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
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.opportunityghana.com/
Year established2004
Head of InstitutionKwame Owusu-Boateng
Regions activeGreater Accra Region, Central Region, Western Region, Eastern Region, Ashanti Region, Brong Ahafo Region
# Branches29

Total Portfolio (nat'l)GHS 56,590,868
Total Portfolio (USD)USD 28,726,328.93
Active clients with loans62,525
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsOpportunity International USA
FundersOpportunity Microfinance Investment Ltd, Opportunity Transformation Investment, Sinapi Aba Trust, Oikocredit

Loan Products » Summary

Agriculture
7,428 Borrowers
USD 1,242,790.36 Portfolio
Active Product
Church
53 Borrowers
USD 241,847.21 Portfolio
Active Product
Family
273 Borrowers
USD 144,458.88 Portfolio
Active Product
Group
39,801 Borrowers
USD 11,025,252.79 Portfolio
Active Product
Individual
3,257 Borrowers
USD 2,895,500.51 Portfolio
Active Product
ISME
595 Borrowers
USD 4,731,220.81 Portfolio
Active Product
Susu
1,443 Borrowers
USD 913,463.45 Portfolio
Active Product
Adehye
8,946 Borrowers
USD 5,867,048.22 Portfolio
Active Product
Education
245 Borrowers
USD 171,009.14 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan GHS 130 - 10,000 6 - 9 60% - 80% 0% - 20% Business, Farming Women, Men, Specific age group, Farmers Credit Educ, Credit Ins
Church Loan GHS 5,000 - 100,000 3 - 37 0% 60% - 80% Financing church building Women, Men, Fully registered functioning church Credit Educ
Salary Loan GHS 270 - 15,000 6 - 24 20% - 40% 100% Any Purpose Women, Men, Have business, Salaried worker Credit Educ, Credit Ins
Group Loan GHS 100 - 8,000 3 - 12 60% - 80% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Individual Loan GHS 200 - 12,000 2 - 24 40% - 60% 20% - 40% Business Women, Men, Have business Credit Educ, Credit Ins
ISME / Edufinance GHS 10,000 - 100,000 10 - 37 0% - 20% 80% - 100% Business, Education Women, Men, Have business, Fully registered and licensed school Tech Asst Visits, Business Training
Susu Loan GHS 100 - 10,000 3 - 12 40% - 60% 40% - 60% Business Women, Men Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Adehye Loan GHS 280 - 8,000 3 - 8 60% - 80% 40% - 60% Business Women, Men, Have business, Must be a good group loan client. Credit Educ, Group Mtgs
Eduloan GHS 500 - 3,000 24 60% - 80% 80% - 100% Education Women, Men Credit Educ

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 36.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 40.8% - 65.4% 47% - 78.8% 61
Church Loan 39.0% annual, Decl Bal 2 Fees 1 Ins None 15.0% upfront 42.1% - 45.3% 55.6% - 61.3% 66
Salary Loan 24.0% annual, Flat 2 Fees 1 Ins None N/A 43.4% - 48.5% 44.6% - 50.6% 51
Group Loan 41.0% annual, Flat 2 Fees 1 Ins None 15.0% upfront 77.5% - 90.7% 103% - 123.9% 36
Individual Loan 42.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 67.6% - 79% 78.4% - 95.7% 47
ISME / Edufinance 39.0% annual, Decl Bal 2 Fees 1 Ins None 43% - 46.3% 44.4% - 48% 84
Susu Loan 39.0% annual, Flat 2 Fees 1 Ins None N/A 68.4% - 74.6% 69.8% - 77.3% 53
Adehye Loan 38.0% annual, Flat 1 Fee 1 Ins None 15.0%-20.0% upfront 67.1% - 81.6% 96.6% - 124.1% 35
Eduloan 24.0%-37.0% annual, Decl Bal 1 Fee 1 Ins None N/A 41.6% - 74.1% 42.5% - 78% 37
Institution Price Graph
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  2. FUNBODEM
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

Fundacion Boliviana Para El Desarrollo De La Mujer Calle Rene Moreno # 476Santa Cruz
Data approved: 2013-10-10
Data version: 2
Age of data: 130 months
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Product

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Product Details

Key Statistics
Outstanding portfolio (USD)USD 3,032,103.92
Portfolio (USD)USD 3,032,103.92
Active Clients with Loans173
Approximate % Female Clients20% - 40%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Producto destinado a desarrollar actividades del sector produccio, comercio y sservicios, siendo el financiamiento mayor a USD 15,000.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
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 institution2
# Regions for this product2
Regions ActiveBeni , Santa Cruz

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 15,001
Maximum loan size25,000
Distribution at Disbursement (Est.)
Loans less than USD 1,5000
USD 1,500-5,0000
USD 5,000-10,0000
USD 10,000-15,0000
USD 15,000-18,00020%
Greater than USD 18,00020%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term48.0 months
Approx average41.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months0
Between 10 and 12 months15%
Between 13 and 18 months5%
Longer than 18 months70%
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 monthsx
Every 12 monthsx
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest19.00%
Highest quoted nominal interest21.00%
Reason(s) why interest rate variesLoan Size, Client Risk, Collateral
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionPago del seguro de desgravamen
% of loan amount - min0.36%
% of loan amount - max2.88%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationSe aplica 0.06% en cada cuota cargado en el saldo pendiente del principal
Appears on Repayment Sched?Yes
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

Mipe samples
Sample 1Sample 2Sample 3
Loan AmountUSD 17,000USD 18,000USD 20,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-10-012013-10-012013-10-01
Loan Term (Months)13.0 months31.0 months37.0 months
Grace Period (Months)0.5 months0.5 months0.0 months
Total Cost of CreditUSD 2,148.98USD 5,468.40USD 7,497.79
True Price by Comp     
Interest price component20.1%20.1%21.1%
Fee Component0.0%0.0%0.0%
Insurance Component0.7%0.7%0.7%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)20.8%20.8%21.8%
Transparency Index919187
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Mipe Price Graphs


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