| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.richstepinvestment.com |
| Year established | 2007 |
| Head of Institution | Stephen Dzovor |
| Regions active | Greater Accra Region |
| # Branches | 9 |
| Total Portfolio (nat'l) | GHS 200,000 |
| Total Portfolio (USD) | USD 101,522.84 |
| Active clients with loans | 150 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | GHAMFIN, GCSCA |
| Funders |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.peap-foncresol.org |
| Year established | 1997 |
| Head of Institution | Gustavo Diez de Medina Villarreal |
| Regions active | Chuquisaca , Cochabamba , La Paz , Potosí, Tarija |
| # Branches | 5 |
| Total Portfolio (nat'l) | BOB 64,620,579 |
| Total Portfolio (USD) | USD 9,573,419.11 |
| Active clients with loans | 3,909 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | FINRURAL, INAFI - LA |
| Funders | MISEREOR, Programa Mundial de Alimentos - PMA, Obras Cardenal Leger - CLO, ACDI (Agencia Canadiense de Desarrollo Internacional) |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Petty Traders Loan | GHS 50 - 1,000 | 1 - 5 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business, Have home or land, Specific age group | Group Mtgs, Credit Ins, Other Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Banca Comunal | BOB 2,500 - 9,500 | 6 - 18 | 60% - 80% | 0% - 20% | Business, Agriculture, Consumer | Women, Men, Have business | Credit Educ, Group Mtgs, Other Training, Insidencia Politica - Participación ciudadana, Derechos Humanos - Género | |||||||
| Individual | USD 100 - 15,000 | 6 - 60 | 40% - 60% | 60% - 80% | Business, Agriculture, Consumer | Women, Men, Have business |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Petty Traders Loan | 60.00%-120.00% annual, Flat | 2 Fees | 0 | None | 25.00% upfront | 147.3% - 245.4% | 259.4% - 420.1% | 16 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Banca Comunal | 24.0% annual, Decl Bal | 0 Fees | 1 Ins | None | 6.00% ongoing | 23.8% - 24% | 30.3% - 30.6% | 79 | ||||||||
| Individual | 9.0%-18.0% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 18.1% - 18.9% | 18.7% - 18.9% | 48 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Petty Traders Loan | 60.00%-120.00% annual, Flat | 2 Fees | 0 | None | 25.00% upfront | 147.3% - 245.4% | 259.4% - 420.1% | 16 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Banca Comunal | 24.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | 6.00% ongoing | 23.8% - 24% | 30.3% - 30.6% | 79 | ||||||||
| Individual | 9.0%-18.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 18.1% - 18.9% | 18.7% - 18.9% | 48 |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| 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 | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
