2. Grameen Ghana
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. Cashpor
Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Grameen Ghana Head OfficeBehind RCCTamale, Northern
Data approved: 2013-03-14
Data version: 2
Age of data: 139 months
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Institution

Cashpor Micro Credit B-4 DIG ColonyMakbool Alam RoadVaranasi, Uttar Pradesh221002
Data approved: 2010-10-25
Data version: 1
Age of data: 170 months

Product

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Product

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Product Summary

Number borrowers2,376
Loan Amount (range)GHS 50 - 500
Loan Term (range)6 - 9
Other Services (text summary)Credit Educ, Group Mtgs, Other Training, Training in health, nutrition, sanitation, breast-feeding, and malaria prevention.
Annual Interest & Method36.00% annual, Flat
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component39.6% - 70.8%
Fee Component0
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)39.6% - 44.5%
Transparency Index (min/max)51 - 91
Transparency Index (average)87

Product Summary

417,039
INR 2,000 - 25,000
12
Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
13.5% annual, Flat
None
1.00% upfront
None
N/A
 
N/A
25.8% - 26.0% (Int+Fee)
2.1%
0
27.9% - 28.1%
48
48

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 279,665
Portfolio (USD)USD 141,961.93
Active Clients with Loans2,376
Approximate % Female Clients100%
Approximate % Urban Clients0
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Designed for shea nut pickers and shea butter processors for working capital. Nominal interest rate of 36% flat method.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business training
Other trainingx
OtherTraining in health, nutrition, sanitation, breast-feeding, and malaria prevention.
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
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 institution2
# Regions for this product1
Regions ActiveNorthern Region

Product Details

Key Statistics
Outstanding portfolio (INR)INR 2,673,981,826
Portfolio (USD)USD 50,452,487.28
Active Clients with Loans417,039
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Designed to finance income-generating activities.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Household income <60,000 INR
Household income <120,000 INR
Must live in rural area
Must lives in urban area
Other
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 sizeGHS 50
Maximum loan sizeGHS 500
Distribution at Disbursement (Est.)
Loans less than GHS 1,000100%
GHS 1,000-5,0000
GHS 5,000-7,5000
GHS 7,500-10,0000
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term9.0 months
Approx averagedk
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months70%
Between 7 and 9 months30%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period3.0 months
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

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 2,000
Maximum loan size25,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.5 months
Repayment Frequency
Daily
Weeklyx
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 interest36.00%
Highest quoted nominal interest36.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
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?No

Pricing Information

Interest
Lowest quoted nominal interest13.50%
Highest quoted nominal interest13.50%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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?No
Additional Comments
N/A

Full Pricing Data

Shea Loan samples
Sample 1Sample 2Sample 3
Loan AmountGHS 200GHS 200GHS 300
Loan Cycle (1, 2, 3, etc)221
Disbursement Date2013-03-092013-03-092012-08-14
Loan Term (Months)6.0 months6.0 months9.0 months
Grace Period (Months)3.1 months3.1 months3.1 months
Total Cost of CreditGHS 36GHS 36GHS 81
True Price by Comp     
Interest price component39.6%39.6%44.5%
Fee Component0.0%0.0%0.0%
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)39.6%39.6%44.5%
Transparency Index919181
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Income Generating Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountINR 2,000INR 18,000INR 10,000INR 8,000
Loan Cycle (1, 2, 3, etc)1612
Disbursement Date2010-07-032010-07-062010-07-012010-07-01
Loan Term (Months)12.1 months12.1 months12.1 months12.1 months
Grace Period (Months)2.0 months1.0 month2.0 months2.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component25.8%26.0%25.8%25.8%
Insurance Component2.1%2.1%2.1%2.1%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)27.9%28.1%27.9%27.9%
MFIN MFI Earning (Annualised)25.8%26.0%25.8%25.8%
MFIN Cost to Borrower (Annualised)27.9%28.1%27.9%27.9%
Transparency Index48484848
MFIN Transparency IndexN/AN/AN/AN/A
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
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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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X Axis
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Total Borrrowers of Samples
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