| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| ACLEDA | 235,200 | 215,086,000 | 6 | 169 |
| AMK | 288,200 | 63,784,000 | 16 | 140 |
| AMRET | 299,500 | 149,542,000 | 8 | 140 |
| Chamroeun | 48,100 | 7,480,000 | 4 | 121 |
| Farmer Finance | 200 | 407,000 | 1 | 140 |
| First Finance | 500 | 5,819,000 | 1 | 140 |
| HKL | 73,400 | 93,842,000 | 3 | 140 |
| KREDIT | 61,800 | 59,319,000 | 9 | 140 |
| Maxima | 2,900 | 3,179,000 | 3 | 140 |
| PRASAC | 138,500 | 251,931,000 | 9 | 140 |
| Seilanithih | 15,200 | 7,516,000 | 5 | 140 |
| SPN | 35,100 | 29,828,000 | 6 | 140 |
| TPC | 120,000 | 45,931,000 | 13 | 140 |
| VF Cambodia | 148,600 | 48,984,000 | 18 | 140 |
| Outstanding portfolio (GHS) | GHS 146,000 |
| Portfolio (USD) | USD 74,111.68 |
| Active Clients with Loans | 365 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | |
| Solidarity group | x |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | x |
| Consumer loan | |
| Agriculture | |
| Education | x |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | Book keeping training |
| 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 200 |
| Maximum loan size | GHS 500 |
| Loans less than GHS 1,000 | 100% |
| GHS 1,000-5,000 | 0 |
| 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 | 6.0 months |
| Approx average | 4.0 months |
| Loans 3 months or less | 40% |
| Between 4 and 6 months | 60% |
| Between 7 and 9 months | 0 |
| Between 10 and 12 months | 0 |
| Between 13 and 18 months | 0 |
| Longer than 18 months | 0 |
| Grace period usage | 100% |
| Average grace period | 0.8 months |
| Daily | |
| Weekly | |
| Every 2 weeks | x |
| Every 4 weeks | |
| Monthly | |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 5.00% |
| Highest quoted nominal interest | 8.00% |
| Reason(s) why interest rate varies | Client Risk, Loan Purpose |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Flat |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | Fee 2 | ||
|---|---|---|---|
| Description | Processing Fee | Registration Fee | |
| % of loan amount - min | 2.00% | 0 | |
| % of loan amount - max | 2.00% | 0 | |
| OR, Fixed amount - min | 0 | 10 | |
| Fixed amount - max | 0 | 10 | |
| Reason for variation | N/A | N/A | |
| Appears on Repayment Sched? | No | No |
| Ins 1 | |
|---|---|
| Description | Insurance Fee |
| % of loan amount - min | 1.20% |
| % of loan amount - max | 1.20% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | No |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | No |
| Do borrowers control deposit in their group? | Yes |
| % loan amount deposited | 20.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit | End Term |
| Minimum interest rate paid | 10.50% |
| Maximum interest rate paid | 10.50% |
| Interest payment frequency | Annually |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | GHS 250 | GHS 300 | GHS 375 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2012-11-25 | 2012-11-25 | 2013-01-20 | ||
| Loan Term (Months) | 5.8 months | 5.8 months | 5.8 months | ||
| Grace Period (Months) | 0.2 months | 0.2 months | 0.2 months | ||
| Total Cost of Credit | GHS 138 | GHS 163.60 | GHS 202 | ||
| True Price by Comp | |||||
| Interest price component | 154.0% | 154.0% | 154.0% | ||
| Fee Component | 26.0% | 23.0% | 20.0% | ||
| Insurance Component | 5.4% | 5.4% | 5.4% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 72.3% | 70.8% | 69.4% | ||
| Full APR (int fee ins tax dep) | 257.7% | 253.2% | 248.8% | ||
| Transparency Index | 23 | 24 | 24 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| Key Statistics | |
|---|---|
| # Samples: | |
| # Products | |
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| # 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 |
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