Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.fmsd.org.co/ |
Year established | 1960 |
Head of Institution | JUAN CARLOS FRANCO VILLEGAS |
Regions active | |
# Branches | 4 |
Total Portfolio (nat'l) | COP 16,810,083,825 |
Total Portfolio (USD) | USD 9,236,309.79 |
Active clients with loans | 6,816 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 80% - 100% |
Network affiliations | ACCION INTERNACIONAL, ASOMICROFINANZAS |
Funders | KIVA, BANCOLDEX |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.sinapiaba.com/ |
Year established | 1994 |
Head of Institution | Anthony Gyasi-Fosu |
Regions active | Greater Accra Region, Central Region, Western Region, Eastern Region, Volta Region, Ashanti Region, Brong Ahafo Region, Northern Region, Upper East Region, Upper West Region |
# Branches | 48 |
Total Portfolio (nat'l) | GHS 57,838,603 |
Total Portfolio (USD) | USD 29,359,696.95 |
Active clients with loans | 148,020 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 20% - 40% |
Network affiliations | Opportunity International, GHAMFIN, Mix Market, ASSFIN |
Funders | Blue Orchard, Symbotics, Kolibre Capital, Tridos |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Activos fijos | COP 515,000 - 12,875,000 | 12 - 60 | 40% - 60% | 80% - 100% | Business, Solo para Activo Fijo | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
Capital de Trabajo | COP 257,500 - 12,875,000 | 12 - 24 | 40% - 60% | 80% - 100% | Business, Solo para Capital de Trabajo | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
Créditos superiores | COP 10,000,000 - 61,800,000 | 6 - 60 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
Mejoramiento de vivienda | COP 515,000 - 10,300,000 | 12 - 60 | 80% - 100% | 80% - 100% | Housing | Women, Men, Have business, Have home or land | Credit Educ, Credit Ins | |||||||
Vivienda Hipotecaria | COP 2,000,000 - 11,845,000 | 36 - 120 | 60% - 80% | 80% - 100% | Business | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Business Training |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Individual | GHS 100 - 5,000 | 6 - 12 | 80% - 100% | 60% - 80% | Business, Housing, Education, Micro School, Special Agric Loan | Women, Men, Have business | Credit Educ, Group Mtgs, Business Training | |||||||
SME | GHS 5,000 - 50,000 | 6 - 12 | 60% - 80% | 80% - 100% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
Solidarity | GHS 1,000 - 4,000 | 0.5 - 10 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Health Education | |||||||
Trust Bank | GHS 200 - 900 | 6 - 10 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Activos fijos | 20.0%-29.0% annual, Decl Bal | 2 Fees | 2 Ins | None | N/A | 34.1% - 40% | 39.7% - 47.2% | 46 | ||||||||
Capital de Trabajo | 18.0%-29.0% annual, Decl Bal | 2 Fees | 2 Ins | None | N/A | 30.2% - 37.4% | 35.9% - 43.6% | 46 | ||||||||
Créditos superiores | 22.0%-28.0% annual, Decl Bal | 2 Fees | 2 Ins | None | N/A | 26.9% - 27.9% | 31.4% - 32% | 69 | ||||||||
Mejoramiento de vivienda | 20.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 30.3% - 31.7% | 30.3% - 35.9% | 61 | ||||||||
Vivienda Hipotecaria | 16.5% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 15.6% - 16.4% | 16.9% - 17.4% | 97 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Individual | 20.00%-40.00% annual, Flat | 2 Fees | 1 Ins | None | 10.00% upfront | 64.3% - 75.8% | 78.7% - 91.5% | 22 | ||||||||
SME | 36.00%-40.00% annual, Flat | 2 Fees | 1 Ins | None | 10.00% upfront | 56.6% - 76.6% | 69.6% - 94.5% | 43 | ||||||||
Solidarity | 22.00%-39.00% annual, Flat | 2 Fees | 1 Ins | None | 10.00% upfront | 69.2% - 75.4% | 84.8% - 93.1% | 24 | ||||||||
Trust Bank | 22.00%-39.00% annual, Flat | 2 Fees | 1 Ins | None | 10.00% upfront | 76.8% - 79.4% | 94.4% - 97.8% | 22 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Activos fijos | 20.0%-29.0% annual, Decl Bal | 2 Fees | 2 Ins Ins | None | N/A | 34.1% - 40% | 39.7% - 47.2% | 46 | ||||||||
Capital de Trabajo | 18.0%-29.0% annual, Decl Bal | 2 Fees | 2 Ins Ins | None | N/A | 30.2% - 37.4% | 35.9% - 43.6% | 46 | ||||||||
Créditos superiores | 22.0%-28.0% annual, Decl Bal | 2 Fees | 2 Ins Ins | None | N/A | 26.9% - 27.9% | 31.4% - 32% | 69 | ||||||||
Mejoramiento de vivienda | 20.0% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | N/A | 30.3% - 31.7% | 30.3% - 35.9% | 61 | ||||||||
Vivienda Hipotecaria | 16.5% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 15.6% - 16.4% | 16.9% - 17.4% | 97 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Individual | 20.00%-40.00% annual, Flat | 2 Fees | 1 Ins Ins | None | 10.00% upfront | 64.3% - 75.8% | 78.7% - 91.5% | 22 | ||||||||
SME | 36.00%-40.00% annual, Flat | 2 Fees | 1 Ins Ins | None | 10.00% upfront | 56.6% - 76.6% | 69.6% - 94.5% | 43 | ||||||||
Solidarity | 22.00%-39.00% annual, Flat | 2 Fees | 1 Ins Ins | None | 10.00% upfront | 69.2% - 75.4% | 84.8% - 93.1% | 24 | ||||||||
Trust Bank | 22.00%-39.00% annual, Flat | 2 Fees | 1 Ins Ins | None | 10.00% upfront | 76.8% - 79.4% | 94.4% - 97.8% | 22 |
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