2. APED
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  2. CCODE
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Institution

Association of Progressive Entrepreneurs in Development Head OfficeAccraP.O. Box CT 78 PMB
Data approved: 2013-02-15
Data version: 2
Age of data: 141 months
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Institution

The Centre for Community Organisation and Development Head OfficeLilongwePO Box 2109
Data approved: 2012-12-04
Data version: 2
Age of data: 144 months
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.worldvision.org/
Year established2001
Head of InstitutionSpencer Badu
Regions activeGreater Accra Region, Central Region, Western Region, Eastern Region, Volta Region, Ashanti Region, Brong Ahafo Region, Northern Region, Upper East Region, Upper West Region
# Branches7

Total Portfolio (nat'l)GHS 3,697,508
Total Portfolio (USD)USD 1,876,907.61
Active clients with loans13,774
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsASSFIN, GHAMFIN, Vision Fund International
FundersWorld Vision International, Vision Fund International

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established2003
Head of InstitutionSiku Nkhoma
Regions activeDedza, Dowa, Kasungu, Lilongwe, Ntcheu, Salima, ChitipaKaronga, Mzimba, Nkhata Bay, Rumphi, Balaka, Blantyre, Chikwawa, Chiradzulu, Machinga, Mulanje
# Branches1

Total Portfolio (nat'l)MWK 250,550,466.50
Total Portfolio (USD)USD 642,437.09
Active clients with loans2,351
Approximate % female clients80% - 100%
Approximate % urban clients60% - 80%
Network affiliationsSlum Dwellers International, MAMN, Malawi Homeless People's Federation
FundersSlum Dwellers International, Homeless International, African Development Bank, WASTE

Loan Products » Summary

Farmer
3,045 Borrowers
USD 332,219.31 Portfolio
Active Product
Working
10,729 Borrowers
USD 1,544,688.13 Portfolio
Active Product

Loan Products » Summary

Business
139 Borrowers
USD 2,375.73 Portfolio
Active Product
Home
334 Borrowers
USD 4,065.71 Portfolio
Active Product
Sanitation
870 Borrowers
USD 132,828.60 Portfolio
Active Product
Water
255 Borrowers
USD 14,796.76 Portfolio
Active Product
Home Loan
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Farmer Loan GHS 300 - 7,000 6 - 8 60% - 80% 0% - 20% Business, Agriculture Women, Men, Have business, Specific age group, Must be resident in community near branch for at least on year Group Mtgs, Credit Ins, Business Training, Other Training, Extention Services
Working Capital Loan GHS 800 - 8,500 4 - 12 60% - 80% 20% - 40% Business Women, Men, Have business, Specific age group, Must be resident in community near branch for at least on year Group Mtgs, Credit Ins, Business Training, Other Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan MWK 10,000 - 10,000 6 80% - 100% 80% - 100% Business, Can only be used for working capital Women, Men, Must be a member of the Malawi Homeless People's Federation. Business Training
Home Improvement Loan MWK 20,000 - 20,000 24 80% - 100% 80% - 100% Housing Women, Men, Must be a member of the Malawi Homeless People's Federation
Sanitation Loan MWK 40,000 - 100,000 24 80% - 100% 80% - 100% Sanitation Women, Men, Residents from the peri urban areas
Water Loan MWK 18,000 - 120,000 24 60% - 80% 80% - 100% water supply Women, Men, Residents from the peri urban areas

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Farmer Loan 39.00%-52.00% annual, Flat 2 Fees 1 Ins None 15.00%-20.00% upfront 43.1% - 51.9% 55.1% - 68% 65
Working Capital Loan 39.00%-52.00% annual, Flat 2 Fees 1 Ins None 15.00%-20.00% upfront 81.2% - 106.3% 119.1% - 182.5% 24

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 24.00% annual, Decl Bal 0 Fees 0 Ins None 10.00% upfront 16.8% 16.8% 100
Home Improvement Loan 12.00% annual, Decl Bal 0 Fees 0 Ins None 10.00% upfront 10.9% 10.9% 100
Sanitation Loan 12.00% annual, Decl Bal 0 Fees 0 Ins None 10.00% upfront 10.9% 10.9% 100
Water Loan 12.00% annual, Decl Bal 0 Fees 0 Ins None 10.00% upfront 10.9% - 11% 10.9% - 11% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Farmer Loan 39.00%-52.00% annual, Flat 2 Fees 1 Ins Ins None 15.00%-20.00% upfront 43.1% - 51.9% 55.1% - 68% 65
Working Capital Loan 39.00%-52.00% annual, Flat 2 Fees 1 Ins Ins None 15.00%-20.00% upfront 81.2% - 106.3% 119.1% - 182.5% 24

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 24.00% annual, Decl Bal 0 Fees 0 Ins Ins None 10.00% upfront 16.8% 16.8% 100
Home Improvement Loan 12.00% annual, Decl Bal 0 Fees 0 Ins Ins None 10.00% upfront 10.9% 10.9% 100
Sanitation Loan 12.00% annual, Decl Bal 0 Fees 0 Ins Ins None 10.00% upfront 10.9% 10.9% 100
Water Loan 12.00% annual, Decl Bal 0 Fees 0 Ins Ins None 10.00% upfront 10.9% - 11% 10.9% - 11% 100
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