Opportunity International Savings & Loans Ltd. - MFTransparency.org Truth In Lending Tables

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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: 141 months

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Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.opportunityghana.com/
Year established	2004
Head of Institution	Kwame Owusu-Boateng
Regions active	Greater Accra Region, Central Region, Western Region, Eastern Region, Ashanti Region, Brong Ahafo Region
# Branches	29

Total Portfolio (nat'l)	GHS 56,590,868
Total Portfolio (USD)	USD 28,726,328.93
Active clients with loans	62,525
Approximate % female clients	60% - 80%
Approximate % urban clients	40% - 60%
Network affiliations	Opportunity International USA
Funders	Opportunity 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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Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Adhikar	35,300	2,674,000	1	140
AMPL	0	0	0	140
Arman	41,500	529,107,000	1	140
Arohan	43,500	8,091,000	2	140
ASA INDIA	164,000	15,380,000	1	140
Asirvad	113,500	19,328,000	1	140
Asmitha	1,114,800	217,867,000	1	140
Bandhan	4,048,600	674,564,000	5	140
Belstar	123,000	23,945,000	2	119
BSFL	275,200	31,590,000	3	140
Chaitanya	20,700	3,748,000	3	140
Disha Microfin	69,000	14,332,000	2	140
Equitas	1,220,000	186,415,000	4	140
ESAF	354,200	43,500,000	5	140
FFSL	150,600	35,719,000	2	140
Fusion	66,800	9,820,000	2	140
Grama Vidiyal	738,200	102,101,000	1	140
Grameen Koota	586,600	83,555,000	15	142
Janalakshmi	506,000	119,077,000	2	140
L & T Finance	399,800	37,199,000	1	140
MFL	331,800	49,083,000	1	140
MMFL	175,000	23,752,000	2	140
Mpower	13,600	2,263,000	2	140
Sahayata	0	0	0	140
Saija	24,700	4,682,000	2	140
Samasta	45,500	4,809,000	2	140
Satin	405,600	90,174,000	2	140
SCCI	115,600	15,910,000	2	140
Share	2,195,400	376,727,000	1	140
SKS	3,409,000	355,029,000	2	140
SMILE	360,200	56,927,000	1	140
SNFL	9,400	1,779,000	1	140
Sonata Finance	158,200	22,724,000	3	142
Spandana	533,400	147,240,000	2	140
Suryoday	78,600	14,713,000	3	140
SVCL	118,200	18,886,000	1	140
Swadhaar	92,800	17,166,000	3	140
Trident	68,700	8,852,000	1	140
Ujjivan	913,300	160,848,000	5	140
Utkarsh	168,600	25,915,000	3	140
VFS	175,400	19,264,000	2	140
Asomi	50,300	4,743,000	2	173
AES India	3,600	286,000	1	173
Arth	2,900	611,000	2	173
Asomi	50,300	4,743,000	2	173
Barasat GS	1,100	99,508.02	1	173
BJS	6,000	468,000	1	173
Cashpor	417,000	50,452,000	1	172
Credible	10,000	1,669,540.36	2	173
DIBAKAR	1,800	145,000	1	172
GOF	65,200	5,388,000	4	172
Hope	62,600	4,407,000	1	170
Jaago	2,700	237,000	1	171
LOK	4,900	573,000	1	172
Nano	25,600	3,660,000	2	173
NBSAAVS	28,100	2,821,000	1	170
Nirantara	8,200	917,000	2	172
Parama	7,100	482,000	1	172
Pragathi	26,200	4,579,000	6	172
PWMACS	36,500	5,946,000	1	172
Saadhana	90,900	12,046,000	2	172
Sambhav	1,500	183,000	3	172
Seba Rahara	6,700	468,000	1	172
SU	61,100	5,498,000	1	172
Swayanshree	7,900	918,000	2	172
Vikas Samiti	1,600	168,000	1	172
Vistaar	4,300	1,157,000	2	170
We The People	1,100	244,000	2	172
WEMCS	1,100	85,000	1	172
Yukti	1,100	99,000	2	172

Key Statistics
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Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » Pricing Information

Institution Price Graph

Total Borrowers of Samples

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