- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Adhikar	35,300	2,674,000	1	144
AMPL	0	0	0	144
Arman	41,500	529,107,000	1	144
Arohan	43,500	8,091,000	2	144
ASA INDIA	164,000	15,380,000	1	144
Asirvad	113,500	19,328,000	1	144
Asmitha	1,114,800	217,867,000	1	144
Bandhan	4,048,600	674,564,000	5	144
Belstar	123,000	23,945,000	2	123
BSFL	275,200	31,590,000	3	144
Chaitanya	20,700	3,748,000	3	144
Disha Microfin	69,000	14,332,000	2	144
Equitas	1,220,000	186,415,000	4	144
ESAF	354,200	43,500,000	5	144
FFSL	150,600	35,719,000	2	144
Fusion	66,800	9,820,000	2	144
Grama Vidiyal	738,200	102,101,000	1	144
Grameen Koota	586,600	83,555,000	15	146
Janalakshmi	506,000	119,077,000	2	144
L & T Finance	399,800	37,199,000	1	144
MFL	331,800	49,083,000	1	144
MMFL	175,000	23,752,000	2	144
Mpower	13,600	2,263,000	2	144
Sahayata	0	0	0	144
Saija	24,700	4,682,000	2	144
Samasta	45,500	4,809,000	2	144
Satin	405,600	90,174,000	2	144
SCCI	115,600	15,910,000	2	144
Share	2,195,400	376,727,000	1	144
SKS	3,409,000	355,029,000	2	144
SMILE	360,200	56,927,000	1	144
SNFL	9,400	1,779,000	1	144
Sonata Finance	158,200	22,724,000	3	146
Spandana	533,400	147,240,000	2	144
Suryoday	78,600	14,713,000	3	144
SVCL	118,200	18,886,000	1	144
Swadhaar	92,800	17,166,000	3	144
Trident	68,700	8,852,000	1	144
Ujjivan	913,300	160,848,000	5	144
Utkarsh	168,600	25,915,000	3	144
VFS	175,400	19,264,000	2	144
Asomi	50,300	4,743,000	2	177
AES India	3,600	286,000	1	177
Arth	2,900	611,000	2	177
Asomi	50,300	4,743,000	2	177
Barasat GS	1,100	99,508.02	1	177
BJS	6,000	468,000	1	177
Cashpor	417,000	50,452,000	1	176
Credible	10,000	1,669,540.36	2	177
DIBAKAR	1,800	145,000	1	176
GOF	65,200	5,388,000	4	176
Hope	62,600	4,407,000	1	174
Jaago	2,700	237,000	1	175
LOK	4,900	573,000	1	176
Nano	25,600	3,660,000	2	177
NBSAAVS	28,100	2,821,000	1	174
Nirantara	8,200	917,000	2	176
Parama	7,100	482,000	1	176
Pragathi	26,200	4,579,000	6	176
PWMACS	36,500	5,946,000	1	176
Saadhana	90,900	12,046,000	2	176
Sambhav	1,500	183,000	3	176
Seba Rahara	6,700	468,000	1	176
SU	61,100	5,498,000	1	176
Swayanshree	7,900	918,000	2	176
Vikas Samiti	1,600	168,000	1	176
Vistaar	4,300	1,157,000	2	174
We The People	1,100	244,000	2	176
WEMCS	1,100	85,000	1	176
Yukti	1,100	99,000	2	176

Please note that the information you are viewing is 145 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

AIDEZ Small Project International HSN C191/18, AbelemkpeAccra, Greater Accra

Data approved: 2013-03-26

Data version: 2

Age of data: 145 months

Download Data

Analyze Data

Product

SME Loan Product 4 of 8 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (GHS)	GHS 7,350
Portfolio (USD)	USD 3,730.96
Active Clients with Loans	170
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	60% - 80%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

Designed for small and medium sized enterprises for business expansion. Loan ranges from GHS 1000-5000.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education	x
Group meetings
Credit insurance
Workplace visits	x
Business training	x
Other training
Other
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land
Must be a salaried worker
Must be specific age group
Other	Must be a graduate from a small group loan
Other (2)	Must provide guarantor

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	2
# Regions for this product	2
Regions Active	Greater Accra Region, Volta Region

Loan Conditions

Loan Amount

Currency	GHS
Minimum loan size	GHS 1,500
Maximum loan size	5,000

Distribution at Disbursement (Est.)

Loans less than GHS 1,000	0
GHS 1,000-5,000	100%
GHS 5,000-7,500	0
GHS 7,500-10,000	0
GHS 10,000-13,000	0
Greater than GHS 13,000	0

Loan Term and Grace Period

Shortest loan term	4.0 months
Longest loan term	8.0 months
Approx average	5.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	40%
Between 7 and 9 months	60%
Between 10 and 12 months	0
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	100%
Average grace period	1.0 month

Repayment Frequency

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

Pricing Information

Interest

Lowest quoted nominal interest	4.00%
Highest quoted nominal interest	4.00%
Interest rate period	Monthly
Interest Rate Calculation Method	Flat
Subsidized by funder request?	Yes
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Processing Fee
% of loan amount - min	4.00%
% of loan amount - max	4.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	Yes

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

This product has no upfront insurance fees

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?	Yes
Do borrowers control deposit in their group?	No

Deposit BEFORE or AT Disbursement

% loan amount deposited	15.00% - 20.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	0
Conditions on access to deposit	End Term

Interest Paid on Deposit

Minimum interest rate paid	0
Maximum interest rate paid	0
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

SME Loan samples

	Sample 1	Sample 2	Sample 3	Sample 4
Loan Amount	GHS 1,500	GHS 1,500	GHS 2,800	GHS 2,900
Loan Cycle (1, 2, 3, etc)	Not Known	2	3	3
Disbursement Date	2013-04-18	2012-12-26	2012-12-26	2012-12-26
Loan Term (Months)	4.4 months	3.5 months	4.7 months	5.6 months
Grace Period (Months)	0.2 months	0.2 months	0.2 months	0.2 months
Total Cost of Credit	GHS 436.20	GHS 300	GHS 683.14	GHS 823.71
True Price by Comp
Interest price component	114.4%	92.7%	90.2%	90.3%
Fee Component	21.6%	26.2%	20.5%	17.6%
Insurance Component	0.0%	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%	0.0%
Deposit Component	46.6%	55.7%	52.0%	50.0%
Full APR (int fee ins tax dep)	182.6%	174.6%	162.7%	157.9%
Transparency Index	26	27	29	30

Original Repayment Schedule	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF

SME Loan Price Graphs

Loan Size/

Loan Term/

Custom

Click to view Price Analysis Tool

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

	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 ∞

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

SME Loan samples

SME Loan Price Graphs

Total Borrowers of Samples

Learn More

MFTransparency News

Explore Resources