2. CashPhase
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Institution

CashPhase Ghana Limited 1st Floor, Barclays Bank WingMadina Central Market RoadMadina, Accra, Greater AccraP.O. Box CT4185
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
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Product

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Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 100,000
Portfolio (USD)USD 66,667
Active Clients with Loans20
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
This is a loan suitable for individuals involved in income generating acivities like traders and printers. The loan amount help with replenishing of stock or purchase of materials to meet increased customer demands.\r
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household financex
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
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
Othertraders, professionals, salaried workers
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 size0
Maximum loan size0
Loan Term and Grace Period
Shortest loan term0
Longest loan term0
Approx average0
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
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 payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest0
Highest quoted nominal interest0
Interest rate period
Interest Rate Calculation Method0
Subsidized by funder request?N/A
Is rate fixed for entire loan termN/A
Upfront Fees
Fee 1
DescriptionAdministrative and processing
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
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 for
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to deposit
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Business Loan samples
Sample 1Sample 2Sample 3
Loan AmountGHS 1,000GHS 5,000GHS 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2012-11-122012-07-162012-10-11
Loan Term (Months)6.0 months6.0 months2.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component119.1%120.3%128.1%
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)119.1%120.3%128.1%
Transparency IndexN/AN/AN/A
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Business Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeMultipleLoan PurposeCashPhaseInstitutionGH-013-V01-P01ProductGHCountry2011YearRange Number1Institution Data Version02,0004,0006,0008,00010,000Loan Size (all)0%50%100%Full APR (int fee ins tax dep)> 1051Number 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
Institution # Borrowers Portfolio (US$) Products Age of Data
ACAWE10016,0002161
AfricaWorks6,5001,843,0008122
AZADER2003,0002162
BOM18,9006,422,0003130
CCOM9,1002,995,0006146
FDM7,2001,002,0004146
Hluvuku-ADSEMA5,3002,959,0003146
IRAM000146
ProCredit000146
Tchuma000146
SOCREMO-N/A173
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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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