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

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 Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.grameenghana.org
Year established2001
Head of InstitutionMohammed A. Adams
Regions activeNorthern Region, Upper East Region
# Branches5

Total Portfolio (nat'l)GHS 998,804
Total Portfolio (USD)USD 507,007.11
Active clients with loans9,505
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsASSFIN, GHAMFIN, African Microfinance Transparency (AMT), Civil Society Platform
FundersGrameen Foundation, CORDAID, Planet Finance, Alterfin

Loan Products » Summary

Agriculture
2,281 Borrowers
USD 121,681.73 Portfolio
Active Product
Basic
4,848 Borrowers
USD 243,363.45 Portfolio
Active Product
Shea
2,376 Borrowers
USD 141,961.93 Portfolio
Active Product
Grain Banking
Retired Product
Processing Loan
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Business Loan GHS 400 - 1,000 6 - 12 80% - 100% 0% - 20% Business, Agricultural Production Women, Men Credit Educ, Group Mtgs, Other Training, Training in health, nutrition, sanitation, breast-feeding, and malaria prevention.
Basic Loan GHS 50 - 1,000 4 - 6 100% 0% - 20% Business Women Credit Educ, Group Mtgs, Other Training, Training in health, nutrition, sanitation, breast-feeding, and malaria prevention.
Shea Loan GHS 50 - 500 6 - 9 100% 0% Any Purpose Women Credit Educ, Group Mtgs, Other Training, Training in health, nutrition, sanitation, breast-feeding, and malaria prevention.

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Business Loan 30.00% annual, Flat 0 Fees 0 Ins None N/A 45.8% 45.8% 65
Basic Loan 36.00% annual, Flat 0 Fees 0 Ins None N/A 70.8% 70.8% 50
Shea Loan 36.00% annual, Flat 0 Fees 0 Ins None N/A 39.6% - 44.5% 39.6% - 44.5% 87
Institution Price Graph
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  2. SPN
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

Sathapana Limited #831C, Monivong Blvd, Phsa Doem ThkovChamkarmornPhnom PenhPO Box 1423
Data approved: 2013-06-28
Data version: 3
Age of data: 139 months
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Product

Micro Loan KHR Product 10 of 12 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 23,394,280,800
Portfolio (USD)USD 5,922,602.73
Active Clients with Loans15,264
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Micro Loan is a KHR currency loan to all sectors.
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 insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
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 institution22
# Regions for this product22
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh KongKratié, Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 200,000
Maximum loan size20,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,0000
KHR 1,000,000-3,500,00030%
KHR 3,500,000-6,000,00030%
KHR 6,000,000-8,000,00015%
KHR 8,000,000-10,000,00010%
Greater than KHR 10,000,00010%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term30.0 months
Approx average15.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months90%
Between 13 and 18 months0
Longer than 18 months0
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 interest2.30%
Highest quoted nominal interest3.50%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionUpfront fee
% of loan amount - min0.20%
% of loan amount - max0.20%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFee charged are based on loan size.
Appears on Repayment Sched?No
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

Full Pricing Data

Micro Loan KHR samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountKHR 300,000KHR 600,000KHR 1,200,000KHR 2,500,000KHR 7,200,000KHR 12,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-03-212013-01-222013-01-022013-02-122013-03-202013-01-16
Loan Term (Months)11.0 months12.0 months10.0 months12.0 months25.0 months24.0 months
Grace Period (Months)0.6 months-0.2 months0.0 months-0.1 months0.5 months0.0 months
Total Cost of CreditKHR 52,000KHR 96,000KHR 168,900KHR 414,800KHR 2,384,500KHR 3,813,200
True Price by Comp           
Interest price component33.1%30.1%30.1%30.0%30.0%30.1%
Fee Component0.4%0.4%0.4%0.4%0.3%0.2%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)33.5%30.5%30.5%30.4%30.3%30.3%
Transparency Index829190919191
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Micro Loan KHR Price Graphs


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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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