Loan Conditions

Loan Amount

Currency	GHS
Minimum loan size	GHS 50
Maximum loan size	2,000

Distribution at Disbursement (Est.)

Loans less than GHS 1,000	70%
GHS 1,000-5,000	30%
GHS 5,000-7,500	0
GHS 7,500-10,000	0
GHS 10,000-13,000	0
Greater than GHS 13,000	0

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	6.0 months
Approx average	4.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	100%
Between 7 and 9 months	0
Between 10 and 12 months	0
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	100%
Average grace period	0.2 months

Repayment Frequency

Daily
Weekly	x
Every 2 weeks	x
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount

Currency	BOB
Minimum loan size	BOB 500
Maximum loan size	20,000

Loan Term and Grace Period

Shortest loan term	2.0 months
Longest loan term	36.0 months
Approx average	5.8 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly	x
Every 2 weeks	x
Every 4 weeks	x
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments	x

Pricing Information

Interest

Upfront Fees

	Fee 1
Description	Commitment Fee
% of loan amount - min	0.75%
% of loan amount - max	1.50%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	Fee is 3% per annum. Varies depending on loan term.
Appears on Repayment Sched?	No

Ongoing Fees

	Fee 1
Description	Group Fee
% of loan amount - min	0.75%
% of loan amount - max	1.50%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	Fee is 3% per annum. Varies depending on loan term.
Appears on Repayment Sched?	No

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

	Ins 1
Description	Insurance Fee
% of loan amount - min	2.00%
% of loan amount - max	2.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	No

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?	No
Do borrowers control deposit in their group?	No

Deposit BEFORE or AT Disbursement

% loan amount deposited	15.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	0
Conditions on access to deposit	Access During

Interest Paid on Deposit

Minimum interest rate paid	3.00%
Maximum interest rate paid	3.00%
Interest payment frequency	Quarterly

Taxes

Are taxes charged on this product?

No

Additional Comments

In the case of first-cycle loans, savings are accumulated over a start-up training period of 6 weeks, then deposited before receiving a loan. For multiple-cycle loans, savings is accumulated throughout the loan term of the previous cycle, then deposited before receiving a loan.

Pricing Information

Interest

Upfront Fees

This product has no upfront fees

Ongoing Fees

	Fee 1		Fee 2
Description	Cargos administrativos y Formularios		Cargos administrativos por trámite desembolso
% of loan amount - min	0		0
% of loan amount - max	1.20%		2.50%
OR, Fixed amount - min	0		0
Fixed amount - max	0		0
Reason for variation	N/A		N/A
Appears on Repayment Sched?	Yes		Yes

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?

No

M-Hope Price Graphs

Crédito Individual en Bolivianos Price Graphs