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

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 Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.cedefgh.wix.com/cedef
Year established2006
Head of InstitutionMagnus Amoa-Bosompem
Regions activeGreater Accra Region, Central Region, Eastern Region
# Branches1

Total Portfolio (nat'l)GHS 106,980
Total Portfolio (USD)USD 54,304.57
Active clients with loans535
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsASSFIN, GHAMFIN, Financieros sin Fronteras
Funders

Loan Products » Summary

Agricultural
150 Borrowers
USD 23,604.06 Portfolio
Active Product
Start-up
50 Borrowers
USD 7,614.21 Portfolio
Active Product
Energy
50 Borrowers
USD 6,385.79 Portfolio
Active Product
Enterprise
285 Borrowers
USD 16,700.51 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Production Credit GHS 1,000 - 1,000 8 - 12 60% - 80% 0% - 20% Business Women, Men, Must have farming experience Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Training on Agricultural Best Practices
Apprenticeship Start-up Credit Program GHS 500 - 1,000 6 - 12 80% - 100% 40% - 60% Business, Start-up businesses Women, Men, Specific age group, Must be in youth age group Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Efficient Energy Credit Program GHS 200 - 1,000 3 - 6 80% - 100% 0% - 20% Consumer Women, Men Credit Educ, Group Mtgs, Tech Asst Visits, Workshop/training orientation demonstration
Micro Enterprise Development GHS 100 - 3,000 6 - 12 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Production Credit 30.00% annual, Decl Bal 0 Fees 0 Ins None N/A 23.8% - 25.1% 23.8% - 25.1% 100
Apprenticeship Start-up Credit Program 48.00%-54.00% annual, Decl Bal 0 Fees 0 Ins None N/A 40.5% - 41.9% 40.5% - 41.9% 100
Efficient Energy Credit Program 36.00%-54.00% annual, Decl Bal 0 Fees 0 Ins None N/A 49.8% 49.8% 72
Micro Enterprise Development 36.00%-54.00% annual, Decl Bal 0 Fees 0 Ins None N/A 40.8% - 41.5% 40.8% - 41.5% 87
Institution Price Graph
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  2. AMSSF
Please note that the information you are viewing is 134 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Association Marocaine Soladirite Sans Frontieres / Micro-Credit 1, Rue Abi, Dar El GhoufariQuartier Prince Heritier 1er EtageFès, Maroc30000
Data approved: 2013-04-25
Data version: 1
Age of data: 134 months

Product

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Product Details

Key Statistics
Outstanding portfolio (MAD)MAD 1,397,500
Portfolio (USD)USD 164,411.76
Active Clients with Loans107
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Produit profili avec remboursement du capital ? la fin de cycle de pr?t
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
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 institution5
# Regions for this product2
Regions ActiveFes-Meknes, Beni Mellal-Khenifra

Loan Conditions

Loan Amount
CurrencyMAD
Minimum loan sizeMAD 3,000
Maximum loan size25,000
Distribution at Disbursement (Est.)
Loans less than MAD 5,0000
MAD 5,000-15,00060%
MAD 15,000-25,00040%
MAD 25,000-35,0000
MAD 35,000-45,0000
Greater than MAD 45,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term6.0 months
Approx average5.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest2.00%
Interest rate period4 Weeks
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
Fee 1
DescriptionFrais de Dossier
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFees that are not mentioned in the "frais dossier" are included in the loan costs since implementation of a new MIS.
Appears on Repayment Sched?Yes
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
Additional Comments
Pr?t avec remboursement du capital ? la fin du p?riode

Full Pricing Data

Produit Fellah samples
Sample 2Sample 3Sample 4
Loan AmountMAD 4,900MAD 9,800MAD 17,640
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-03-122013-03-192013-02-14
Loan Term (Months)4.6 months3.7 months4.7 months
Grace Period (Months)3.7 months2.8 months3.7 months
Total Cost of CreditMAD 600MAD 1,000MAD 2,160
True Price by Comp     
Interest price component26.5%26.6%26.3%
Fee Component5.0%6.3%5.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)31.5%32.9%31.3%
Transparency Index827983
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Produit Fellah Price Graphs


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% Products with one or more insurances
% Products with compulsory deposits
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