Outstanding portfolio (GHS) | GHS 589,500 |
Portfolio (USD) | USD 299,238.58 |
Active Clients with Loans | 2,620 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services |
Men | |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 3 |
# Regions for this product | 3 |
Regions Active | Northern Region, Upper East Region, Upper West Region |
Currency | GHS |
Minimum loan size | GHS 50 |
Maximum loan size | 1,000 |
Loans less than GHS 1,000 | 100% |
GHS 1,000-5,000 | 0 |
GHS 5,000-7,500 | 0 |
GHS 7,500-10,000 | 0 |
GHS 10,000-13,000 | 0 |
Greater than GHS 13,000 | 0 |
Shortest loan term | 9.0 months |
Longest loan term | 9.0 months |
Approx average | 9.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 100% |
Between 10 and 12 months | 0 |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 100% |
Average grace period | 3.0 months |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 3.00% |
Highest quoted nominal interest | 3.00% |
Interest rate period | Monthly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Membership dues |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 2 |
Fixed amount - max | 2 |
Reason for variation | 1st cycle loans= 4 GHS. Multiple cycle loans= 2 GHS |
Appears on Repayment Sched? | No |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | No |
Do borrowers control deposit in their group? | No |
% loan amount deposited | 20.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | End Term |
Minimum interest rate paid | 0 |
Maximum interest rate paid | 0 |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | GHS 300 | GHS 400 | GHS 850 | GHS 900 | |||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
Disbursement Date | 2013-01-18 | 2013-01-18 | 2013-01-18 | 2013-01-18 | |||
Loan Term (Months) | 9.0 months | 9.0 months | 9.0 months | 9.0 months | |||
Grace Period (Months) | 3.0 months | 3.0 months | 3.0 months | 3.0 months | |||
Total Cost of Credit | GHS 83 | GHS 110 | GHS 231.50 | GHS 245 | |||
True Price by Comp | |||||||
Interest price component | 44.8% | 44.8% | 44.8% | 44.8% | |||
Fee Component | 1.2% | 0.9% | 0.4% | 0.4% | |||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Deposit Component | 14.5% | 14.3% | 14.1% | 14.1% | |||
Full APR (int fee ins tax dep) | 60.5% | 60.0% | 59.3% | 59.3% | |||
Transparency Index | 60 | 60 | 61 | 61 | |||
Original Repayment Schedule | |||||||
MFT Pricing Calculation |
Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
ACLEDA | 235,200 | 215,086,000 | 6 | 165 |
AMK | 288,200 | 63,784,000 | 16 | 136 |
AMRET | 299,500 | 149,542,000 | 8 | 136 |
Chamroeun | 48,100 | 7,480,000 | 4 | 117 |
Farmer Finance | 200 | 407,000 | 1 | 136 |
First Finance | 500 | 5,819,000 | 1 | 136 |
HKL | 73,400 | 93,842,000 | 3 | 136 |
KREDIT | 61,800 | 59,319,000 | 9 | 136 |
Maxima | 2,900 | 3,179,000 | 3 | 136 |
PRASAC | 138,500 | 251,931,000 | 9 | 136 |
Seilanithih | 15,200 | 7,516,000 | 5 | 136 |
SPN | 35,100 | 29,828,000 | 6 | 136 |
TPC | 120,000 | 45,931,000 | 13 | 136 |
VF Cambodia | 148,600 | 48,984,000 | 18 | 136 |
Key Statistics | |
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# Borrowers | |
Loan Portfolio (USD) | |
% Products using declining balance | |
% Products with one or more fee | |
% Products with one or more insurances | |
% Products with compulsory deposits |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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