The people behind the structure.
Miziba Infrastructure Ltd and JNI AGRI Ltd operate as two related but separately incorporated companies. The leadership team spans both, with structural separation of duties across verification (Miziba) and aggregation (JNI AGRI).
The verification team.
The team that operates the verification, escrow, and settlement layer — the institutional architecture that connects independent traders to institutional bank capital under bank-grade auditability.
Joel NtiAmoah Marfo
Joel founded Miziba Infrastructure Ltd to operationalise what the JNI AGRI Ltd track record proved: African commodity finance has a verification problem, not a credit problem. He is the architect of the TradeAxis Secured Commodity Finance programme structure, the master pitch deck, and the institutional documentation pack — including the 170-page Operations Manual, the 77-page Bank Engagement Playbook, the 106-page Capital Strategy, the 94-page Corporate Governance Manual, and the brand system manual that anchors every artefact.
He holds 100% of Miziba (current planning assumption, pending v1.1 confirmation) and 50% of JNI AGRI Ltd. Five-bank parallel engagement currently underway with UBA Ghana, Fidelity Bank, FNB Ghana, Absa Ghana, and Development Bank Ghana. Concurrent DFI engagement with AGF, GIRSAL, DBG, AfDB, and Rabobank Foundation.
Daniel Sarkwa Ohene
Daniel leads capital partnership architecture and institutional engagement at Miziba. He owns the bank engagement workstream — the parallel five-bank engagement with UBA Ghana, Fidelity Bank, FNB Ghana, Absa Ghana, and Development Bank Ghana — and the concurrent DFI engagement with African Guarantee Fund, GIRSAL, DBG, AfDB, and Rabobank Foundation.
He owns the bank engagement playbook and the indicative-term-sheet negotiation positions. He is the named institutional point-of-contact for credit committees and DFI investment officers.
The aggregation team.
The team that operates the anchor aggregator — six years of direct trading experience, GHS 102.5M FY2025 audited revenue, zero defaults on financing lines since 2019.
Priscilla Ohene Djan
Priscilla is the Chief Financial Officer of JNI AGRI Ltd and the named TSCF escrow signatory. She owns reconciliation across the atomic settlement engine, the bank-side reporting portal, and the trade-level audit trail that gives the bank confidence in every settlement instruction.
Under the cost-share arrangement defined in the Capital Strategy & Funding Plan, Priscilla provides operational finance support to the Miziba TSCF programme during the pilot phase — an explicit, documented related-party arrangement with structural controls.
Jennifer Dadza
Jennifer leads field operations across JNI AGRI Ltd's six TradePoint hubs and the 10,000+ smallholder farmer network that underwrites the TSCF programme's verification layer. Her team runs the weighbridge infrastructure, the photo-documented loading protocol, the GPS-tagged dispatch system, and the same-day mobile money settlement to farmers.
The 98.5% same-day settlement SLA is her operational metric. The trust relationship between JNI AGRI and the registered farmer base is the reason the verification layer functions at all.
Two companies. One operating discipline.
Miziba Infrastructure Ltd and JNI AGRI Ltd are separately incorporated Ghanaian companies, each with its own board, its own audit, and its own balance sheet. The structural separation is non-negotiable; the related-party arrangements are documented and disclosed to institutional counterparties.
Miziba Infrastructure Ltd
Incorporated in Ghana. Founded 2025 by Joel NtiAmoah Marfo. Operates the verification, escrow, and atomic settlement layer. The TSCF programme is its flagship product. Does not lend, does not trade, does not take title to commodity.
JNI AGRI Ltd
Incorporated in Ghana. Six operating years; FY2025 audited revenue of GHS 102.5M; zero defaults on financing lines since 2019; 22.1% gross margin; 10,000+ smallholder farmers in the registered network. The anchor aggregator under the TSCF programme.
For institutional enquiries.
For credit committee meetings, DFI investment reviews, or institutional briefing sessions, contact Joel directly at iamjoelmarfo@gmail.com or partnerships@miziba.com.