Lecturers-Accounting and Finance


Name:              Dr. (Mrs.) Christine Avortri 

Faculty:            Accounting and Finance

Department:     Banking and Finance

Position:           Lecturer

Phone mobile:   +233 (0) 54347 3496/+233(0) 56129 7255

Email address:  This email address is being protected from spambots. You need JavaScript enabled to view it.



Academic Areas: 

  • Finance
  • Banking
  • Microfinance



Born in Adidome, the District Capital of Central Tongu, in Volta Region of Ghana, Dr, Mrs Christine Avortri is currently a Lecturer in Banking and Finance with the Department of Banking and Finance, University of Professional Studies, Accra (UPSA) since 2012. She holds a PhD in Business Administration with area of specialisation in Microfinance from Open University Malaysia. She is also a chartered banker.

Her main areas of interests are promoting financial literacy, sustainable growth of the Microfinance sector and driving the microfinance sector to promote financial inclusion and poverty alleviation. She currently has two published books in banking. The books are to enable all walks of life to gain understanding into the operations of banks and non- bank financial institutions.

Her concern for the welfare of others won the admiration of her then Head of Department who appointed her as the Department's Welfare Officer in 2016 till now. She is currently the Treasurer of UTAG- UPSA (Sept. 2017 to date) She taught in St Roses’ Senior High School, Akwatia in the Eastern Region and St Mary’s Senior High School in Greater Accra Region before joining UPSA in 2012.

Due to her dedication and contribution to the development of St Mary’s Senior High School, she was adjudged the Best Teacher during the 2007 and 2008 Academic year. In 2019, she was again adjudged the best lecturer in the Faculty of Accounting and Finance, UPSA.

She is a devoted Christian and a co-founder of Green Pastureland Ministry.


Teaching Statement

She believed that access to financial services is crucial to national and human development, she dedicated herself to acquiring knowledge and understanding how the Banking system works and how Microfinancing can be improved to promote financial inclusion.

She is also of the view that knowledge of the financial systems, its operations and products should not be limited to only people who work with the banks or financial institutions. Besides, competent and qualified human resource is crucial to the development of the financial system. She, therefore, devoted her lecturing carrier to lecturing in banking related courses such as Elements of Banking, Banking operations and Bank Management, Lending and Credit Management as well as facilitates teaching-learning in Executive Certificate in Banking Operations (a collaborative programme between UPSA and Chartered Institute of Bankers, Ghana).  

As a lead lecturer for these courses, she contributes to designing these courses to give students more practical and professional knowledge. She is a member of the three-member technical team tasked with redesigning the courses in the Department of Banking and Finance for re- accreditation.

Aside teaching, she also undertakes research in these fields (Microfinancing and banking). She also, participated in seminars, conferences and facilitated training programmes of microfinance clients, faith-based youth and women groups.


Academic Degrees

  • Ph. D in Business Administration (Microfinance) Open University Malaysia, 2019
  • MBA (Finance) Methodist University College, Ghana, 2009
  • B.Ed (Social Studies) University of Cape Coast, 1999


Professional Qualifications

  • Chartered Institute of Banker, Ghana (ACIB)


Professional Experience

  • Lead Lecturer, Banking Courses, 2012 -
  • Treasurer, UTAG-UPSA, 2017-
  • External Examiner, Chartered Institute of Bankers, 2019-
  • Trainer of Trainee, Finanzgrppe and GHAMFIN Certification of Board and Management of Microfinance Institutions, 2020-


Selected Publications

(Refereed Journal Articles)

  1. Avortri, C. and Wereko, T.B. (2016). Difference in the Sustainability between microfinance institutions which offer combined services and those which offer solely micro-Credit. International Journal of Sciences: Basic and Applied Research (IJSBAR), 30(5), 36-51.
  2. Avortri, C. and Wereko, T.B. (2016). The Effect of Services of Micro Financial Institutions on their Financial Performance: A View from Ghana.  International Journal of Scientific Research and Innovative Technology, 3(7), 25-42


  1. Avortri, C. & Adjei- Mensah, K. (2016), Fundamentals of Modern Banking- Operations and Ethics. Presbyterian Press.
  2. Avortri, C. &Adjei-Mensah, K. (2015), Elements of Banking, Presbyterian Press

Conferences (Published Abstracts)

  1. Avortri, C. & Atta, R. (2019). The banking crises in Ghana, a unique case? Presented at 5th International Conference on Business Management and Entrepreneurial Development (ICBMED) held at the University of Professional Studies, Accra, Ghana, April
  2. Avortri, C. (2019). Financial Services of Microfinance Institutions and Social Performance: A Quantile Regression Analysis. Presented at the 10TH Microfinance conference, held at UCC, 17th -8th February


Subject Areas (Teaching)

  • Lending and credit management
  • Banking operations
  • Elements of Banking
  • Bank management
  • E-commerce and E-banking
  • Corporate Finance1


Professional Membership & Affiliations

  • Member, Chartered institute of Bankers, Ghana (CIB, Gh)

Member, University Teachers’ Association of Ghana (UTAG)


Our Address

Postal Address: P.O.Box LG 149, Accra – Ghana
Tel numbers:  +233 302 500 171, +233 302 500 722, +233 302 500 723
Fax Number: +233 302 501174
Email: This email address is being protected from spambots. You need JavaScript enabled to view it., This email address is being protected from spambots. You need JavaScript enabled to view it.,This email address is being protected from spambots. You need JavaScript enabled to view it.




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