mixing in-person clinics with remote check-ins so participants stay supported throughout the month.
04
Feedback
We highlight wins and frictions every 14 days, adjusting the curriculum swiftly while documenting what worked for future participants.
Our Milestones
- Q1 2023: Incorporated in Kumasi and launched the first pilot with 24 households focusing on expense visibility.
- Q3 2023: Expanded to Accra, partnering with two youth innovation hubs to localize content for urban micro-businesses.
- Q1 2024: Deployed Cloudflare security to safeguard participant portals and analytics dashboards.
- Q2 2024: Introduced emergency readiness simulations integrating local emergency service contacts and microinsurance conversations.
Research and Insights
Our research function compiles data from national surveys, private sector reports, and participant inputs. We translate findings into implementable actions.
| Research Area | Key Finding | Action |
|---|---|---|
| Household Shock Absorption | Average household can absorb 1.3 months of expense without new income. | Encourage layered emergency funds separated into essential categories. |
| Digital Payment Gaps | Rural participants rely on mobile agents with limited receipt issuance. | Provide printable reconciliation logbooks and agent engagement scripts. |
| Financial Literacy Channels | Radio remains the most trusted medium for financial updates. | Design audio-ready key messages and share through partner stations. |
Commitment to Communities
We dedicate time each quarter to volunteer with community savings groups, providing open clinics for budgeting, emergency preparation, and safe borrowing practices. Our team ensures language accessibility, offering content in English, Twi, and Dagbani where needed.
Feedback from these engagements feeds directly into our product backlog, enabling us to keep learning experiences relevant and respectful to cultural contexts.