2. OISL
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

Opportunity International Savings & Loans Ltd. No. D765/3 Kwame Nkrumah AvenueAccra, Greater AccraPO Box JT 323
Data approved: 2013-03-12
Data version: 2
Age of data: 139 months
Choose version

Product

Individual Loan Product 5 of 10 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 5,704,136
Portfolio (USD)USD 2,895,500.51
Active Clients with Loans3,257
Approximate % Female Clients40% - 60%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Individual loan is offered to individual clients for working capital and financing business expansion purposes.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
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 institution6
# Regions for this product6
Regions ActiveGreater Accra Region, Central Region, Western Region, Eastern Region, Ashanti Region, Brong Ahafo Region

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 200
Maximum loan size12,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,00010%
GHS 1,000-5,00080%
GHS 5,000-7,50010%
GHS 7,500-10,0000
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term2.0 months
Longest loan term24.0 months
Approx average9.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less10%
Between 4 and 6 months20%
Between 7 and 9 months30%
Between 10 and 12 months30%
Between 13 and 18 months10%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period1.0 month
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 interest42.00%
Highest quoted nominal interest42.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionProcessing FeeApplication Fee
% of loan amount - min3.50%0
% of loan amount - max3.50%0
OR, Fixed amount - min03
Fixed amount - max03
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation1% of total loan amount, divided and charged equally throughout loan term.
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid3.00%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No
Additional Comments
Interest paid on deposit rule - If amount deposited is less than 1,000 GHS, 0% interest. If amount deposited is 1,000 GHS or more, 3% interest.

Full Pricing Data

Individual Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountGHS 300GHS 700GHS 1,500GHS 3,000GHS 6,000GHS 9,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2012-12-112012-12-132012-12-202012-12-202012-10-242012-05-17
Loan Term (Months)5.5 months7.0 months11.0 months11.0 months8.0 months25.0 months
Grace Period (Months)0.5 months0.4 months0.4 months0.5 months0.4 months0.5 months
Total Cost of CreditGHS 74.10GHS 216.78GHS 620.20GHS 1,244.40GHS 2,040.44GHS 8,202.48
True Price by Comp           
Interest price component62.4%64.9%66.3%65.6%65.0%63.5%
Fee Component16.6%11.6%8.4%8.0%9.4%4.1%
Insurance Component3.1%2.3%1.7%1.6%2.0%0.6%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component13.6%13.4%13.0%12.7%12.9%10.2%
Full APR (int fee ins tax dep)95.7%92.2%89.4%87.9%89.3%78.4%
Transparency Index444647484754
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Individual Loan Price Graphs


Click to view Price Analysis Tool
  2. AgroCapital
Please note that the information you are viewing is 172 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Fundación Agrocapital Calle Nataniel Aguirre No. S-669Cochabamba, Cercado5901
Data approved: 2010-10-28
Data version: 1
Age of data: 172 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.agrocapital.org.bo/
Year established1992
Head of InstitutionJorge Gonzalo Noda Miranda
Regions active
# Branches16

Total Portfolio (nat'l)BOB 180,022,209
Total Portfolio (USD)USD 26,669,956.89
Active clients with loans22,140
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsASOFIN, ETIMOS
Funders

Loan Products » Summary

Comunal BOB
14,946 Borrowers
USD 2,743,570.07 Portfolio
Active Product
529 Borrowers
USD 1,265,111.79 Portfolio
Active Product
Asalar. USD
107 Borrowers
USD 104,671.67 Portfolio
Active Product
Vivi. USD
111 Borrowers
USD 433,734 Portfolio
Active Product
Plan Micro I
738 Borrowers
USD 484,361.04 Portfolio
Active Product
Secue USD
2,807 Borrowers
USD 3,614,561.85 Portfolio
Active Product
Secue BOB
95 Borrowers
USD 205,487.54 Portfolio
Active Product
No Seue USD
2,525 Borrowers
USD 7,983,545.76 Portfolio
Active Product
Consumo USD
10 Borrowers
USD 20,294.32 Portfolio
Low Volume Product
Consumo BOB
39 Borrowers
USD 19,162.70 Portfolio
Low Volume Product
Vivi. BOB
20 Borrowers
USD 19,628.24 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Banca Comunal BOB 300 - 12,000 4 - 8 60% - 80% 80% - 100% Any Purpose Women, Men, Buenos antecedentes crediticios. Solvencia Moral., Los interesados deben ser mayores de edad no mayores a 65 años. N/A
BOB 400 - 300,000 6 - 60 20% - 40% 0% - 20% Business, Housing, Para capital de Inversiones , Para capital de Operaciones Women, Men, Have business Credit Ins
CRÉDITO DE CONSUMO (Asalariado) - USD USD 1,000 - 2,000 12 - 24 20% - 40% 0% - 20% Any Purpose Women, Men, Salaried worker, AntigàŒedad mínima de 1 año en trabajo. Buenos antecedentes personales y crediticios. Credit Ins
Microcrédito Vivienda (USD) USD 600 - 12,000 12 - 60 20% - 40% 0% - 20% Housing Women, Men, Have business, Buenos antecedentes personales y crediticios. Actividad económica y financieramente viable. Credit Ins
Plan Microcrédito I (Microcrédito Secuencial) BOB 1,000 - 44,000 4 - 60 40% - 60% 0% - 20% Business, Housing Women, Men, Have business, Good credit history , Owning profitable or sustainable business Credit Ins
Plan Microcrédito I (Microcrédito Secuencial) (USD) USD 195 - 12,000 6 - 60 40% - 60% 0% - 20% Business Women, Men, Have business, Buenos antecedentes personales y crediticios. Actividad económica y financieramente viable. Credit Ins
Plan Microcrédito II (No Secuencial) BOB 5,000 - 71,000 12 - 60 40% - 60% 0% - 20% Business Women, Men, Have business, Buenos antecedentes personales y crediticios. Actividad económica y financieramente viable. Credit Ins
Plan Microcrédito II (No Secuencial) (USD) USD 300 - 12,000 3 - 60 20% - 40% 0% - 20% Business Women, Men, Have business, Buenos antecedentes personales y crediticios. Actividad económica y financieramente viable. Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Banca Comunal 30.0% annual, Decl Bal 0 Fees 0 Ins None 10.0% upfront 20.00% ongoing 30.7% - 30.8% 47.8% - 48.6% 62
11.0%-21.5% annual, Decl Bal 2 Fees 0 Ins 15.00% Principal N/A 18.4% - 23.3% 18.5% - 23.4% 53
CRÉDITO DE CONSUMO (Asalariado) - USD 22.5%-26.0% annual, Decl Bal 2 Fees 0 Ins 15.00% Principal N/A 25.8% 26% 87
Microcrédito Vivienda (USD) 22.0%-30.0% annual, Decl Bal 2 Fees 0 Ins 15.00% Principal N/A 24.9% - 32.2% 25% - 32.3% 75
Plan Microcrédito I (Microcrédito Secuencial) 25.0%-32.0% annual, Decl Bal 2 Fees 0 Ins None N/A 32% - 34.4% 32% - 34.4% 75
Plan Microcrédito I (Microcrédito Secuencial) (USD) 22.0%-35.8% annual, Decl Bal 2 Fees 0 Ins 15.00% Principal N/A 26.9% - 31.3% 27.1% - 31.6% 72
Plan Microcrédito II (No Secuencial) 24.5%-32.0% annual, Decl Bal 2 Fees 0 Ins None N/A 30% - 33.3% 30% - 33.3% 76
Plan Microcrédito II (No Secuencial) (USD) 21.0%-30.0% annual, Decl Bal 2 Fees 0 Ins 15.00% Principal N/A 24.9% - 31.3% 25% - 31.5% 75
Institution Price Graph
Click to view Price Analysis Tool
Caps / Zoom options
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
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞