2. Sartawi
Please note that the information you are viewing is 131 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Grameen Ghana
Please note that the information you are viewing is 141 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Fundacion Sartawi Calle Pedro Salazar No 509La Paz, La Paz
Data approved: 2013-11-05
Data version: 2
Age of data: 131 months
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Institution

Grameen Ghana Head OfficeBehind RCCTamale, Northern
Data approved: 2013-03-14
Data version: 2
Age of data: 141 months
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Product

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Product

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Product Summary

Number borrowers421
Loan Amount (range)USD 200 - 50,000
Loan Term (range)3 - 36
Other Services (text summary)Credit Ins, Tech Asst Visits
Annual Interest & Method20.0%-28.0% annual, Decl Bal
Fees1.00%-2.00% upfront
Insurance0.24%-2.88% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component15.0% - 34.0%
Fee Component0.9% - 5.5%
Insurance Component0.9% - 1.7%
Tax Component Range0
Full APR (int fee ins tax dep)24.4% - 30.3%
Transparency Index (min/max)43 - 82
Transparency Index (average)72

Product Summary

2,376
GHS 50 - 500
6 - 9
Credit Educ, Group Mtgs, Other Training, Training in health, nutrition, sanitation, breast-feeding, and malaria prevention.
36.00% annual, Flat
None
None
None
N/A
 
39.6% - 70.8%
0
0
0
39.6% - 44.5%
51 - 91
87

Product Details

Key Statistics
Outstanding portfolio (USD)USD 3,259,094
Portfolio (USD)USD 3,259,094
Active Clients with Loans421
Approximate % Female Clients0% - 20%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Crédito para la adquisición de maquinaria, vehículo productivo, equipos, construcción y rmejora de infraestructura productiva, habilitación adquisición de terrenos rproductivos y adquisición de semovientes.
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 visitsx
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 institution7
# Regions for this product7
Regions ActiveChuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 279,665
Portfolio (USD)USD 141,961.93
Active Clients with Loans2,376
Approximate % Female Clients100%
Approximate % Urban Clients0
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Designed for shea nut pickers and shea butter processors for working capital. Nominal interest rate of 36% flat method.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business training
Other trainingx
OtherTraining in health, nutrition, sanitation, breast-feeding, and malaria prevention.
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
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 institution2
# Regions for this product1
Regions ActiveNorthern Region

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 200
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than USD 1,5005%
USD 1,500-5,00040%
USD 5,000-10,00020%
USD 10,000-15,0005%
USD 15,000-18,0005%
Greater than USD 18,0005%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term36.0 months
Approx average19.5 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months10%
Between 10 and 12 months10%
Between 13 and 18 months15%
Longer than 18 months60%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 monthsx
Every 12 months
Single end paymentx
Irregular paymentsx

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 50
Maximum loan sizeGHS 500
Distribution at Disbursement (Est.)
Loans less than GHS 1,000100%
GHS 1,000-5,0000
GHS 5,000-7,5000
GHS 7,500-10,0000
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term9.0 months
Approx averagedk
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months70%
Between 7 and 9 months30%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period3.0 months
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 interest20.00%
Highest quoted nominal interest28.00%
Reason(s) why interest rate variesLoan Size, Collateral
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionGastos Administrativos
% of loan amount - min1.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFee varies based on loan amount.
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de Desgravamen
% of loan amount - min0.24%
% of loan amount - max2.88%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationInsurance fee is 0.08% per month, charged on the total disbursed amount for loans 3,000 USD and below, and charged on the oustanding princpal balalnce only for loans above 3,000 USD.
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
Additional Comments
N/A

Pricing Information

Interest
Lowest quoted nominal interest36.00%
Highest quoted nominal interest36.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
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
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
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

Full Pricing Data

Capital de Inversión (USD) samples
Sample 1Sample 2Sample 3
Loan AmountUSD 5,000USD 10,000USD 15,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2014-03-062014-03-062014-04-01
Loan Term (Months)10.0 months15.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditUSD 564.22USD 1,909.82USD 4,750
True Price by Comp     
Interest price component20.0%25.0%27.6%
Fee Component3.4%2.5%1.8%
Insurance Component1.0%0.9%0.9%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)24.4%28.4%30.3%
Transparency Index827066
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Shea Loan samples
Sample 1Sample 2Sample 3
Loan AmountGHS 200GHS 200GHS 300
Loan Cycle (1, 2, 3, etc)221
Disbursement Date2013-03-092013-03-092012-08-14
Loan Term (Months)6.0 months6.0 months9.0 months
Grace Period (Months)3.1 months3.1 months3.1 months
Total Cost of CreditGHS 36GHS 36GHS 81
True Price by Comp     
Interest price component39.6%39.6%44.5%
Fee Component0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)39.6%39.6%44.5%
Transparency Index919181
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Capital de Inversión (USD) Price Graphs


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Shea Loan 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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