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Institution

Christian Rural Aid Network (CRAN) P.O.Box UC 97CAPE COAST, CENTRAL REGION233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
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Institution

Dedebit Credit and Savings Institution Head OfficeMekelePO Box 1074
Data approved: 2011-12-23
Data version: 1
Age of data: 162 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.cran.org/
Year established1993
Head of InstitutionDr. Patrick Agbesingale
Regions active0
# Branches5

Total Portfolio (nat'l)GHS 1,800,000
Total Portfolio (USD)USD 1,200,000
Active clients with loans8,650
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsGHAMFIN, ASSFIN
FundersCORDAID, TERA JANE, KIVA

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1997
Head of InstitutionAtakilt Kiros
Regions active
# Branches142

Total Portfolio (nat'l)ETB 1,800,000,000
Total Portfolio (USD)USD 97,826,086.96
Active clients with loans397,000
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsAEMFI, INAFI
FundersNPA Norweigan Peoples Aid, SOS Faim, A Glimmer of Hope

Loan Products » Summary

Group Loans
6,488 Borrowers
USD 900,000 Portfolio
Active Product
Individual Loan
2,162 Borrowers
USD 300,000 Portfolio
Active Product

Loan Products » Summary

Business
5,000 Borrowers
USD 33,478,260.87 Portfolio
Active Product
Civil Serv
25,000 Borrowers
USD 4,293,478.26 Portfolio
Active Product
Ex-fighter
2,753 Borrowers
USD 543.48 Portfolio
Active Product
Housing
5,300 Borrowers
USD 8,206,521.74 Portfolio
Active Product
Regular
78,000 Borrowers
USD 14,184,782.61 Portfolio
Active Product
Rural
204,000 Borrowers
USD 27,880,434.78 Portfolio
Active Product
Urban
41,000 Borrowers
USD 8,260,869.57 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Group Loans GHS 200 - 1,000 4 - 12 40% - 60% 40% - 60%
Individual Loan GHS 500 - 6,000 6 - 12 60% - 80% 40% - 60%

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan ETB 15,000 - 5,000,000 12 - 60 20% - 40% 80% - 100% Business Women, Men, Have business Credit Educ
Civil Servant Loan ETB 1,000 - 50,000 12 - 36 20% - 40% 40% - 60% Any Purpose Women, Men, Salaried worker Credit Educ, Group Mtgs
Ex-fighters Association Loan ETB 10,000 - 10,000 36 20% - 40% 80% - 100% Any Purpose Women, Men, Ex-fighters association members Credit Educ
Housing Loan ETB 15,000 - 5,000,000 12 - 60 20% - 40% 80% - 100% Housing Women, Men Credit Educ
Regular Loan ETB 500 - 20,000 12 - 36 60% - 80% 80% - 100% Business Women, Men Credit Educ, Group Mtgs, Business Training
Rural Package Loan ETB 200 - 30,000 6 - 48 20% - 40% 0% - 20% Business, Agriculture Women, Men Credit Educ, Tech Asst Visits
Urban Package Loan ETB 500 - 10,000 12 - 36 60% - 80% 80% - 100% Any Purpose Women, Men Credit Educ, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loans 42.00%-0.00% annual, Flat 1 Fee 1 Ins 62.7% 84.8% 49
Individual Loan 42.00%-0.00% annual, Flat 1 Fee 1 Ins 72.2% - 86.1% 90.6% - 110.2% 43

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 10.0% annual, Decl Bal 0 Fees 0 Ins None N/A 11.1% - 13.2% 11.1% - 13.2% 81
Civil Servant Loan 15.0% annual, Decl Bal 0 Fees 0 Ins None N/A 14% - 14.3% 14% - 14.3% 100
Ex-fighters Association Loan 15.0% annual, Decl Bal 0 Fees 0 Ins None N/A 14.1% 14.1% 100
Housing Loan 9.9% annual, Decl Bal 0 Fees 0 Ins None N/A 10.3% - 11% 10.3% - 11% 92
Regular Loan 18.0% annual, Decl Bal 0 Fees 0 Ins None N/A 16.7% - 17.6% 16.7% - 17.6% 100
Rural Package Loan 18.0% annual, Decl Bal 0 Fees 0 Ins None N/A 18% - 25.9% 18% - 25.9% 86
Urban Package Loan 18.0% annual, Decl Bal 0 Fees 0 Ins None N/A 9.7% 9.7% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loans 42.00%-0.00% annual, Flat 1 Fee 1 Ins Ins 62.7% 84.8% 49
Individual Loan 42.00%-0.00% annual, Flat 1 Fee 1 Ins Ins 72.2% - 86.1% 90.6% - 110.2% 43

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 10.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 11.1% - 13.2% 11.1% - 13.2% 81
Civil Servant Loan 15.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 14% - 14.3% 14% - 14.3% 100
Ex-fighters Association Loan 15.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 14.1% 14.1% 100
Housing Loan 9.9% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 10.3% - 11% 10.3% - 11% 92
Regular Loan 18.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 16.7% - 17.6% 16.7% - 17.6% 100
Rural Package Loan 18.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 18% - 25.9% 18% - 25.9% 86
Urban Package Loan 18.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 9.7% 9.7% 100
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeCRANInstitutionGH-015-V01-P01GH-015-V01-P02ProductGHCountry2011YearRange Number1Institution Data Version01,0002,0003,0004,0005,000Loan Size (all)0%50%100%Full APR (int fee ins tax dep)> 3,2002,4001,60080090Number 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
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeAnyBusinessHousingLoan PurposeDECSIInstitutionET-004-V01-P01ET-004-V01-P02ET-004-V01-P04ET-004-V01-P05ET-004-V01-P06ET-004-V01-P07ET-004-V01-P08ProductETCountry2011YearRange Number1Institution Data Version010,00020,00030,00040,00050,000Loan Size (all)0%10%20%Full APR (int fee ins tax dep)> 51,00038,00025,00012,0001,400Number 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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Key Statistics
# Samples:
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# 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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