Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.crecer.org.bo/ |
Year established | 1999 |
Head of Institution | José Auad Lema |
Regions active | Beni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija |
# Branches | 9 |
Total Portfolio (nat'l) | BOB 910,004,033.70 |
Total Portfolio (USD) | USD 134,815,412.40 |
Active clients with loans | 167,043 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 40% - 60% |
Network affiliations | FINRURAL, FOROLAC, PROCOSI |
Funders |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.sinapiaba.com/ |
Year established | 1994 |
Head of Institution | Anthony Gyasi-Fosu |
Regions active | Greater Accra Region, Central Region, Western Region, Eastern Region, Volta Region, Ashanti Region, Brong Ahafo Region, Northern Region, Upper East Region, Upper West Region |
# Branches | 48 |
Total Portfolio (nat'l) | GHS 57,838,603 |
Total Portfolio (USD) | USD 29,359,696.95 |
Active clients with loans | 148,020 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 20% - 40% |
Network affiliations | Opportunity International, GHAMFIN, Mix Market, ASSFIN |
Funders | Blue Orchard, Symbotics, Kolibre Capital, Tridos |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Banca Comunal | BOB 100 - 15,000 | 5.3 - 11.3 | 80% - 100% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Servicios de Salud a través de alianzas estratégicas | |||||||
Credito Individual - USD | USD 100 - 10,000 | 13 - 80.53 | 60% - 80% | 40% - 60% | Business, Housing, Education, Other | Women, Men, Have business | Credit Educ, Credit Ins, Business Training, Other Training | |||||||
Credito Individual - BOB | BOB 700 - 70,000 | 3.03 - 87.8 | 80% - 100% | 40% - 60% | Business, Housing, Education, Other | Women, Men, Have business | Credit Educ, Credit Ins, Business Training, Other Training, Capacitación en temas de salud | |||||||
Crédito Agropecuario - BOB | BOB 700 - 70,000 | 4.6 - 83.13 | 20% - 40% | 0% - 20% | Business, Agriculture, Other | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
Crédito Agropecuario - USD | USD 100 - 10,000 | 10.7 - 71.3 | 20% - 40% | 0% - 20% | Business, Agriculture, Other | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
Crédito para Consumo - BOB | BOB 700 - 70,000 | 3.4 - 61.2 | 0% - 20% | 40% - 60% | Consumer, Other | Women, Men, Have business, Salaried worker | Credit Educ, Credit Ins | |||||||
Crédito para Vivienda - BOB | BOB 700 - 70,000 | 5 - 49.7 | 40% - 60% | 40% - 60% | Housing, Other | Women, Men, Have business, Salaried worker | Credit Educ, Credit Ins | |||||||
Crédito Oportuno | BOB 500 - 3,000 | 0.7 - 16.9 | 80% - 100% | 40% - 60% | Any Purpose | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
Crédito al Personal - BOB | BOB 700 - 35,000 | 18.6 - 37.2 | 40% - 60% | 40% - 60% | Other | Women, Men, Salaried worker | Credit Educ, Credit Ins |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Individual | GHS 100 - 5,000 | 6 - 12 | 80% - 100% | 60% - 80% | Business, Housing, Education, Micro School, Special Agric Loan | Women, Men, Have business | Credit Educ, Group Mtgs, Business Training | |||||||
SME | GHS 5,000 - 50,000 | 6 - 12 | 60% - 80% | 80% - 100% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
Solidarity | GHS 1,000 - 4,000 | 0.5 - 10 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Health Education | |||||||
Trust Bank | GHS 200 - 900 | 6 - 10 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Banca Comunal | 34.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | 10.0% upfront 20.00% ongoing | 36% | 50.6% - 51.4% | 66 | ||||||||
Credito Individual - USD | 16.0%-24.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 16.3% - 22.4% | 16.3% - 22.4% | 82 | ||||||||
Credito Individual - BOB | 12.0%-24.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 17.4% - 23.7% | 17.4% - 23.7% | 62 | ||||||||
Crédito Agropecuario - BOB | 18.0%-24.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 18.4% - 24.6% | 18.4% - 24.6% | 87 | ||||||||
Crédito Agropecuario - USD | 18.0%-24.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 19.1% - 23.4% | 19.1% - 23.4% | 86 | ||||||||
Crédito para Consumo - BOB | 19.0%-30.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 20.4% - 27.5% | 20.4% - 27.5% | 75 | ||||||||
Crédito para Vivienda - BOB | 19.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 18.8% - 19.4% | 18.8% - 19.4% | 99 | ||||||||
Crédito Oportuno | 32.1% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 32.6% - 32.7% | 32.6% - 32.7% | 98 | ||||||||
Crédito al Personal - BOB | 12.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 0% | 0% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Individual | 20.00%-40.00% annual, Flat | 2 Fees | 1 Ins | None | 10.00% upfront | 64.3% - 75.8% | 78.7% - 91.5% | 22 | ||||||||
SME | 36.00%-40.00% annual, Flat | 2 Fees | 1 Ins | None | 10.00% upfront | 56.6% - 76.6% | 69.6% - 94.5% | 43 | ||||||||
Solidarity | 22.00%-39.00% annual, Flat | 2 Fees | 1 Ins | None | 10.00% upfront | 69.2% - 75.4% | 84.8% - 93.1% | 24 | ||||||||
Trust Bank | 22.00%-39.00% annual, Flat | 2 Fees | 1 Ins | None | 10.00% upfront | 76.8% - 79.4% | 94.4% - 97.8% | 22 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Banca Comunal | 34.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 10.0% upfront 20.00% ongoing | 36% | 50.6% - 51.4% | 66 | ||||||||
Credito Individual - USD | 16.0%-24.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 16.3% - 22.4% | 16.3% - 22.4% | 82 | ||||||||
Credito Individual - BOB | 12.0%-24.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 17.4% - 23.7% | 17.4% - 23.7% | 62 | ||||||||
Crédito Agropecuario - BOB | 18.0%-24.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 18.4% - 24.6% | 18.4% - 24.6% | 87 | ||||||||
Crédito Agropecuario - USD | 18.0%-24.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 19.1% - 23.4% | 19.1% - 23.4% | 86 | ||||||||
Crédito para Consumo - BOB | 19.0%-30.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 20.4% - 27.5% | 20.4% - 27.5% | 75 | ||||||||
Crédito para Vivienda - BOB | 19.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 18.8% - 19.4% | 18.8% - 19.4% | 99 | ||||||||
Crédito Oportuno | 32.1% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 32.6% - 32.7% | 32.6% - 32.7% | 98 | ||||||||
Crédito al Personal - BOB | 12.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Individual | 20.00%-40.00% annual, Flat | 2 Fees | 1 Ins Ins | None | 10.00% upfront | 64.3% - 75.8% | 78.7% - 91.5% | 22 | ||||||||
SME | 36.00%-40.00% annual, Flat | 2 Fees | 1 Ins Ins | None | 10.00% upfront | 56.6% - 76.6% | 69.6% - 94.5% | 43 | ||||||||
Solidarity | 22.00%-39.00% annual, Flat | 2 Fees | 1 Ins Ins | None | 10.00% upfront | 69.2% - 75.4% | 84.8% - 93.1% | 24 | ||||||||
Trust Bank | 22.00%-39.00% annual, Flat | 2 Fees | 1 Ins Ins | None | 10.00% upfront | 76.8% - 79.4% | 94.4% - 97.8% | 22 |
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