Who We Are

Ethica Finance Limited is licensed non-interest money lending institution offering ethical financial services that are fully compliant with Islamic finance principles. Our solutions promote financial inclusion, empowerment, and community development without the burden of riba, (interest), or predatory lending practices.

  1. Home
  3. About us
Core Values

Simple, Transparent, and 100% Interest-Free Financing

To deliver Shariah-compliant, customer-focused, and socially responsible financial services that improve lives and businesses.

To be Nigeria’s leading provider of ethical and inclusive financial solutions.

Integrity | Transparency | Equity | Compliance | Empowerment

Team Members

Get to know our amazing team

At Ethica, we are led by a team of seasoned professionals passionate about ethical finance and inclusive economic growth. Our Board and Executive leaders are experianced financial experts with experiance accross Nigeria's bank and finance space, including ethical and Shariah Compliant finance. They include:

Dr. Abusalimah Mohammed

Chairman, Board of Directors

Hauwa Ibrahim

Managing Director

Umar Garba

Head, Operations & Compliance

Reliable choice

Why choose us

Simple, Transparent, and 100% Interest-Free Financing

100% Interest-Free

No riba, no compounding interest—just fair, ethical financing.
Shariah-Compliant

Structured using approved Islamic finance principles like Murabaha and Qard Hassan.
Transparent Terms

Clear repayment plans with no hidden fees or surprise penalties.
Social Impact Driven

We finance with purpose—to empower people, not profit from their hardship.