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About Us: Board Members

Jacques Raîche

Jacques graduated from the University of Quebec in Montreal, Canada with a Certificate of Administration Option Real Estate in 1973.  He has over forty years of experience within financial institutions of which the last fourteen years were on the international level. 

He has developed an expertise in the housing and real estate financing sectors under all its related aspects. In addition, he has been involved in the financing of industries related to the real estate market.


As important, he has been a leader in the expansion of a mortgage guaranteed fund in Mali as well as the conceptualization of a refinancing structure to develop a secondary market for mortgages enabling the market to seek long-term resources to respond to the housing demand. More recently, he has been involved in implementing an International Finance Corporation (IFC) program to structure and standardize a mortgage sector in Ghana and has worked with a Primary Mortgage Institutions in Nigeria in structuring and organizing them to international standards.

His field and experience in mortgage and housing include unique expertise in the risks valuation, financial analysis and business expansion. Presently, he is an independent consultant working in the real estate sector in Nigeria and in Ghana.  His work involves raising lines of credits, dedicated loans and advisory services to financial institutions.

Jacques has also visited several countries for business including Mali, Burundi, Senegal, Ivory Coast, Kenya, Togo, Niger, Benin, Ghana, Gabon, Burkina Faso, Guinea (Conakry), Algeria, Nigeria, South Africa, Costa Rica, Bermuda, Cayman Islands, Dominican Republic, Mexico.  His publications includes “Affordability issues through the mortgage system” – presentation made to the General Assembly of Shelter Afrique at Yaoundé, Cameroun, June 2003 and “Strategies and actions of PAFHAM to implement a housing strategy to respond to the women’s group and low-income family’s needs presented to the Mali Government”.

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Jacques Raîche
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Gifty Emmim, CPA, CGMA
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