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

Loan Conditions

Loan Amount

Currency	PHP
Minimum loan size	PHP 5,000
Maximum loan size	25,000

Loan Term and Grace Period

Shortest loan term	3.7 months
Longest loan term	12.1 months
Approx average	6.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly	x
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Upfront Fees

	Fee 1		Fee 2
Description	Service Fee		Filing Fee/Notarial Fee
% of loan amount - min	4.00%		0
% of loan amount - max	6.00%		0
OR, Fixed amount - min	0		130
Fixed amount - max	0		130
Reason for variation			N/A
Appears on Repayment Sched?	Yes		Yes

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1		Ins 2
Description	Basic Life Insurance (annual fee)		Loan Insurance
% of loan amount - min	0		1.13%
% of loan amount - max	0		1.13%
OR, Fixed amount - min	182.50		0
Fixed amount - max	182.50		0
Reason for variation	N/A		N/A
Appears on Repayment Sched?	Yes		Yes

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?	Yes

Deposit BEFORE or AT Disbursement

% loan amount deposited	3.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	PHP 20
Conditions on access to deposit	Access During

Interest Paid on Deposit

Minimum interest rate paid	4.50%
Maximum interest rate paid	4.50%
Interest payment frequency	Quarterly

Taxes

Are taxes charged on this product?

No

Additional Comments

Interest on savings is paid quarterly. Mortuary Fund and Basic Life Insurance are annual fees. P1 CBU is required on the first loan cycle. For weekly deposits, on first cycle, P1 savings and P1 for CBU. For each succeeding loan cycle, an additional P5. If there is no withdrawal, there is no maintaining balance. If with withdrawals, maintaining balance amount will vary based on loan amount.

Cycle Loan Price Graphs