Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.fassil.com.bo/ |
Year established | 1996 |
Head of Institution | Juan Ricardo Mertens Olmos |
Regions active | 0 |
# Branches | 28 |
Total Portfolio (nat'l) | BOB 417,407,294 |
Total Portfolio (USD) | USD 60,935,371.39 |
Active clients with loans | 17,296 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 80% - 100% |
Network affiliations | ASOFIN |
Funders | Santa Cruz de la Sierra Financial Group S.A., Nacional Vida Seguros de Personas S.A. |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | Yes |
Website address | http://www.asp-i.org/asp-i/ |
Year established | 2003 |
Head of Institution | Moses O.T Owharo |
Regions active | Greater Accra Region, Volta Region |
# Branches | 0 |
Total Portfolio (nat'l) | GHS 174,550 |
Total Portfolio (USD) | USD 88,604.06 |
Active clients with loans | 845 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 40% - 60% |
Network affiliations | GHAMFIN, ASSFIN, Coalition of NGOs in Health, Microcredit summit campaign, USA |
Funders | USAID, UBA, Zenith Bank, Ghana Commercial Bank |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Credifassil Microempresas | BOB 1,014 - 410,060 | 3 - 60 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business | Credit Ins, Ahorro | |||||||
Credifassil Microempresas (USD) | USD 600 - 29,700 | 3 - 72 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business | Credit Ins, Ahorro | |||||||
Credifassil Pyme | BOB 7,000 - 1,186,786 | 3 - 48 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | Credit Ins | |||||||
Credifassil Pyme (USD) | USD 2,488 - 160,000 | 3 - 120 | 40% - 60% | 20% - 40% | Business | Women, Men, Have business | Credit Ins, Ahorro | |||||||
Credito Vivienda (USD) | USD 5,000 - 199,600 | 12 - 360 | 40% - 60% | 60% - 80% | Housing | Women, Men, Have home or land, Salaried worker | Credit Ins, Ahorro | |||||||
Libre Disponibilidad (Microempresas y Pyme) | BOB 1,522 - 212,100 | 3 - 60 | 40% - 60% | 20% - 40% | Any Purpose | Women, Men, Have home or land, Salaried worker | Credit Ins, Ahorro | |||||||
Libre Disponibilidad (Microempresas y Pyme) (USD) | USD 1,050 - 20,000 | 3 - 60 | 40% - 60% | 40% - 60% | Any Purpose | Women, Men, Have business, Have home or land | Credit Ins |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan | GHS 400 - 15,000 | 4 - 24 | 40% - 60% | 0% - 20% | Business, Used for agricultural purposes | Women, Men, Have business, Must own a farm or animals, fish, etc. | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Health Education, Technology Management | |||||||
Individual Loan | GHS 100 - 3,000 | 3 - 12 | 60% - 80% | 40% - 60% | Business, Consumer, Education | Women, Men, Have business, Salaried worker, Must provide a guarantor | Credit Educ, Tech Asst Visits, Business Training, Health Education | |||||||
SME Loan | GHS 1,500 - 5,000 | 4 - 8 | 80% - 100% | 60% - 80% | Business | Women, Men, Have business, Must be a graduate from a small group loan, Must provide guarantor | Credit Educ, Tech Asst Visits, Business Training | |||||||
Petty Traders Loan (PTL) | GHS 50 - 2,000 | 3 - 12 | 80% - 100% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Business Training |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Credifassil Microempresas | 13.0%-26.0% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Credifassil Microempresas (USD) | 14.0%-28.0% annual, Decl Bal | 2 Fees | 0 Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Credifassil Pyme | 16.0%-26.0% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Credifassil Pyme (USD) | 18.0%-28.0% annual, Decl Bal | 2 Fees | 0 Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Credito Vivienda (USD) | 19.0%-20.0% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Libre Disponibilidad (Microempresas y Pyme) | 19.0%-29.0% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Libre Disponibilidad (Microempresas y Pyme) (USD) | 21.0%-31.0% annual, Decl Bal | 2 Fees | 0 Ins | 15.00% Principal | N/A | 0% | 0% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan | 48.00% annual, Flat | 1 Fee | 0 Ins | None | 15.00%-30.00% upfront | 93% - 112.1% | 137.1% - 163.9% | 32 | ||||||||
Individual Loan | 48.00% annual, Flat | 1 Fee | 0 Ins | None | 20.00% upfront | 118.9% - 159.8% | 174.6% - 205.5% | 25 | ||||||||
SME Loan | 48.00% annual, Flat | 1 Fee | 0 Ins | None | 15.00%-20.00% upfront | 107.9% - 136% | 157.9% - 182.6% | 28 | ||||||||
Petty Traders Loan (PTL) | 48.00% annual, Flat | 1 Fee | 0 Ins | None | 20.00% upfront | 118.9% - 125.8% | 174.6% - 183.6% | 26 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Credifassil Microempresas | 13.0%-26.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
Credifassil Microempresas (USD) | 14.0%-28.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Credifassil Pyme | 16.0%-26.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
Credifassil Pyme (USD) | 18.0%-28.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Credito Vivienda (USD) | 19.0%-20.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
Libre Disponibilidad (Microempresas y Pyme) | 19.0%-29.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
Libre Disponibilidad (Microempresas y Pyme) (USD) | 21.0%-31.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | 15.00% Principal | N/A | 0% | 0% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan | 48.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 15.00%-30.00% upfront | 93% - 112.1% | 137.1% - 163.9% | 32 | ||||||||
Individual Loan | 48.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 20.00% upfront | 118.9% - 159.8% | 174.6% - 205.5% | 25 | ||||||||
SME Loan | 48.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 15.00%-20.00% upfront | 107.9% - 136% | 157.9% - 182.6% | 28 | ||||||||
Petty Traders Loan (PTL) | 48.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 20.00% upfront | 118.9% - 125.8% | 174.6% - 183.6% | 26 |
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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
---|---|---|---|---|---|---|---|
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
N (# of Samples) | ||||||
Total Borrrowers of Samples | ||||||
Avg | ||||||
Min | ||||||
Max | ||||||
Std Dev | ||||||
By Inst Type | ||||||
By Country | ||||||
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
From 0 to | ||||||
to | ||||||
to | ||||||
to ∞ |