Liberia Launches Landmark Financial Schemes for Civil Servants in a Historic Public-Private Partnership

In a historic move to strengthen the welfare and financial empowerment of Liberia’s civil servants, Afriland First Bank Liberia, in collaboration with the Civil Service Agency (CSA), today officially launched the 50% Salary Advance Facility and the Long-Term Loan Program (3–5 years). 
The event, attended by top government officials, civil servants, and banking executives, marks a milestone in public-private partnership and employee-focused governance.

Mr. Michel Doriand Pedie, CEO of Afriland First Bank Liberia, highlighted the significance of the initiative, describing the programs as tools of trust, support, and respect for civil servants. 
“These products are not only about loans,” he said. “They are about helping workers meet urgent needs, supporting families during difficult times, and giving access to clean, safe, and affordable credit.”

The Salary Advance Scheme allows civil servants to access up to 50% of their monthly salaries whenever necessary, providing financial relief without the burden of predatory interest rates. 
The Long-Term Loan Program, repayable over three to five years, will enable employees to invest in small businesses, home construction, education, agriculture, and other income-generating activities.
Honorable Richard Nagbe Koon, Speaker of the House of Representatives, described the schemes as transformative, noting their potential to stimulate the local economy and improve household financial stability.

“When civil servants prosper, communities prosper,” he said. “These initiatives reflect the government’s commitment to pro-worker, pro-family, and pro-growth policies.” Dr. Josiah F. Joekai Jr., Director-General of the Civil Service Agency, emphasized the broader context of these programs within ongoing civil service reforms.  Over the past year, the CSA has ensured timely payment of salaries, integrated volunteer teachers and health workers into the national payroll, and introduced innovative systems such as the Automated Legal Power of Attorney Platform and a computerized civil service examination system. 

“We are building a civil service that honors its people, inspires excellence, and empowers every worker to believe again,” Dr. Joekai said. He noted that this expansion to AfriLand First Bank branches across more than 10 counties ensures nationwide access, promoting inclusion and fairness for rural and urban workers alike. For the first time in Liberia’s history, civil servants will have access to long-term loans coupled with investment advisory support, enabling sustainable wealth creation for families and communities.

The launch signifies a major step in Liberia’s efforts to modernize government services, enhance transparency, and strengthen the financial well-being of public sector employees. “This is more than a launch; it is a declaration,” Dr. Joekai concluded. “Civil servants are the backbone of the state. Welfare, fairness, and empowerment are not privileges—they are rights. Today, we stand with our workers, every month, every year, every step of the way.”

Cooper K. Sangar