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Institution

FUNDAUNIBAN Calle 52 No 47-42Medellin
Data approved: 2011-03-15
Data version: 1
Age of data: 171 months

Institution

Opportunity International Savings & Loans Ltd. P.O Box JT 323, Accra, GhanaNo. D765/3 Kwame Nkrumah AvenueAccra, Greater Accra233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
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Product

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Product

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Product Summary

Number borrowers139
Loan Amount (range)COP 1,000 - 12,875,000
Loan Term (range)12 - 36
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Annual Interest & Method24.0% annual, Decl Bal
Fees5.00% upfront
Insurance20.00% ongoing Y
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component28.3% - 33.7% (Int+Fee)
Insurance Component0.9% - 4.5%
Tax Component Range0
Full APR (int fee ins tax dep)29.2% - 34.7%
Transparency Index (min/max)53 - 82
Transparency Index (average)74

Product Summary

37,299
GHS 145 - 4,000
3 - 12
Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
41.0% annual, Flat
3.50% upfront 3.00 upfront
1.00% upfront
None
15.0% upfront
 
N/A
56.7% - 122.0% (Int+Fee)
1.2% - 6.1%
0
76.9% - 161.4%
0 - 72
32

Product Details

Key Statistics
Outstanding portfolio (COP)COP 470,842,888
Portfolio (USD)USD 258,704.88
Active Clients with Loans139
Approximate % Female Clients60% - 80%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Producto para fortalecimiento de emprendimientos microempresariales, y empresas de economía solidaria, urbanas y rurales existentes. Los servicios de este crédito son para capital de trabajo y para compra de activos fijos.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
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 institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 17,644,616
Portfolio (USD)USD 11,763,077
Active Clients with Loans37,299
Approximate % Female Clients80% - 100%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity groupx
Village banking
Self help groupx
Other
Description
Micro business men and women come together to access the fascility \rAccess to free training in leadership development, financial literacy and community development\rNo collateral required\r
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyCOP
Minimum loan sizeCOP 1,000
Maximum loan size12,875,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term36.0 months
Approx average24.0 months
Grace Period
Grace period usage0
Average grace period0
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

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 145
Maximum loan size4,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage100%
Average grace period0.5 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest2.00%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLey MiPYME
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
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 1Ins 2
DescriptionF.R.G. (Fondo Nacional de Garantías)Seguro de Vida
% of loan amount - min20.00%1.20%
% of loan amount - max20.00%1.20%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
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

Pricing Information

Interest
Lowest quoted nominal interest41.04%
Highest quoted nominal interest41.04%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionProcessing feeApplication fee
% of loan amount - min3.50%0
% of loan amount - max3.50%0
OR, Fixed amount - min03
Fixed amount - max03
Reason for variation
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Insurance
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited15.00% - N/A
or, Fixed-amount deposited0 - N/A
Deposits DURING period payments
% loan amount deposited0 - N/A
or, Fixed-amount deposited0 - N/A
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid3.00%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No
Additional Comments
All compulsory savings greater than 1 Ghana Cedis earn an interest rate of 3% paid on their deposit\r

Full Pricing Data

Microempresarios Urbanos samples
Sample 1Sample 2Sample 3
Loan AmountCOP 1,575,000COP 3,010,950COP 10,600,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-03-182011-02-082011-02-25
Loan Term (Months)24.0 months28.0 months36.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component33.7%28.3%32.1%
Insurance Component1.0%1.0%0.9%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)34.7%29.2%33.0%
Transparency Index698273
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Group Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountGHS 300GHS 800GHS 1,200GHS 2,500
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-12-242012-11-012012-12-192012-10-08
Loan Term (Months)3.7 months5.6 months5.6 months9.3 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component122.0%97.2%97.7%56.7%
Insurance Component5.0%4.0%4.1%2.4%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component34.4%30.9%31.2%17.8%
Full APR (int fee ins tax dep)161.4%132.1%133.0%76.8%
Transparency Index25313153
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Microempresarios Urbanos Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeFUNDAUNIBANInstitutionCO-024-V01-P02ProductCOCountry2011YearRange Number1Institution Data Version02,000,0004,000,0006,000,0008,000,00010,000,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 70304Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
Group Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.OtherInstitution TypeBusinessLoan PurposeOISLInstitutionGH-036-V01-P04ProductGHCountry2011YearRange Number1Institution Data Version05001,0001,5002,0002,500Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 11,0008,3005,5002,700300Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
Caps / Zoom options
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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X Axis
Greater than:
Less or equal to:
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Total Borrrowers of Samples
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Std Dev
By Inst Type
By Country

Total Borrowers of Samples

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