| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 1996 |
| Head of Institution | Yolanda Haro Davila |
| Regions active | |
| # Branches | 7 |
| Total Portfolio (nat'l) | USD 7,934,963.10 |
| Total Portfolio (USD) | USD 7,934,963.10 |
| Active clients with loans | 2,059 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Red Financiera Rural, Ucaccentro |
| Funders | Red Financiera Rural, Ucaccentro |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.cedefgh.wix.com/cedef |
| Year established | 2006 |
| Head of Institution | Magnus Amoa-Bosompem |
| Regions active | Greater Accra Region, Central Region, Eastern Region |
| # Branches | 1 |
| Total Portfolio (nat'l) | GHS 106,980 |
| Total Portfolio (USD) | USD 54,304.57 |
| Active clients with loans | 535 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | ASSFIN, GHAMFIN, Financieros sin Fronteras |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credi - Emergente | USD 200 - 500 | 3 - 8 | 40% - 60% | 40% - 60% | Any Purpose | Women, Men, Have business, Have home or land, Salaried worker, Hacer un ahorro mensual de minimo 10,00 mensuales durante 1 año. | ||||||||
| Microcredito | USD 100 - 20,000 | 1 - 48 | 80% - 100% | 60% - 80% | Business | Women, Men, Have business, Have home or land, Salaried worker | Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Production Credit | GHS 1,000 - 1,000 | 8 - 12 | 60% - 80% | 0% - 20% | Business | Women, Men, Must have farming experience | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Training on Agricultural Best Practices | |||||||
| Apprenticeship Start-up Credit Program | GHS 500 - 1,000 | 6 - 12 | 80% - 100% | 40% - 60% | Business, Start-up businesses | Women, Men, Specific age group, Must be in youth age group | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training | |||||||
| Efficient Energy Credit Program | GHS 200 - 1,000 | 3 - 6 | 80% - 100% | 0% - 20% | Consumer | Women, Men | Credit Educ, Group Mtgs, Tech Asst Visits, Workshop/training orientation demonstration | |||||||
| Micro Enterprise Development | GHS 100 - 3,000 | 6 - 12 | 80% - 100% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credi - Emergente | 19.0% annual, Decl Bal | 0 Fees | 1 Ins | None | 10.00 ongoing | 0% | 0% | N/A | ||||||||
| Microcredito | 18.0% annual, Decl Bal | 0 Fees | 1 Ins | None | 5.00 ongoing | 0% | 0% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Production Credit | 30.00% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 23.8% - 25.1% | 23.8% - 25.1% | 100 | ||||||||
| Apprenticeship Start-up Credit Program | 48.00%-54.00% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 40.5% - 41.9% | 40.5% - 41.9% | 100 | ||||||||
| Efficient Energy Credit Program | 36.00%-54.00% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 49.8% | 49.8% | 72 | ||||||||
| Micro Enterprise Development | 36.00%-54.00% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 40.8% - 41.5% | 40.8% - 41.5% | 87 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credi - Emergente | 19.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | 10.00 ongoing | 0% | 0% | N/A | ||||||||
| Microcredito | 18.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | 5.00 ongoing | 0% | 0% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Production Credit | 30.00% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 23.8% - 25.1% | 23.8% - 25.1% | 100 | ||||||||
| Apprenticeship Start-up Credit Program | 48.00%-54.00% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 40.5% - 41.9% | 40.5% - 41.9% | 100 | ||||||||
| Efficient Energy Credit Program | 36.00%-54.00% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 49.8% | 49.8% | 72 | ||||||||
| Micro Enterprise Development | 36.00%-54.00% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 40.8% - 41.5% | 40.8% - 41.5% | 87 |
| Key Statistics | |
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| % Products using declining balance | |
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| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
