Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
AgroCapital | 21,900 | 16,894,000 | 11 | 175 |
ANED | 5,400 | 6,579,000 | 3 | 133 |
Banco FIE | 231,100 | 569,322,000 | 6 | 133 |
BancoSol | 215,300 | 861,418,000 | 30 | 133 |
CIDRE | 8,500 | 126,578,000 | 8 | 133 |
Coop Fatima | 6,300 | 44,280,000 | 7 | 175 |
CRECER | 166,900 | 134,626,000 | 13 | 133 |
Diaconia | 67,000 | 85,734,000 | 2 | 133 |
Ecofuturo | 59,200 | 226,839,000 | 5 | 133 |
EMPRENDER | 8,700 | 2,380,000 | 3 | 175 |
Fassil FFP | 57,600 | 325,081,000 | 5 | 133 |
FONCRESOL | 3,900 | 9,573,000 | 3 | 133 |
FONDECO | 14,200 | 24,274,000 | 3 | 133 |
Fortaleza | 20,100 | 164,530,000 | 13 | 133 |
FUBODE | 29,400 | 24,444,000 | 7 | 133 |
FUNBODEM | 8,600 | 15,798,000 | 9 | 133 |
IDEPRO | 10,400 | 40,479,000 | 2 | 133 |
IMPRO | 2,400 | 2,885,000 | 4 | 133 |
ProCredit | 84,300 | 257,487,000 | 8 | 175 |
PRODEM | 44,900 | 62,529,000 | 4 | 133 |
ProMujer BOL | 115,200 | 50,753,000 | 3 | 133 |
Sartawi | 14,600 | 26,842,000 | 8 | 133 |
Outstanding portfolio (GHS) | GHS 1,796,008 |
Portfolio (USD) | USD 911,679.19 |
Active Clients with Loans | 5,274 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 80% - 100% |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | |
Workplace visits | |
Business training | x |
Other training | x |
Other | Life skill training, counciling, and referral services. |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 1 |
# Regions for this product | 1 |
Regions Active | Greater Accra Region |
Currency | GHS |
Minimum loan size | GHS 100 |
Maximum loan size | 5,000 |
Loans less than GHS 1,000 | 30% |
GHS 1,000-5,000 | 70% |
GHS 5,000-7,500 | 0 |
GHS 7,500-10,000 | 0 |
GHS 10,000-13,000 | 0 |
Greater than GHS 13,000 | 0 |
Shortest loan term | 3.0 months |
Longest loan term | 9.0 months |
Approx average | 8.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 80% |
Between 7 and 9 months | 20% |
Between 10 and 12 months | 0 |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 100% |
Average grace period | 0.5 months |
Daily | |
Weekly | x |
Every 2 weeks | |
Every 4 weeks | |
Monthly | |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 3.00% |
Highest quoted nominal interest | 3.00% |
Interest rate period | Monthly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | Yes |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Loan Processing Fee |
% of loan amount - min | 2.00% |
% of loan amount - max | 2.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | GHS 300 | GHS 700 | GHS 1,400 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2013-02-01 | 2013-02-01 | 2013-02-01 | ||
Loan Term (Months) | 4.9 months | 4.9 months | 4.8 months | ||
Grace Period (Months) | 0.2 months | 0.2 months | 0.2 months | ||
Total Cost of Credit | GHS 47.54 | GHS 110.92 | GHS 221.85 | ||
True Price by Comp | |||||
Interest price component | 60.6% | 60.6% | 61.4% | ||
Fee Component | 9.7% | 9.7% | 9.8% | ||
Insurance Component | 0.0% | 0.0% | 0.0% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 0.0% | 0.0% | 0.0% | ||
Full APR (int fee ins tax dep) | 70.3% | 70.3% | 71.2% | ||
Transparency Index | 51 | 51 | 51 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
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 |
---|---|---|---|---|---|---|---|