| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| AGFS | 200 | 47,000 | 2 | 161 |
| Ahantaman RB | 23,800 | 9,896,000 | 4 | 143 |
| APED | 13,700 | 1,876,000 | 2 | 143 |
| ASA Initiative | 4,400 | 577,000 | 4 | 143 |
| ASA-Ghana | 71,600 | 18,385,000 | 2 | 143 |
| ASPI | 800 | 88,000 | 6 | 143 |
| Atwima Kwanwoma | 3,800 | 1,788,000 | 2 | 143 |
| Baobab | 5,100 | 967,000 | 2 | 143 |
| BestFUND | 13,000 | 4,172,000 | 3 | 143 |
| Bonzali Rural | 10,400 | 1,691,000 | 4 | 161 |
| CashPhase | 83 | 135,000 | 2 | 143 |
| CASUD | 1,100 | 524,000 | 1 | 143 |
| CEDEF | 500 | 54,000 | 4 | 143 |
| CFF | 100 | 13,000 | 1 | 143 |
| CRAN | 3,600 | 1,019,000 | 2 | 143 |
| DQF | 1,700 | 63,000 | 2 | 143 |
| EASL | 9,200 | 11,409,000 | 6 | 143 |
| East Mamprusi | 12,500 | 2,268,000 | 4 | 143 |
| ELDA | 0 | 0 | 0 | 143 |
| EMPRETEC Ghana | 200 | 56,000 | 2 | 143 |
| FASL | 13,500 | 14,047,000 | 8 | 143 |
| Grameen Ghana | 9,500 | 507,000 | 3 | 143 |
| ID-Ghana | 5,600 | 953,000 | 3 | 143 |
| Innovative Finance | 2,700 | 354,000 | 3 | 143 |
| Kraban Support | 7,700 | 781,000 | 5 | 161 |
| KRB | 4,000 | 6,350,000 | 3 | 143 |
| Lower Pra RB | 34,000 | 6,316,000 | 3 | 161 |
| Maata-N-Tudu | 12,000 | 941,000 | 4 | 143 |
| Mail Finance | 300 | 288,000 | 1 | 143 |
| Markaz | 0 | 0 | 0 | 143 |
| Markaz Al Bishara | 100 | 17,000 | 1 | 143 |
| MicrofinPlus Gh | 1,100 | 251,000 | 2 | 143 |
| Nwabiagya RB | 4,000 | 2,265,000 | 3 | 143 |
| OISL | 62,000 | 27,232,000 | 9 | 143 |
| Pro Credit | 0 | 0 | 0 | 143 |
| Rich Step | 100 | 101,000 | 1 | 143 |
| SAT | 147,600 | 29,359,000 | 4 | 143 |
| Sekam Trust | 600 | 137,000 | 2 | 143 |
| Simli Pong | 8,900 | 463,000 | 3 | 161 |
| SS Ghana | 200 | 35,000 | 1 | 143 |
| TCCU | 100 | 32,000 | 3 | 143 |
| The Bridge | 400 | 32,000 | 3 | 161 |
| Union RB | 3,800 | 2,361,000 | 4 | 143 |
| Outstanding portfolio (PHP) | PHP 1,066,985.45 |
| Portfolio (USD) | USD 25,525.97 |
| Active Clients with Loans | 123 |
| Approximate % Female Clients | 40% - 60% |
| Approximate % Urban Clients | 0% - 20% |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | x |
| Education | |
| Other household finance | |
| Other | Purchase of farm inputs |
| Other (2) |
| Credit education | x |
| Group meetings | x |
| Credit insurance | x |
| Workplace visits | x |
| Business training | x |
| Other training | |
| Other | Values Formation |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | Engaged in farming activities |
| Other (2) |
| Currency | PHP |
| Minimum loan size | PHP 5,000 |
| Maximum loan size | 50,000 |
| Shortest loan term | 4.0 months |
| Longest loan term | 4.0 months |
| Approx average | 4.0 months |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | x |
| Irregular payments |
| Lowest quoted nominal interest | 3.00% |
| Highest quoted nominal interest | 3.00% |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Flat |
| Subsidized by funder request? | |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Loan Service Fee |
| % of loan amount - min | 3.00% |
| % of loan amount - max | 3.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | |
| Appears on Repayment Sched? | No |
| Ins 1 | |
|---|---|
| Description | Loan Redemption Fee |
| % of loan amount - min | 2.00% |
| % of loan amount - max | 2.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | No |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | Yes |
| Do borrowers control deposit in their group? |
| % loan amount deposited | 5.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | PHP 200 |
| Conditions on access to deposit | End Term |
| Minimum interest rate paid | 2.00% |
| Maximum interest rate paid | 4.00% |
| Interest payment frequency | Quarterly |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | PHP 14,000 | PHP 15,000 | PHP 28,000 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | 20 | 6 | ||
| Disbursement Date | 2011-03-17 | 2011-02-18 | 2011-02-01 | ||
| Loan Term (Months) | 4.0 months | 4.0 months | 4.0 months | ||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
| Total Cost of Credit | Not Known | Not Known | Not Known | ||
| True Price by Comp | |||||
| Interest and Fee Component | 44.6% | 45.8% | 46.2% | ||
| Insurance Component | 6.6% | 6.8% | 6.9% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 3.7% | 3.8% | 3.3% | ||
| Full APR (int fee ins tax dep) | 55.0% | 56.5% | 56.4% | ||
| Transparency Index | 65 | 64 | 64 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| 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 |
|---|---|---|---|---|---|---|---|
