| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | No |
| Website address | http://www.coacsantaanita.com/ |
| Year established | 2001 |
| Head of Institution | Edison Caicedo |
| Regions active | |
| # Branches | 4 |
| Total Portfolio (nat'l) | USD 2,536,758 |
| Total Portfolio (USD) | USD 2,536,758 |
| Active clients with loans | 2,047 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Red Financiera Rural, Ucacnor, Fecoac |
| Funders |
| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | Yes |
| Website address | http://www.mailfinancegh.com |
| Year established | 2005 |
| Head of Institution | Mark Gborgbor |
| Regions active | Greater Accra Region |
| # Branches | 0 |
| Total Portfolio (nat'l) | GHS 568,292 |
| Total Portfolio (USD) | USD 288,473.10 |
| Active clients with loans | 342 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | GAMFIN, GCSCA |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Consumo | USD 100 - 15,000 | 1 - 48 | 60% - 80% | 20% - 40% | Any Purpose | Women, Men, Salaried worker | Credit Ins, Tech Asst Visits | |||||||
| Microagropecuario | USD 100 - 15,000 | 1 - 48 | 40% - 60% | 20% - 40% | Business, Usar solo para capital de trabajo | Women, Men | Credit Ins, Tech Asst Visits | |||||||
| Microempresarial | USD 100 - 15,000 | 1 - 49 | 40% - 60% | 20% - 40% | Business | Women, Men, Tener calificacion hasta B en central de riesgos o buro de credito | Credit Ins, Tech Asst Visits |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microfinance Loan | GHS 100 - 30,000 | 6 - 12 | 60% - 80% | 60% - 80% | 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Consumo | 13.8% annual, Decl Bal | 2 Fees | 0 Ins | None | 6.7% upfront 5.00% ongoing | 14% - 15.2% | 15.6% - 22% | 77 | ||||||||
| Microagropecuario | 20.1%-25.0% annual, Decl Bal | 2 Fees | 0 Ins | None | 6.7% upfront | 20.3% - 26.9% | 22.5% - 36.2% | 71 | ||||||||
| Microempresarial | 20.1%-25.0% annual, Decl Bal | 2 Fees | 0 Ins | None | 6.7% upfront 5.00 ongoing | 18.8% - 26.9% | 20.7% - 41.2% | 69 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microfinance Loan | 60.00% annual, Flat | 1 Fee | 1 Ins | None | 5.00%-50.00% upfront | 103.3% - 111.6% | 194.6% - 373.8% | 22 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Consumo | 13.8% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | 6.7% upfront 5.00% ongoing | 14% - 15.2% | 15.6% - 22% | 77 | ||||||||
| Microagropecuario | 20.1%-25.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | 6.7% upfront | 20.3% - 26.9% | 22.5% - 36.2% | 71 | ||||||||
| Microempresarial | 20.1%-25.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | 6.7% upfront 5.00 ongoing | 18.8% - 26.9% | 20.7% - 41.2% | 69 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microfinance Loan | 60.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.00%-50.00% upfront | 103.3% - 111.6% | 194.6% - 373.8% | 22 |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
