Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | N/A |
Year established | 1994 |
Head of Institution | Cesar Ivan Velosa Poveda |
Regions active | |
# Branches | 6 |
Total Portfolio (nat'l) | COP 15,034,582,670 |
Total Portfolio (USD) | USD 8,260,759.71 |
Active clients with loans | 3,993 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 60% - 80% |
Network affiliations | Emprender, Asomicrofinanzas |
Funders |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.acsi-ethiopia.org/ |
Year established | 1995 |
Head of Institution | Mr Mekonen Yelewemwessen |
Regions active | |
# Branches | 229 |
Total Portfolio (nat'l) | ETB 1,940,827,401 |
Total Portfolio (USD) | USD 105,479,750.10 |
Active clients with loans | 694,993 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 0% - 20% |
Network affiliations | AEMFI |
Funders | ORDA Organisation for Rehabilitation and Development in Amhara, Regional Government, Endeaveour, ADA Amhara Development Association |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Desarrollo Empresarial | COP 515,000 - 25,750,000 | 6 - 30 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business | Tech Asst Visits, Business Training | |||||||
Microvivienda | COP 515,000 - 25,750,000 | 6 - 30 | 40% - 60% | 60% - 80% | Housing | Women, Men, Have business | Credit Educ | |||||||
Nucleos Solidarios Productivos | COP 515,000 - 5,150,000 | 6 - 24 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Group Mtgs, Business Training, Giras Técnicas | |||||||
Rural Individual - Germina | COP 515,000 - 12,875,000 | 6 - 30 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Group Mtgs, Giras Técnicas |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Asset Loan | ETB 1,000 - 15,000 | 12 - 36 | 60% - 80% | 0% - 20% | Housing, Consumer | Women, Men, Salaried worker | ||||||||
Enterprise Loan | ETB 5,001 - 10,000,000 | 12 - 60 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | ||||||||
Group Loan - End Term | ETB 150 - 3,000 | 6 - 12 | 60% - 80% | 0% - 20% | Business, Agriculture | Women, Men | Credit Educ, Group Mtgs, Credit Ins | |||||||
Group Loan - Installments | ETB 150 - 7,500 | 12 - 24 | 60% - 80% | 0% - 20% | Any Purpose | Women, Men | Credit Educ, Group Mtgs, Credit Ins | |||||||
Technology Loan | ETB 4,200 - 5,669 | 24 | 60% - 80% | 0% - 20% | Business, Agriculture | Women, Men | Credit Educ, Group Mtgs |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Desarrollo Empresarial | 29.5% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 29.6% - 35% | 30.1% - 38% | 88 | ||||||||
Microvivienda | 29.5% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 29.6% - 31.1% | 30% - 33.7% | 91 | ||||||||
Nucleos Solidarios Productivos | 29.5% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 29.6% - 31% | 32.4% - 33.2% | 90 | ||||||||
Rural Individual - Germina | 24.0% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 24% - 26.3% | 25.6% - 33.9% | 83 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Asset Loan | 10.0%-13.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 5.0% upfront | 12.9% - 13% | 13.7% - 13.8% | 73 | ||||||||
Enterprise Loan | 10.0%-13.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 10% - 13% | 10% - 13% | 88 | ||||||||
Group Loan - End Term | 18.0% annual, Decl Bal | 0 Fees | 1 Ins | None | 5.0% upfront 1.00% ongoing | 18% | 20.5% | 88 | ||||||||
Group Loan - Installments | 15.0% annual, Decl Bal | 0 Fees | 1 Ins | None | 3.0% upfront 1.00% ongoing | 14.9% - 15.1% | 17% - 17.9% | 85 | ||||||||
Technology Loan | 13.0% annual, Decl Bal | 0 Fees | 0 Ins | None | 3.0% upfront 0.30% ongoing | 13% | 13.4% - 13.5% | 96 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Desarrollo Empresarial | 29.5% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 29.6% - 35% | 30.1% - 38% | 88 | ||||||||
Microvivienda | 29.5% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 29.6% - 31.1% | 30% - 33.7% | 91 | ||||||||
Nucleos Solidarios Productivos | 29.5% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 29.6% - 31% | 32.4% - 33.2% | 90 | ||||||||
Rural Individual - Germina | 24.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 24% - 26.3% | 25.6% - 33.9% | 83 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Asset Loan | 10.0%-13.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 5.0% upfront | 12.9% - 13% | 13.7% - 13.8% | 73 | ||||||||
Enterprise Loan | 10.0%-13.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 10% - 13% | 10% - 13% | 88 | ||||||||
Group Loan - End Term | 18.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | 5.0% upfront 1.00% ongoing | 18% | 20.5% | 88 | ||||||||
Group Loan - Installments | 15.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | 3.0% upfront 1.00% ongoing | 14.9% - 15.1% | 17% - 17.9% | 85 | ||||||||
Technology Loan | 13.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 3.0% upfront 0.30% ongoing | 13% | 13.4% - 13.5% | 96 |
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