| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.worldvision.org/ |
| Year established | 2001 |
| Head of Institution | Spencer Badu |
| Regions active | Greater Accra Region, Central Region, Western Region, Eastern Region, Volta Region, Ashanti Region, Brong Ahafo Region, Northern Region, Upper East Region, Upper West Region |
| # Branches | 7 |
| Total Portfolio (nat'l) | GHS 3,697,508 |
| Total Portfolio (USD) | USD 1,876,907.61 |
| Active clients with loans | 13,774 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | ASSFIN, GHAMFIN, Vision Fund International |
| Funders | World Vision International, Vision Fund International |
| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.oportunity.org/ |
| Year established | 2005 |
| Head of Institution | Ian Campbell |
| Regions active | Maputo Capital, Gaza, Sofala, Manica, Zambezia, Nampula, Tete |
| # Branches | 19 |
| Total Portfolio (nat'l) | MZN 216,104,944 |
| Total Portfolio (USD) | USD 7,108,715.26 |
| Active clients with loans | 18,942 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | Opportunity International, AMOMIF |
| Funders | Opportunity US and Opportunity UK, CIDA, DFID, UE |
| 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 |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Agricultura | MZN 1,512 - 13,485 | 2 - 12 | 40% - 60% | 0% - 20% | Business, Agriculture | Women, Men, Have business | Credit Educ, Group Mtgs, Tech Asst Visits | |||||||
| Credito Individual | MZN 5,000 - 103,093 | 4 - 12 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business | Credit Ins | |||||||
| Credito Solidario | MZN 1,000 - 12,180 | 3 - 8 | 0% | 60% - 80% | Business | Women, Men, Have business | Group Mtgs |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Agricultura | 36.0%-60.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 15.0% upfront | 37.8% - 48.9% | 43.8% - 55.5% | 76 | ||||||||
| Credito Individual | 66.0% annual, Decl Bal | 1 Fee | 1 Ins | N/A fixed | N/A | 68.6% - 71.1% | 71.8% - 76.2% | 90 | ||||||||
| Credito Solidario | 72.0% annual, Flat | 1 Fee | 0 Ins | N/A fixed | 10.0% upfront | 69.4% - 76.4% | 83.2% - 91.6% | 83 |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Agricultura | 36.0%-60.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 15.0% upfront | 37.8% - 48.9% | 43.8% - 55.5% | 76 | ||||||||
| Credito Individual | 66.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | N/A fixed | N/A | 68.6% - 71.1% | 71.8% - 76.2% | 90 | ||||||||
| Credito Solidario | 72.0% annual, Flat | 1 Fee | 0 Ins Ins | N/A fixed | 10.0% upfront | 69.4% - 76.4% | 83.2% - 91.6% | 83 |
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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 |
|---|---|---|---|---|---|---|---|
