| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.asp-i.org/asp-i/ |
| Year established | 2003 |
| Head of Institution | Moses O.T Owharo |
| Regions active | Greater Accra Region, Volta Region |
| # Branches | 0 |
| Total Portfolio (nat'l) | GHS 174,550 |
| Total Portfolio (USD) | USD 88,604.06 |
| Active clients with loans | 845 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | GHAMFIN, ASSFIN, Coalition of NGOs in Health, Microcredit summit campaign, USA |
| Funders | USAID, UBA, Zenith Bank, Ghana Commercial Bank |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | GHS 400 - 15,000 | 4 - 24 | 40% - 60% | 0% - 20% | Business, Used for agricultural purposes | Women, Men, Have business, Must own a farm or animals, fish, etc. | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Health Education, Technology Management | |||||||
| Individual Loan | GHS 100 - 3,000 | 3 - 12 | 60% - 80% | 40% - 60% | Business, Consumer, Education | Women, Men, Have business, Salaried worker, Must provide a guarantor | Credit Educ, Tech Asst Visits, Business Training, Health Education | |||||||
| SME Loan | GHS 1,500 - 5,000 | 4 - 8 | 80% - 100% | 60% - 80% | Business | Women, Men, Have business, Must be a graduate from a small group loan, Must provide guarantor | Credit Educ, Tech Asst Visits, Business Training | |||||||
| Petty Traders Loan (PTL) | GHS 50 - 2,000 | 3 - 12 | 80% - 100% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 48.00% annual, Flat | 1 Fee | 0 Ins | None | 15.00%-30.00% upfront | 93% - 112.1% | 137.1% - 163.9% | 32 | ||||||||
| Individual Loan | 48.00% annual, Flat | 1 Fee | 0 Ins | None | 20.00% upfront | 118.9% - 159.8% | 174.6% - 205.5% | 25 | ||||||||
| SME Loan | 48.00% annual, Flat | 1 Fee | 0 Ins | None | 15.00%-20.00% upfront | 107.9% - 136% | 157.9% - 182.6% | 28 | ||||||||
| Petty Traders Loan (PTL) | 48.00% annual, Flat | 1 Fee | 0 Ins | None | 20.00% upfront | 118.9% - 125.8% | 174.6% - 183.6% | 26 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| APAS | 320 | 128,000 | 2 | 163 |
| BRAC-UGA | 139,200 | 28,254,000 | 3 | 119 |
| Centenary Bank | 133,802 | 221,144,231 | 4 | 144 |
| EBO SACCO | 1,500 | 1,240,382 | 2 | 144 |
| Equity Bank | 13,069 | 57,252,004 | 0 | 144 |
| Finance Trust | 22,555 | 17,520,424 | 5 | 144 |
| FINCA-UGA | 56,300 | 27,402,000 | 4 | 117 |
| Five Talents | 5,365 | 368,057 | 2 | 144 |
| Gatsby | 1,346 | 2,440,236 | 2 | 144 |
| Habitat Uganda | 858 | 265,508 | 1 | 144 |
| Hofokam | 20,908 | 4,793,200 | 6 | 144 |
| KACITA | 156 | 60,318 | 1 | 144 |
| Madfa SACCO | 4,832 | 288,674 | 5 | 144 |
| Opportunity | 23,734 | 13,560,846 | 13 | 144 |
| RUCREF | 5,557 | 898,380 | 4 | 163 |
| Rushere SACCO | 983 | 574,549 | 2 | 144 |
| SAO | 204 | 62,768 | 1 | 144 |
| Silver Upholders | 2,111 | 189,189 | 4 | 144 |
| THPU | 6,528 | 676,391 | 1 | 144 |
| UGAFODE | 8,197 | 4,720,446 | 9 | 144 |
| VF Uganda | 13,072 | 3,221,675 | 5 | 144 |
| Wakiso | 513 | 276,000 | 1 | 144 |
| Y-SAVE | 208 | 1,686,485 | 1 | 144 |
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