2. ASPI
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Diaconia
Please note that the information you are viewing is 130 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

AIDEZ Small Project International HSN C191/18, AbelemkpeAccra, Greater Accra
Data approved: 2013-03-26
Data version: 2
Age of data: 139 months
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Institution

Diaconia Av. Juan Pablo II No 125 El AltoLa Paz
Data approved: 2013-09-16
Data version: 2
Age of data: 130 months
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Product

Individual Loan Product 3 of 8 « Prev | Next »

Product

Credito de Banca Communal Product 1 of 2 « Prev | Next »

Product Summary

Number borrowers236
Loan Amount (range)GHS 100 - 3,000
Loan Term (range)3 - 12
Other Services (text summary)Credit Educ, Tech Asst Visits, Business Training, Health Education
Annual Interest & Method48.00% annual, Flat
Fees4.00% upfront
InsuranceNone
TaxNone
Comp Dep20.00% upfront
Range of pricing 
Interest Price Component77.3% - 114.4%
Fee Component11.4% - 48.3%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)174.6% - 205.5%
Transparency Index (min/max)23 - 35
Transparency Index (average)25

Product Summary

27,255
BOB 200 - 10,000
4 - 10
Group Mtgs
36.0% annual, Flat
None
0.20%-0.50% upfront
None
20.0% upfront 20.00% ongoing
 
17.1% - 59.6%
0
0.6% - 2.2%
0
93.5% - 106.7%
34 - 73
36

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 5,400
Portfolio (USD)USD 2,741.12
Active Clients with Loans236
Approximate % Female Clients60% - 80%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Designed for individual clients. Usually the loan amount is higher than what is possible through a group loan.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loanx
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visitsx
Business trainingx
Other training
OtherHealth Education
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried workerx
Must be specific age group
OtherMust provide a guarantor
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActiveGreater Accra Region, Volta Region

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 67,181,595.67
Portfolio (USD)USD 9,952,828.99
Active Clients with Loans27,255
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Microcredito sucesivo y escalonado concedido a una agrupacion con garantia solidaria mancomunada e indivisible.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
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 institution8
# Regions for this product6
Regions ActiveChuquisaca , Cochabamba , La Paz , Oruro , Potosí, Tarija

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 100
Maximum loan size3,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,00060%
GHS 1,000-5,00040%
GHS 5,000-7,5000
GHS 7,500-10,0000
GHS 10,000-13,0000
Greater than GHS 13,0000
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 less40%
Between 4 and 6 months60%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period2.0 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthly
Every 2 monthsx
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 200
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,000100%
BOB 10,000-40,0000
BOB 40,000-70,0000
BOB 70,000-100,0000
BOB 100,000-125,0000
Greater than BOB 125,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term10.0 months
Approx average7.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months30%
Between 7 and 9 months50%
Between 10 and 12 months20%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace periodDK
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeksx
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest4.00%
Highest quoted nominal interest4.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProessing Fee
% of loan amount - min4.00%
% of loan amount - max4.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
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?No
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest36.00%
Highest quoted nominal interest36.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionSeguro de desgravamen y sepelio
% of loan amount - min0.20%
% of loan amount - max0.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationEl costo es de 0.05% del monto del préstamo multiplicado por el número de períodos de pago.
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?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited20.00%
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid1.00%
Maximum interest rate paid3.00%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No

Full Pricing Data

Individual Loan samples
Sample 2Sample 3Sample 4
Loan AmountGHS 800GHS 1,400GHS 2,500
Loan Cycle (1, 2, 3, etc)22Not Known
Disbursement Date2013-01-122013-01-122013-04-17
Loan Term (Months)2.6 months3.5 months1.6 months
Grace Period (Months)0.2 months0.2 months0.2 months
Total Cost of CreditGHS 128GHS 280GHS 350.20
True Price by Comp     
Interest price component92.1%92.7%111.5%
Fee Component33.7%26.2%48.3%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component57.8%55.7%45.7%
Full APR (int fee ins tax dep)183.6%174.6%205.5%
Transparency Index262723
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Credito de Banca Communal samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountBOB 500BOB 2,000BOB 2,500BOB 6,000BOB 8,000BOB 8,500
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-08-082013-10-292013-07-222013-07-262013-10-112013-08-15
Loan Term (Months)9.0 months6.0 months8.0 months10.0 months6.0 months8.0 months
Grace Period (Months)0.4 months0.0 months0.4 months0.2 months0.4 months0.2 months
Total Cost of CreditBOB 134.75BOB 374BOB 597.50BOB 1,740BOB 1,464BOB 1,980.50
True Price by Comp           
Interest price component58.0%59.6%57.7%59.6%55.8%59.0%
Fee Component0.0%0.0%0.0%0.0%0.0%0.0%
Insurance Component1.2%2.2%1.1%1.2%1.1%1.1%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component39.0%44.9%39.2%41.8%36.6%42.0%
Full APR (int fee ins tax dep)98.2%106.7%98.0%102.6%93.5%102.1%
Transparency Index373437353935
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Individual Loan Price Graphs


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Credito de Banca Communal Price Graphs


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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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