2. ANED
Please note that the information you are viewing is 130 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. EASL
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Asociación Nacional Ecuménica de Desarrollo Calle Rosendo Gutierrez pasaje Finot #679La Paz, Bolivia
Data approved: 2013-08-19
Data version: 2
Age of data: 130 months
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Institution

EB ACCION Savings and Loans Ltd No. 4 Nortei Ababio Street Roman RidgePMB CT 127, CantonmentsAccra, Greater Accra
Data approved: 2013-07-31
Data version: 1
Age of data: 139 months

Product

Credito Individual - USD Product 3 of 3 « Prev | Next »

Product

Adwuma Pa Product 3 of 6 « Prev | Next »

Product Summary

Number borrowers1,235
Loan Amount (range)USD 200 - 12,000
Loan Term (range)6 - 96
Other Services (text summary)Credit Ins
Annual Interest & Method12.0%-36.0% annual, Decl Bal
FeesNone
Insurance0.09%-0.10% upfront 0.05%-0.82% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component16.1% - 37.9%
Fee Component0
Insurance Component1.0% - 1.1%
Tax Component Range0
Full APR (int fee ins tax dep)19.1% - 37.0%
Transparency Index (min/max)32 - 96
Transparency Index (average)48

Product Summary

2,755
GHS 3,000 - 15,000
3 - 12
Credit Ins
45.0% annual, Flat
1.50%-2.00% upfront
0.55%-1.00% upfront
None
 
57.7% - 86.0%
2.2% - 9.1%
0.6% - 4.5%
0 - 0.6%
68.3% - 78.0%
27 - 66
61

Product Details

Key Statistics
Outstanding portfolio (USD)USD 1,858,914.10
Portfolio (USD)USD 1,858,914.10
Active Clients with Loans1,235
Approximate % Female Clients20% - 40%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Crédito otorgado a personas naturales donde se considera como unidad económica a la familia (el análisis y evaluación de la capacidad de pago se establece sobre la base de ingresos y gastos familiares).
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculturex
Educationx
Other household finance
OtherCapital de Operación - Inversión
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution9
# Regions for this product7
Regions ActiveBeni , Chuquisaca , Cochabamba , La Paz , Potosí, Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 7,020,472.84
Portfolio (USD)USD 3,563,691.80
Active Clients with Loans2,755
Approximate % Female Clients60% - 80%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Flexible financing for the growth of your business. Minimum 6 months business experience. 10% interest payback when cash installments are on time.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution3
# Regions for this product3
Regions ActiveGreater Accra Region, Ashanti Region, Brong Ahafo Region

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 200
Maximum loan size12,000
Distribution at Disbursement (Est.)
Loans less than USD 1,50010%
USD 1,500-5,00080%
USD 5,000-10,00010%
USD 10,000-15,0000
USD 15,000-18,0000
Greater than USD 18,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term96.0 months
Approx averagedk
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months5%
Between 13 and 18 months15%
Longer than 18 months80%
Grace Period
Grace period usage10%
Average grace periodDK
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 monthsx
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 3,000
Maximum loan size15,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,0000
GHS 1,000-5,00090%
GHS 5,000-7,50010%
GHS 7,500-10,0000
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average10.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months50%
Between 10 and 12 months40%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest12.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionSeguro de desgravamen
% of loan amount - min0.09%
% of loan amount - max0.10%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationLa comisión es: (0.085% X monto del crédito) + ((0.085% X monto del crédito) / número de días entre el desembolso y la fecha de la primera cuota)
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de desgravamen
% of loan amount - min0.05%
% of loan amount - max0.82%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationComisión de 0.085% mensual aplicado sólo al saldo del capital remanente del crédito.
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest3.75%
Highest quoted nominal interest3.75%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min1.50%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFee increased from 1.5% to 2.0% in March 2013.
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min0.55%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFee increased from 0.55% to 1.0% in July 2013.
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forSome
CriteriaRequired only if physical collateral provided is not sufficient.
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited0 - 20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Full Pricing Data

Credito Individual - USD samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountUSD 1,200USD 3,000USD 5,000USD 5,000USD 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2014-01-052014-01-102014-01-102014-01-062014-01-03
Loan Term (Months)20.0 months12.0 months18.0 months30.0 months12.0 months
Grace Period (Months)0.2 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditUSD 215.27USD 425.36USD 1,420.74USD 2,769USD 1,064.09
True Price by Comp         
Interest price component18.1%24.1%32.0%36.0%18.1%
Fee Component0.0%0.0%0.0%0.0%0.0%
Insurance Component1.0%1.0%1.1%1.0%1.1%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)19.1%25.1%33.1%37.0%19.2%
Transparency Index6348363263
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Adwuma Pa samples
Sample 2Sample 3Sample 4
Loan AmountGHS 6,000GHS 8,000GHS 13,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-06-102013-06-032013-06-28
Loan Term (Months)12.0 months12.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.3 months
Total Cost of CreditGHS 2,860GHS 3,283GHS 10,322.50
True Price by Comp     
Interest price component72.4%62.8%59.0%
Fee Component4.2%4.1%2.3%
Insurance Component1.1%1.2%0.7%
Tax Component0.3%0.2%0.0%
Deposit Component0.0%0.0%12.2%
Full APR (int fee ins tax dep)78.0%68.3%74.2%
Transparency Index586661
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Credito Individual - USD Price Graphs


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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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