2. FASL
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

First Allied Savings and Loans Limited Box 5308OTB 662 Asomfo Road, AdumKumasi, Ashanti
Data approved: 2013-07-15
Data version: 1
Age of data: 139 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.firstalliedghana.com
Year established1996
Head of InstitutionNana Yaw Oduro
Regions activeGreater Accra Region, Central Region, Western Region, Eastern Region, Ashanti Region, Brong Ahafo Region
# Branches21

Total Portfolio (nat'l)GHS 27,673,204.91
Total Portfolio (USD)USD 14,047,312.14
Active clients with loans13,585
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliationsGhana Microfinance Institutions Network, Ghana Employers Association, Ghana National Chamber of Commerce and Industry
Funders

Loan Products » Summary

Golden
3,885 Borrowers
USD 5,006,432.72 Portfolio
Active Product
Commercial
1,134 Borrowers
USD 4,846,607.27 Portfolio
Active Product
Salary
889 Borrowers
USD 304,184.65 Portfolio
Active Product
Super
94 Borrowers
USD 605,463.74 Portfolio
Active Product
Fast Track
239 Borrowers
USD 258,549.42 Portfolio
Active Product
Travel
90 Borrowers
USD 158,851.49 Portfolio
Active Product
Distance
6,833 Borrowers
USD 2,230,976.56 Portfolio
Active Product
Premium
421 Borrowers
USD 636,246.30 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Golden Susu Loans GHS 500 - 10,000 3 - 12 40% - 60% 60% - 80% Business Women, Men, Have business Business Training, Other Training
Commercial Loans GHS 1,000 - 300,000 1 - 24 40% - 60% 60% - 80% Business Women, Men, Have business Business Training, Other Training
Salary Loans GHS 200 - 50,000 1 - 36 20% - 40% 60% - 80% Consumer, Education, Other Women, Men, Salaried worker Other Training
Super Golden Susu GHS 10,500 - 50,000 3 - 12 40% - 60% 60% - 80% Business Women, Men, Have business Other Training
Fast Track Susu GHS 2,000 - 10,000 3 - 6 40% - 60% 60% - 80% Business Women, Men, Have business Business Training, Other Training
Travel Loans GHS 2,000 - 10,000 3 - 6 40% - 60% 100% Other Women, Men, Have business, Salaried worker Business Training, Other Training
Distance Banking GHS 1,500 - 10,000 3 - 12 40% - 60% 20% - 40% Business, Agriculture Women, Men, Have business Group Mtgs, Business Training, Other Training
Premium Golden Susu GHS 1,500 - 50,000 3 - 12 40% - 60% 20% - 40% Business, Agriculture Women, Men, Have business Business Training, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Golden Susu Loans 36.0% annual, Flat 1 Fee 0 Ins None 20.0%-25.0% upfront 65.6% - 68.3% 105.1% - 111.1% 33
Commercial Loans 31.0%-41.0% annual, Flat 1 Fee 0 Ins None 5.0%-25.0% upfront 70.6% - 72.2% 91.1% - 116.2% 29
Salary Loans 19.0%-28.0% annual, Flat 1 Fee 0 Ins None N/A 32.8% - 51.1% 32.8% - 51.1% 46
Super Golden Susu 36.0% annual, Flat 1 Fee 0 Ins None 5.0%-25.0% upfront 63.5% - 64.7% 101.5% - 105% 34
Fast Track Susu 36.0% annual, Flat 1 Fee 0 Ins None 20.0%-25.0% upfront 66.7% - 68.3% 107.7% - 111% 32
Travel Loans 44.0%-48.0% annual, Flat 1 Fee 0 Ins None 15.0%-25.0% upfront 49.4% - 53% 57.7% - 61.9% 74
Distance Banking 36.0% annual, Flat 1 Fee 0 Ins None 10.0%-25.0% upfront 67.3% - 68.7% 109.4% - 111.6% 32
Premium Golden Susu 36.0% annual, Flat 1 Fee 0 Ins None 10.0%-25.0% upfront 65.5% - 74.4% 104.9% - 125.8% 32
Institution Price Graph
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  2. IMPRO
Please note that the information you are viewing is 130 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Incubadora de Microempresas Productivas Calle Manuel Ergueta Nº 1741, MorilloLa Paz, Bolivia
Data approved: 2013-09-10
Data version: 2
Age of data: 130 months
Choose version

Product

Programa de Vivienda y Mejoramiento del Habitat Product 2 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 2,239,440.50
Portfolio (USD)USD 331,768.96
Active Clients with Loans216.50
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Lineas de crédito para refaccion, anticrético, servicios básicos y ampliación.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household financex
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or landx
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 product1
Regions ActiveLa Paz

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 300
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,000100%
BOB 10,000-40,0000
BOB 40,000-70,0000
BOB 70,000-100,0000
BOB 100,000-125,0000
Greater than BOB 125,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months20%
Between 13 and 18 months40%
Longer than 18 months20%
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 interest1.20%
Highest quoted nominal interest1.80%
Reason(s) why interest rate variesTime as Client, Client Risk, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionCobro por Formularios
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min16
Fixed amount - max20
Reason for variationFee varies based on loan amount.
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de Desgravamen
% of loan amount - min0.18%
% of loan amount - max0.72%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationInsurance fee is 0.03% per month, charged on the disbursed loan amount.
Appears on Repayment Sched?Yes
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

Full Pricing Data

Programa de Vivienda y Mejoramiento del Habitat samples
Sample 1Sample 2Sample 3
Loan AmountBOB 4,000BOB 6,000BOB 8,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-09-232014-04-012014-04-01
Loan Term (Months)12.0 months18.0 months16.0 months
Grace Period (Months)-0.2 months0.0 months0.0 months
Total Cost of CreditBOB 646.95BOB 1,418.40BOB 1,174.40
True Price by Comp     
Interest price component18.1%21.4%14.4%
Fee Component10.5%6.9%5.4%
Insurance Component0.6%0.7%0.6%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)29.2%29.0%20.4%
Transparency Index495071
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Programa de Vivienda y Mejoramiento del Habitat Price Graphs


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