Mr. Thomas T. Essel

Mr. Thomas T. Essel is the Secretary General of the African Rural and Agricultural Credit Association (AFRACA), an association of over a hundred financial institutions in Africa promoting agriculture, headquartered in Nairobi. He has many years of experience in Economic and Development issues and has provided leadership in Collaborative programmes with governments, Development Partners and Private Sector.
Prior to joining AFRACA, he worked in Bank of Ghana for many years, holding different positions, including Head of the Bank of Ghana-initiated “Ghana Incentive-Based Risk-Sharing System for Agricultural Lending” (GIRSAL)
Mr. Essel has considerable experience in policy in the banking and public sectors as well as extensive experience in research, international relations and rural finance. He holds a Masters’ Degree in Development Studies from the University of Cape Coast, Ghana.