An entrepreneur who understands the dynamics of the credit union industry. He has been in the oil industry for more than two decades and has worked with all the giant Oil Marking Companies (OMCs) in the country. He started with Elf, later to Mobile, then to Total. Currently he works as a Dealer with Shell Ghana Ltd where he handles more than five enviable stations. Mr. Afful has been with Ramseyer Co-operative Credit Union since the year 2002. He was Former Board Treasurer of the Union whose term ended in December 2011. He was re-elected as Chairman of the Union after he had allowed a four years to pass without holding a portfolio as the bye-law of the Union stipulates. With his field in Accounting he is able to direct the fairs of the Credit Union in attaining our vision.