Muhammad M. Jagana is a Gambian chartered accountant and entrepreneur whose public work spans financial services, digital payments, private-sector advocacy, sport governance, and community enterprise.
He qualified with the Association of Certified Chartered Accountants in the United Kingdom in 1995, returned to The Gambia, joined his family business, and then built ventures and institutions across remittances, payments, identification technology, and fintech.
His public philosophy is institution-first: strengthen governance, keep the economic interest of members at the center, expand access to finance, and use enterprise as a practical route for youth, women, athletes, and communities to build livelihoods.
J-FIN is a Central Bank-licensed bureau de change and money transfer operator in The Gambia. Its public materials describe it as a leading financial service provider with more than 50 branches, serving domestic and international remittance needs.
Visit J-FINKuringo provides digital remittance and payment solutions across the UK, Europe, The Gambia, and wider African corridors. The name comes from the Mandinka word for cowry, connecting modern payments to a historic African currency.
Visit KuringoHe was part of the Gambian entrepreneur consortium that created the SPV used to acquire a stake and help establish Ecobank Gambia. Ecobank Gambia became one of the country’s recognized financial services brands after its 2007 establishment.
Walk 4 Health Gambia promotes walking and physical activity among individuals, families, communities, and businesses. The initiative reflects his civic work beyond finance, using organized community action to support healthier lifestyles.
Project One Loaf grew from his engagement with young bread vendors in Fajara into a national training concept for baking, entrepreneurship, local ownership, and youth employment. Its model centers on practical training hubs, attachments, and regional expansion.
As president of Wagadu Football Club, a second-division team, he has invested in local football infrastructure and opportunities for players. His sports work also includes support for Demba Kunda FC and Soninkara Sports Association community football.
Chartered member since 2000 and president from 2008 to 2009, with continuing service in non-profit associations and local charities.
Served on the GCCI board in multiple capacities, including treasurer, before his election as president.
Led the national chamber for two terms, advocating private-sector development, policy engagement, regional trade facilitation, business awards governance, and trade-fair growth.
Served on Ecobank Gambia’s board after participating in the consortium that helped establish the Gambian affiliate.
Held a regional private-sector leadership role connected to West African cross-border trade and chamber diplomacy.
Served on the board of a national public institution central to trade, logistics, and port governance.
Chaired the Gambia National Olympic Committee’s marketing committee, contributing business and governance experience to national sport.
Appointed treasurer of Fajara Club, extending his finance and governance work into local civic institutions.
Elected GNOC treasurer in 2021 and publicly emphasized athlete needs, approved budgeting, and the transition of athletes into entrepreneurs and brand ambassadors.
Presented a governance-led platform focused on ethical leadership, women’s access to sport resources, annual beach sports programming, diaspora athlete connections, and sound financial management.
The economic interest of the members should be a priority.
The statement came as he accepted election as president of the Gambia Chamber of Commerce & Industry. It matches the through-line in his public record: private-sector institutions should serve members, strengthen governance, and engage government through competent national bodies.
On the VC4A Mentorship Marketplace, he accepts requests from idea, startup, and growth-stage entrepreneurs. His listed topics are business model, competition, finance, growth, and team.
His community record includes Rotary service, Wagadu Football Club, Demba Kunda Football Club support, Soninkara Sports Association, Walk 4 Health Gambia, and Project One Loaf.
