Business Financing
Flexible financing designed to support entrepreneurs, traders and small businesses.
Learn MoreMEDEF Microfinance Bank Ltd is committed to empowering individuals, salary earners, entrepreneurs and businesses through innovative, ethical and technology-driven financial solutions that promote financial inclusion and sustainable community development.
We are committed to delivering ethical, technology-driven financial services that empower individuals, entrepreneurs, businesses and communities while remaining true to the principles of non-interest banking.
Fully licensed and regulated by the Central Bank of Nigeria.
Eligible deposits are protected by the Nigeria Deposit Insurance Corporation.
Financial solutions built on ethical, transparent and non-interest principles.
Access your finances securely anytime through our mobile banking services.
Supporting financial inclusion for individuals, SMEs, farmers and cooperatives.
Ethical financing solutions designed to help businesses and individuals grow.
Enjoy convenient, secure and reliable banking wherever you are. Our digital banking platform gives you instant access to your accounts, transfers, bill payments and more, putting MEDEF in your pocket 24 hours a day.
Whether you're growing a business, managing your salary, saving for the future or expanding your farm, MEDEF offers ethical, non-interest financial solutions tailored to help you achieve your goals.
Flexible financing designed to support entrepreneurs, traders and small businesses.
Learn MoreQuick access to ethical financing for salary earners with convenient repayment plans.
Learn MoreSupporting farmers and agribusinesses with financing that promotes sustainable agricultural growth.
Learn MoreSecure savings solutions that help you build a better financial future.
Learn MoreConvenient banking for businesses and individuals with reliable day-to-day account management.
Learn MoreAccess your account anytime through our secure mobile banking platform and USSD services.
Explore Digital Banking
MEDEF Microfinance Bank Ltd is a licensed Non-Interest Microfinance Bank committed to providing ethical, innovative and technology-driven financial solutions that promote financial inclusion and sustainable economic growth.
We exist to empower individuals, entrepreneurs, salary earners, farmers and businesses by providing transparent financial services built on trust, integrity and shared prosperity.
To provide fast, accessible and ethical financial services powered by innovation.
To redefine inclusive finance through technology-driven, non-interest banking.
Our Board of Directors and Executive Management are committed to providing sound governance, strategic direction and ethical leadership that drive sustainable growth and financial inclusion.
Placeholder profile for the Chairman. This section will contain a brief introduction highlighting leadership experience, governance philosophy and commitment to advancing MEDEF Microfinance Bank Ltd's vision of ethical, non-interest banking and community development.
Muhammad Lawal Usman is an accomplished banking executive with over 27 years of experience in commercial banking, microfinance, and non-interest banking. He currently serves as the Managing Director/Chief Executive Officer of MEDEF Non-Interest Microfinance Bank Limited, where he provides strategic leadership, drives institutional growth, ensures regulatory compliance, and champions financial inclusion through ethical and Shariah-compliant financial services.
He holds a Bachelor of Science (B.Sc.) in Economics from Ahmadu Bello University, Zaria; a Master of Business Administration (MBA); a Master's Degree in Islamic Banking and Finance (MIBF); and a Professional Certificate in Islamic Banking and Finance from Bayero University, Kano. He is also a Certified Microfinance Banker (MCP) and a member of the Chartered Institute of Bankers of Nigeria (CIBN).
Before joining MEDEF Non-Interest Microfinance Bank, he served as the Managing Director/Chief Executive Officer of Giwa Microfinance Bank Limited and Bompai Microfinance Bank Limited. Earlier in his career, he held key leadership positions in Grassroot Microfinance Bank Limited, BankPHB Plc, and Habib Nigeria Bank Limited, building extensive expertise in executive management, credit and risk management, retail banking, branch operations, and business development.
Over the years, Muhammad has participated in numerous executive and professional development programmes covering corporate governance, risk management, agricultural finance, banking operations, customer relationship management, and leadership. His commitment to professionalism, ethical banking, innovation, and sustainable financial services has earned him respect across Nigeria's banking industry.
Muhammad Lawal Usman is married and blessed with children. Outside his professional responsibilities, he enjoys reading, travelling, gardening, and fish farming. He remains passionate about advancing non-interest banking, strengthening microfinance institutions, and expanding access to inclusive financial services that empower individuals, businesses, and communities.
Read our latest announcements, financial insights, community initiatives and important updates from MEDEF Microfinance Bank Ltd.
Announcement
MEDEF Microfinance Bank Ltd proudly celebrates a remarkable milestone as our esteemed Chairman, Dr. Ahmad Umar Abdullahi, Ph.D., was honoured with the prestigious traditional title of Jagaban Misau by His Royal Highness, Alhaji Ahmed Suleiman (mni), the Emir of Misau, during a grand turbaning ceremony held on 11 July 2026 at the Misau Emir's Palace.
Read More
Community
MEDEF continues to empower entrepreneurs with accessible non-interest financing that promotes sustainable business growth.
Read More
Digital Banking
Download the MEDEF Mobile App and enjoy secure, convenient banking wherever you are.
Read More