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 |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.svcl.in/ |
Year established | 2010 |
Head of Institution | Rakesh Dubey |
Regions active | Madhya Pradesh, Rajasthan, Uttar Pradesh |
# Branches | 44 |
Total Portfolio (nat'l) | INR 1,000,987,853 |
Total Portfolio (USD) | USD 18,886,563.26 |
Active clients with loans | 118,217 |
Approximate % female clients | 100% |
Approximate % urban clients | 40% - 60% |
Network affiliations | SADHAN, MFIN |
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 |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Income Generation Loan | INR 8,000 - 14,000 | 10.7 | 100% | 40% - 60% | Business | Women, Have business, Specific age group, Low HH Inc, Med HH Inc | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits |
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 |
Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Income Generation Loan | 29.9% | 32.2% | 34.4% - 35.1% | Yes | Yes | Yes | 100 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Income Generation Loan | 30.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 32.2% | 34.4% - 35.1% | 86 |
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 Ins | None | 10.0% upfront | 40.8% - 65.4% | 47% - 78.8% | 61 | ||||||||
Church Loan | 39.0% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | 15.0% upfront | 42.1% - 45.3% | 55.6% - 61.3% | 66 | ||||||||
Salary Loan | 24.0% annual, Flat | 2 Fees | 1 Ins Ins | None | N/A | 43.4% - 48.5% | 44.6% - 50.6% | 51 | ||||||||
Group Loan | 41.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 15.0% upfront | 77.5% - 90.7% | 103% - 123.9% | 36 | ||||||||
Individual Loan | 42.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 10.0% upfront | 67.6% - 79% | 78.4% - 95.7% | 47 | ||||||||
ISME / Edufinance | 39.0% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | 43% - 46.3% | 44.4% - 48% | 84 | |||||||||
Susu Loan | 39.0% annual, Flat | 2 Fees | 1 Ins Ins | None | N/A | 68.4% - 74.6% | 69.8% - 77.3% | 53 | ||||||||
Adehye Loan | 38.0% annual, Flat | 1 Fee | 1 Ins 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 Ins | None | N/A | 41.6% - 74.1% | 42.5% - 78% | 37 |
Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Income Generation Loan | 29.9% | 32.2% | 34.4% - 35.1% | Yes | Yes | Yes | 100 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Income Generation Loan | 30.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 32.2% | 34.4% - 35.1% | 86 |
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