2. Lower Pra RB
Please note that the information you are viewing is 157 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Lower Pra Rural Bank Limited ShamaWestern RegionPO Box SH 18
Data approved: 2011-12-07
Data version: 1
Age of data: 157 months

Product

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Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 4,124,077
Portfolio (USD)USD 2,093,440.10
Active Clients with Loans13,529
Approximate % Female Clients20% - 40%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This loan is like the susu loan. Savings here is compulsory, 1/4 th of amount in your account; Salary gurantors are taken as well. Given to petty traders, carpenters; depending on amount taken, sometimes landed property taken in case of default
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 1,000
Maximum loan size30,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average10.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular paymentsx

Pricing Information

Interest
Lowest quoted nominal interest30.00%
Highest quoted nominal interest30.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionLoan Processing FeeRisk Fund(3%) & Commitment fee (5%)
% of loan amount - min08.00%
% of loan amount - max08.00%
OR, Fixed amount - min30
Fixed amount - max30
Reason for variationN/A
Appears on Repayment Sched?YesYes
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited25.00% - N/A
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to deposit
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Micro Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountGHS 1,000GHS 3,500GHS 10,000GHS 15,000GHS 30,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-06-172011-07-222011-05-302010-10-242011-04-07
Loan Term (Months)6.0 months12.0 months12.0 months12.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component87.9%66.3%77.2%77.5%67.4%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component58.5%42.6%49.2%49.7%36.8%
Full APR (int fee ins tax dep)146.4%108.8%126.4%127.2%104.2%
Transparency Index2028242429
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Micro Loan Price Graphs


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  2. Diaconia
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

Diaconia Av. Juan Pablo II No 125 El AltoLa Paz
Data approved: 2013-09-16
Data version: 2
Age of data: 130 months
Choose version

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.diaconia-frif.org/
Year established1991
Head of InstitutionRicardo Suxo Condori
Regions activeBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija
# Branches36

Total Portfolio (nat'l)BOB 578,706,840
Total Portfolio (USD)USD 85,734,346.67
Active clients with loans67,073
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsFINRURAL
FundersMision Alianza Noruega

Loan Products » Summary

Comunal
27,255 Borrowers
USD 9,952,828.99 Portfolio
Active Product
Individual
39,818 Borrowers
USD 75,781,519.36 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credito de Banca Communal BOB 200 - 10,000 4 - 10 80% - 100% 80% - 100% Business, Housing, Consumer, Education, Other Women Group Mtgs
Microcredito Individual BOB 200 - 560,000 3 - 96 20% - 40% 80% - 100% Any Purpose Women, Men Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito de Banca Communal 36.0% annual, Flat 0 Fees 1 Ins None 20.0% upfront 20.00% ongoing 55.8% - 59.6% 93.5% - 106.7% 36
Microcredito Individual 13.0%-24.0% annual, Decl Bal 0 Fees 1 Ins None N/A 17.1% - 24.1% 17.7% - 24.7% 62
Institution Price Graph
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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
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