2. East Mamprusi
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 171 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

East Mamprusi Community Bank GambagaNorthern RegionP.O Box 11
Data approved: 2013-03-26
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: 171 months

Product

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Product

Creditos para Asalariados ME Product 5 of 8 « Prev | Next »

Product Summary

443
USD 200 - 15,000
4 - 121
Credit Ins
6.4%-33.0% annual, Decl Bal
None
None
15.00% Principal
N/A
 
N/A
7.5% - 22.4% (Int+Fee)
0
0.0% - 0.9%
7.6% - 22.6%
16 - 83
48

Product Details


This product either has less than 50 active borrowers or less than 10 loan disbursements over the past 9 months. MFTransparency presents basic data rather than full data for low volume products
Key Statistics
Outstanding portfolio (GHS)GHS 645,200
Portfolio (USD)USD 327,512.69
Active Clients with Loans640
Approximate % Female Clients
Approximate % Urban Clients
Description
Designed for SMEs to augment their working capital.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Education
Other household financex
Other
Other (2)
Eligibility
Menx
Womenx
Must run a businessx
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 institution1
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (USD)USD 645,031.22
Portfolio (USD)USD 645,031.22
Active Clients with Loans443
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Crédito destinado a personas naturales asalariadas, mayores de edad que presenten un\rdocumento de identidad vigente, que sean empleadas permanentes de una empresa o Institución (privada,\rorganismos internacionales o delegaciones diplomáticas).
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
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 business
Must own a home or land
Must be a salaried workerx
Must be specific age group
OtherDebe ser propietario de inmueble o presentar un garante personal
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
CurrencyUSD
Minimum loan sizeUSD 200
Maximum loan size15,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term121.0 months
Approx average35.0 months
Grace Period
Grace period usage0
Average grace period0
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

Pricing Information

Interest
Lowest quoted nominal interest6.36%
Highest quoted nominal interest33.00%
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

Creditos para Asalariados ME samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 450USD 900USD 2,000USD 4,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-03-092010-04-222010-06-112010-06-18
Loan Term (Months)4.0 months20.0 months24.0 months36.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component10.6%7.5%22.4%22.3%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.9%0.2%0.2%0.1%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)11.5%7.6%22.6%22.4%
Transparency Index55832828
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Creditos para Asalariados ME Price Graphs


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# Countries
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Loan Portfolio (USD)
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% Products with one or more insurances
% Products with compulsory deposits
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