Ghana is a developing middle income country in the sub-Sahara Africa. A country with predominant informal sector,is characterized with micro-finance (savings and loans ) houses. These schemes have become a preferred destination for small and medium scale enterprises. As the industry has grew,a darker side has also emerged leading to a monumental collapse of a leading micro finance firm in recent times with it's debilitating effect on households. This feature, explores the mechanics of micro-finance business in Ghana. The good, the bad and the ugly. This feature consequently brought a leading South African consulting firm-Africa Risk Consulting for a full blown documentary in Ghana.