2. CEDEF
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. ProCredit
Please note that the information you are viewing is 172 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Calvary Enterprise Development Foundation Head OfficeMamprobi, Accra, Greater AccraP.O. Box MP 2468
Data approved: 2013-03-18
Data version: 2
Age of data: 139 months
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Institution

Banco Los Andes ProCredit S.A. Av. Cristo Redentor No. 3730 entre 4 y 5 anilloSanta Cruz de la Sierra, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: 172 months

Product

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Product

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Product Summary

Number borrowers50
Loan Amount (range)GHS 200 - 1,000
Loan Term (range)3 - 6
Other Services (text summary)Credit Educ, Group Mtgs, Tech Asst Visits, Workshop/training orientation demonstration
Annual Interest & Method36.00%-54.00% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component23.8% - 49.8%
Fee Component0
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)49.8%
Transparency Index (min/max)72 - 126
Transparency Index (average)72

Product Summary

4,573
USD 242 - 20,000
2 - 143
Credit Ins
7.4%-36.0% annual, Decl Bal
None
None
15.00% Principal
N/A
 
N/A
15.8% - 23.6% (Int+Fee)
0
0.0% - 0.9%
16.0% - 24.0%
16 - 83
39

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 12,580
Portfolio (USD)USD 6,385.79
Active Clients with Loans50
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Designed for the purchasing of alternative energy products and equipment, like solar panels and lamps, energy efficient stoves, coal pots, etc.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loanx
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business training
Other training
OtherWorkshop/training orientation demonstration
Other (2)
No other services
Eligibility
Menx
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 institution3
# Regions for this product2
Regions ActiveGreater Accra Region, Central Region

Product Details

Key Statistics
Outstanding portfolio (USD)USD 19,967,105.90
Portfolio (USD)USD 19,967,105.90
Active Clients with Loans4,573
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity group
Village banking
Self help group
OtherN/A
Description
Producto destinado a la compra de vivienda o de terrenos, refacción, ampliación,\ranticrético, construcción, instalación de servicios básicos o cualquier otro destino que implique un\rmejoramiento de vivienda.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
OtherPara Compra y construccion de vivienda
Other (2)Para compra de terreno
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
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
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 200
Maximum loan size1,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,000100%
GHS 1,000-5,0000
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 term6.0 months
Approx average3.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less60%
Between 4 and 6 months40%
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 period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 242
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term2.0 months
Longest loan term143.0 months
Approx average49.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end paymentx
Irregular paymentsx

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest4.50%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
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
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest7.44%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termNo
Upfront Fees
This product has no upfront fees
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 forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A

Full Pricing Data

Efficient Energy Credit Program samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountGHS 300GHS 400GHS 600GHS 800
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-12-102012-12-102012-12-052012-12-08
Loan Term (Months)10.0 months10.0 months10.0 months10.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditGHS 69.30GHS 92.40GHS 138.60GHS 184.80
True Price by Comp       
Interest price component49.8%49.8%49.8%49.8%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)49.8%49.8%49.8%49.8%
Transparency Index72727272
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Creditos para Vivienda ME samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 400USD 1,000USD 2,000USD 4,000USD 8,000USD 12,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-03-292010-03-232010-05-082010-03-202010-05-192010-05-11
Loan Term (Months)7.0 months24.0 months36.0 months60.0 months27.0 months60.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component23.6%22.3%20.6%18.3%15.8%16.3%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.4%0.2%0.1%0.1%0.1%0.1%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)24.0%22.5%20.7%18.3%16.0%16.3%
Transparency Index313336414746
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Efficient Energy Credit Program 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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