FLOXENTRA

Your Money, Your Rules

Take control of your financial journey with personalized budgeting, savings plans, and expert guidance. Your path to financial freedom starts here.

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About FLOXENTRA

Founded in 2018, FLOXENTRA emerged from a vision to transform how people in Ghana and across Africa manage their finances. We recognized a gap in financial literacy and accessible tools that empower individuals to take control of their financial destiny. Our team of financial experts, technologists, and educators came together with one mission: to democratize financial knowledge and provide practical tools for everyday money management.

What sets FLOXENTRA apart is our deeply personalized approach to financial management. We understand that each person's financial journey is unique, with different goals, challenges, and starting points. That's why we've developed adaptive solutions that grow and evolve with you, providing relevant guidance at every stage of your financial life.

FLOXENTRA team of financial experts
Happy client reviewing financial progress

Today, FLOXENTRA serves thousands of clients across Ghana and neighboring countries, helping them build savings, reduce debt, and create sustainable financial habits. Our workshops have become community touchpoints where knowledge is shared, questions are answered, and financial confidence is built. We believe that financial empowerment is not just about numbers—it's about creating peace of mind and opening possibilities for a better future.

As we look to the future, FLOXENTRA continues to innovate with new digital tools, expanded educational resources, and community initiatives that address the evolving financial landscape. Our commitment remains unwavering: to put you in control of your money, with rules that work for your unique life journey.

Our Services

Personalized Budgeting Service

Personalized Budgeting

Our tailored budgeting solutions adapt to your income patterns, essential expenses, and financial goals. We don't believe in one-size-fits-all approaches. Instead, we analyze your specific financial situation to create a budget that's realistic, flexible, and designed to help you succeed. Our interactive tools adjust as your life circumstances change, ensuring your budget remains relevant and effective.

Custom Savings Plans

Custom Savings Plans

Whether you're saving for a home, education, retirement, or emergency fund, our savings plans help you reach your goals faster. We incorporate behavioral economics principles to make saving automatic and painless. Our system celebrates your milestones and provides motivation during challenging periods, keeping you on track toward financial security and your most important life goals.

Debt Management Solutions

Debt Management

Free yourself from the burden of debt with our strategic debt reduction programs. We help you prioritize debts, negotiate with creditors when possible, and create a systematic approach to becoming debt-free. Our clients report not just financial relief, but emotional freedom as they watch their debt burden diminish month by month through our visual tracking tools and supportive guidance.

Financial Literacy Programs

Financial Literacy Programs

Knowledge is power, especially when it comes to finance. Our educational programs demystify complex financial concepts and provide practical knowledge you can apply immediately. From understanding investment basics to navigating insurance options, our courses are designed to build your financial confidence and competence in an accessible, jargon-free environment.

Digital Expense Tracking

Digital Expense Tracking

Our intuitive expense tracking tools give you real-time insights into your spending habits. Easily categorize expenses, identify patterns, and spot opportunities for savings. The platform syncs across all your devices, allowing you to capture expenses on the go and maintain a complete picture of your financial activity without tedious manual entry or complicated spreadsheets.

One-on-One Financial Coaching

One-on-One Coaching

Sometimes you need personalized guidance to navigate complex financial decisions. Our certified financial coaches provide confidential, judgment-free consultations to address your specific concerns and opportunities. Whether you're facing a financial crossroads, planning a major life change, or simply want to optimize your current strategy, our coaches offer clarity and actionable advice.

Weekly Workshops

Join our practical financial education sessions designed to build your skills and confidence

Budgeting Basics Workshop

Budgeting Basics

Every Monday, 5:30 PM - 7:00 PM

Start your week with a solid foundation in personal budgeting. This hands-on workshop helps you create a customized budget that actually works for your lifestyle. You'll learn practical techniques for tracking expenses, setting realistic spending limits, and finding extra money in your current budget. Perfect for beginners and those looking to refine their budgeting approach.

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Debt Freedom Workshop

Path to Debt Freedom

Every Wednesday, 6:00 PM - 7:30 PM

Break the chains of debt with our strategic approach to debt elimination. This workshop covers prioritization methods like debt snowball and avalanche, negotiation techniques for creditors, and psychological strategies to stay motivated. You'll leave with a personalized debt freedom plan and access to our debt tracking tools to monitor your progress.

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Savings Strategies Workshop

Savings Strategies That Stick

Every Friday, 5:00 PM - 6:30 PM

End your week by setting up savings systems that work automatically. This popular workshop explores behavioral science behind successful saving and introduces various savings vehicles appropriate for different goals. Participants practice calculating realistic savings targets and learn to overcome common obstacles to consistent saving habits.

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Investment Fundamentals Workshop

Investment Fundamentals

Every Saturday, 10:00 AM - 12:00 PM

Demystify the world of investing in this beginner-friendly weekend workshop. We cover the basics of different investment types, risk assessment, and how to start investing with any budget size. This interactive session includes simulation exercises and case studies to build your confidence in making informed investment decisions aligned with your long-term goals.

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Meet Our Financial Experts

Ama Darko - Lead Financial Advisor

Ama Darko

Lead Financial Advisor

With over 15 years of experience in personal finance management, Ama specializes in creating tailored budgeting strategies for diverse income levels. Her workshops consistently receive top ratings for making complex financial concepts accessible and actionable. Ama holds certifications in Financial Planning and Consumer Financial Education.

Kwame Osei - Debt Management Specialist

Kwame Osei

Debt Management Specialist

Kwame has helped hundreds of clients become debt-free through his strategic approach to debt elimination. His background in banking gives him unique insights into credit systems and negotiation techniques. Kwame leads our Wednesday debt freedom workshops and provides one-on-one coaching for complex debt situations.

Nana Akua - Savings and Investment Coach

Nana Akua

Savings and Investment Coach

Nana combines her background in behavioral economics and investment analysis to help clients build sustainable saving habits and make confident investment decisions. Her weekend workshops on investment fundamentals are particularly popular among young professionals looking to build wealth strategically over time.

Our Mission

At FLOXENTRA, our mission transcends mere financial management. We are committed to fostering true financial empowerment for all people, regardless of their starting point or background. We believe that financial control is a fundamental right and a pathway to broader life opportunities and choices.

We work to dismantle the barriers that have traditionally made financial education inaccessible to many communities. By combining technology with human guidance, we create solutions that meet people where they are and provide practical tools for immediate implementation. Our approach acknowledges the emotional aspects of money management, addressing not just the numbers but the habits, beliefs, and behaviors that influence financial decisions.

Through our services and community engagement, we aim to create a future where financial stress is replaced by financial confidence, where debt cycles are broken in favor of wealth-building, and where everyone can make money decisions aligned with their unique values and goals. This is what we mean by "Your Money, Your Rules" – empowering you to define financial success on your own terms and providing the tools to achieve it.

FLOXENTRA community financial workshop

Our Financial Research

Spending Patterns Research

Spending Patterns Across Demographics

Our research team conducts ongoing studies of spending behaviors across different age groups, income levels, and regions in Ghana. These insights inform our budgeting recommendations and help identify common financial challenges faced by specific demographics. Our most recent findings highlight the growing impact of digital payments on spending control and budget awareness among urban professionals.

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Savings Behavior Research

Behavioral Economics of Saving

This groundbreaking study explores the psychological factors that influence saving decisions and long-term financial planning. We've identified key behavioral triggers that can increase saving rates by up to 27% through simple interventions. These findings have been incorporated into our savings programs and workshop curricula, helping clients overcome common psychological barriers to consistent saving.

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Digital Banking Adoption Research

Digital Banking Adoption in Ghana

Our collaborative research with technology partners examines the growing adoption of digital banking solutions across Ghana and their impact on personal financial management. The study highlights opportunities and challenges in the digital financial ecosystem, with particular attention to accessibility concerns for various population segments and recommendations for more inclusive fintech development.

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Financial Literacy Impact Research

Impact of Financial Education

This longitudinal study measures the real-world outcomes of structured financial education programs like those offered by FLOXENTRA. Following participants over a three-year period, we've documented significant improvements in debt reduction, emergency savings accumulation, and financial confidence. The research highlights the most effective educational approaches for lasting behavioral change in personal finance.

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Financial Resources

Valuable tools and information to support your financial journey

Financial Calculators

Access free online calculators for budgeting, loan repayment, retirement planning, and more. These tools help you visualize different financial scenarios and make informed decisions.

Explore Calculators

Financial Education Library

Our curated collection of articles, guides, and videos covers essential financial topics from basic budgeting to advanced investment strategies.

Browse Library

Budgeting Templates

Download customizable budgeting spreadsheets and templates to track your income, expenses, and savings goals with ease.

Download Templates

Financial Podcasts

Listen to recommended podcasts that offer practical financial advice, success stories, and expert interviews to inspire your financial journey.

Listen Now

Bank Comparison Tool

Compare banking services, fees, and interest rates across major Ghanaian banks to find the best financial products for your needs.

Compare Banks

Recommended Finance Apps

Discover our top-rated mobile applications for expense tracking, automated savings, investment management, and financial goal setting.

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Success Stories

Debt-Free Ghana Initiative

Debt-Free Ghana Initiative

Our flagship community project has helped over 500 families become completely debt-free within 24 months. Through structured debt elimination plans, financial education, and peer support groups, participants reduced their debt by an average of 75% in the first year alone. The program continues to expand to new communities across Ghana.

Debt Management Community Impact
Youth Financial Literacy Program

Youth Financial Literacy Program

Our educational initiative in partnership with local schools has reached over 5,000 students aged 12-18. The curriculum includes practical money management skills, entrepreneurship basics, and saving habits. Post-program assessments show a 65% improvement in financial knowledge and 40% of students starting their first savings accounts.

Education Youth Development
Small Business Financial Empowerment

Small Business Financial Empowerment

This specialized program helps local entrepreneurs manage business finances effectively. Through tailored workshops and one-on-one coaching, participants learn cash flow management, pricing strategies, and sustainable growth planning. The program has supported over 200 small businesses, with 85% reporting improved profitability within six months.

Entrepreneurship Business Finance

Latest Financial News & Updates

Digital Banking Trends

June 15, 2023

Digital Banking Adoption Soars in Ghana

Recent data shows that digital banking usage has increased by 45% in the past year across Ghana, with mobile money transactions reaching record volumes. This shift is transforming how people manage daily finances and creating new opportunities for financial inclusion. Our experts analyze what this means for personal budgeting and financial security.

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New Financial Policies

May 28, 2023

New Policies to Support Small Savers

The Central Bank has announced new measures aimed at encouraging saving among low and middle-income earners. These include reduced minimum balance requirements and special interest rates for first-time savers. FLOXENTRA's analysis shows these changes could benefit up to 2.5 million Ghanaians and significantly improve household financial resilience.

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FLOXENTRA Workshop Expansion

April 10, 2023

FLOXENTRA Expands Workshop Program

In response to growing demand, we're excited to announce the expansion of our workshop program to include specialized sessions for entrepreneurs, retirement planning, and property investment. The new workshops will be available both in-person and through our digital platform, making financial education more accessible across Ghana.

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FLOXENTRA Mobile App Launch

March 5, 2023

Coming Soon: FLOXENTRA Mobile App

We're thrilled to announce the upcoming launch of our mobile application, designed to bring FLOXENTRA's financial tools directly to your smartphone. The app will feature expense tracking, budget management, savings goals, and direct access to our educational resources. Beta testing begins next month, with full release scheduled for August 2023.

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Get In Touch

Contact Information

18 Independence Ave, Accra, Ghana

+233 30 224 5560

info@floxentra.com

Monday - Friday: 8:00 AM - 6:00 PM
Saturday: 9:00 AM - 2:00 PM

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