2. CEDEF
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  2. AccessBank
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Institution

Calvary Enterprise Development Foundation P. O Box MP 2468Mamprobi, Accra, Greater Accra233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
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Institution

AccessBank Closed Joint-Stock Company B. Seferoglu Street, 176BakuAZ1000
Data approved: 2010-05-24
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established2006
Head of InstitutionMagnus Amoa-Bosompem
Regions active0
# Branches0

Total Portfolio (nat'l)GHS 519,300
Total Portfolio (USD)USD 346,200
Active clients with loans1,514
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsAssociation of Financial NGOs, Ghana Micro Finance Institutions Network
Funders

Institution Details

Institution TypeBank
Is this institution regulated?N/A
Website addresshttp://www.accessbank.az/
Year established2002
Head of InstitutionAndrew Pospielovsky
Regions active0
# Branches24

Total Portfolio (nat'l)AZN 255,336,476
Total Portfolio (USD)USD 319,170,595
Active clients with loans109,208
Approximate % female clients20% - 40%
Approximate % urban clients60% - 80%
Network affiliations
Funders

Loan Products » Summary

Agricultural Production Credit
101 Borrowers
USD 67,333 Portfolio
Active Product
Apprenticeship Start-up Credit Program
25 Borrowers
USD 10,000 Portfolio
Active Product
Efficient Energy Credit Program
100 Borrowers
USD 13,333 Portfolio
Active Product
Micro Enterprise Development
1,060 Borrowers
USD 242,340 Portfolio
Active Product

Loan Products » Summary

Micro AZN
37,237 Borrowers
USD 75,923,547.50 Portfolio
Active Product
Micro USD
15,218 Borrowers
USD 63,431,577 Portfolio
Active Product
Agri AZN
27,921 Borrowers
USD 47,258,637.50 Portfolio
Active Product
Agri USD
2,102 Borrowers
USD 9,451,727 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%
Apprenticeship Start-up Credit Program 0 0 80% - 100% 40% - 60%
Efficient Energy Credit Program GHS 200 - 1,000 3 - 6 80% - 100% 0% - 20%
Micro Enterprise Development GHS 100 - 3,000 6 - 12 80% - 100% 40% - 60%

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro standard loan (manat) AZN 100 - 16,000 1 - 36 20% - 40% 60% - 80% Business Women, Men, Have business, Combined collateral, Regular stable income
Micro standard loan (USD) USD 100 - 20,000 1 - 36 20% - 40% 60% - 80% Business Women, Men, Have business, Combined collateral, Regular stable income
Micro Agricultural loan (manat) AZN 100 - 16,000 1 - 36 0% - 20% 0% - 20% Business Women, Men, Have business, Borrowers receiving income from agricultural business
Micro agricultural loan (USD) USD 100 - 20,000 1 - 36 0% - 20% 0% - 20% Business Women, Men, Have business, Borrowers receiving income from agricultural business

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%-0.00% annual, Decl Bal 2 Fees 0 Ins N/A 18.6% - 29.4% 18.6% - 29.4% 100
Apprenticeship Start-up Credit Program 0.00% annual, 0 0 Fees 0 Ins 55.1% - 59.5% 55.1% - 59.5%
Efficient Energy Credit Program 36.00%-0.00% annual, Decl Bal 1 Fee 0 Ins N/A 61.2% 61.2% 58
Micro Enterprise Development 36.00%-0.00% annual, Flat 1 Fee 1 Ins N/A 61.2% - 64.8% 64.6% - 68.4% 54

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro standard loan (manat) 27.0%-36.0% annual, Decl Bal 1 Fee 0 Ins None N/A 39.9% - 0% 39.9% - 44.6% 64
Micro standard loan (USD) 27.0%-33.0% annual, Decl Bal 1 Fee 0 Ins None N/A 30.4% - 0% 30.4% - 37.7% 77
Micro Agricultural loan (manat) 27.0%-36.0% annual, Decl Bal 1 Fee 0 Ins None N/A 36.2% - 0% 37.2% - 49.2% 63
Micro agricultural loan (USD) 27.0%-33.0% annual, Decl Bal 1 Fee 0 Ins None N/A 36.4% - 0% -12.8% - 44.6% 21

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%-0.00% annual, Decl Bal 2 Fees 0 Ins Ins N/A 18.6% - 29.4% 18.6% - 29.4% 100
Apprenticeship Start-up Credit Program 0.00% annual, 0 0 Fees 0 Ins Ins 55.1% - 59.5% 55.1% - 59.5%
Efficient Energy Credit Program 36.00%-0.00% annual, Decl Bal 1 Fee 0 Ins Ins N/A 61.2% 61.2% 58
Micro Enterprise Development 36.00%-0.00% annual, Flat 1 Fee 1 Ins Ins N/A 61.2% - 64.8% 64.6% - 68.4% 54

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro standard loan (manat) 27.0%-36.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 39.9% - 0% 39.9% - 44.6% 64
Micro standard loan (USD) 27.0%-33.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 30.4% - 0% 30.4% - 37.7% 77
Micro Agricultural loan (manat) 27.0%-36.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 36.2% - 0% 37.2% - 49.2% 63
Micro agricultural loan (USD) 27.0%-33.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 36.4% - 0% -12.8% - 44.6% 21
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessConsumerLoan PurposeCEDEFInstitutionGH-012-V01-P01GH-012-V01-P02GH-012-V01-P03GH-012-V01-P04ProductGHCountry2011YearRange Number1Institution Data Version05001,0001,5002,0002,5003,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 50020020Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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Institution Price Graph
Microloan Products offered in AZN0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.OtherInstitution TypeBusinessLoan PurposeAccessBankInstitutionAZ-001-V01-P01AZ-001-V01-P03ProductAZCountry2010YearRange Number1Institution Data Version05001,0001,5002,0002,5003,000Loan Size (all)0%20%40%Full APR (int fee ins tax dep)> 7,4005,5003,7001,800200Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Microloan Products offered in USD0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.OtherInstitution TypeBusinessLoan PurposeAccessBankInstitutionAZ-001-V01-P02AZ-001-V01-P04ProductAZCountry2010YearRange Number1Institution Data Version02,0004,0006,0008,00010,00012,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 3,0002,2001,50070080Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
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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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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