| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.pawdep.org/ |
| Year established | 2004 |
| Head of Institution | Mary Muthoni Chege |
| Regions active | Central, Eastern, Nairobi, North Eastern, Rift Valley |
| # Branches | 11 |
| Total Portfolio (nat'l) | KES 643,652,859 |
| Total Portfolio (USD) | USD 7,773,585.25 |
| Active clients with loans | 39,401 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | AMFI, AMT, NGO Council |
| Funders | Women Enterprise Fund |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.idghana.org/ |
| Year established | 1998 |
| Head of Institution | Stephen Mawuli Kwesi Dugbazah |
| Regions active | Greater Accra Region |
| # Branches | 5 |
| Total Portfolio (nat'l) | GHS 1,879,142 |
| Total Portfolio (USD) | USD 953,879.19 |
| Active clients with loans | 5,689 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | GHAMFIN, ASSFIN, AMT |
| Funders | Entrepreneurs du Monde, Air Liquide, TECHNIP, French Embassy |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Nuru Loan | KES 5,000 - 200,000 | 15 - 52 | 80% - 100% | 40% - 60% | Any Purpose | Women | Credit Educ, Group Mtgs, Business Training | |||||||
| Haraka Loan | KES 500 - 100,000 | 1 | 80% - 100% | 40% - 60% | Any Purpose | Women | Group Mtgs, Business Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Front Desk | GHS 100 - 5,000 | 3 - 9 | 80% - 100% | 80% - 100% | Business | Women, Men, Have business | Credit Educ, Business Training, Other Training, Life skill training, counciling, and referral services. | |||||||
| Kick Start | GHS 20 - 200 | 6 | 80% - 100% | 80% - 100% | Business | Women | Credit Educ, Group Mtgs, Business Training, Other Training, Life skill training, counciling, and referral services. | |||||||
| Onipa Nua (Each other's keepers) | GHS 100 - 5,000 | 3 - 9 | 80% - 100% | 80% - 100% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Business Training, Other Training, Life skill training, counciling, and referral services. |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Nuru Loan | 18.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 40.0% upfront 200.00 ongoing | 19.1% - 20.4% | 50.6% - 106.5% | 26 | ||||||||
| Haraka Loan | 60.0% annual, Flat | 1 Fee | 0 Ins | None | 30.0% upfront 200.00 ongoing | 58.7% - 60% | 83% - 84.9% | 71 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Front Desk | 36.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 68.9% - 74.9% | 68.9% - 74.9% | 49 | ||||||||
| Kick Start | 0.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 0% | 0% | 100 | ||||||||
| Onipa Nua (Each other's keepers) | 36.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 70.3% - 71.2% | 70.3% - 71.2% | 50 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Nuru Loan | 18.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 40.0% upfront 200.00 ongoing | 19.1% - 20.4% | 50.6% - 106.5% | 26 | ||||||||
| Haraka Loan | 60.0% annual, Flat | 1 Fee | 0 Ins Ins | None | 30.0% upfront 200.00 ongoing | 58.7% - 60% | 83% - 84.9% | 71 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Front Desk | 36.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 68.9% - 74.9% | 68.9% - 74.9% | 49 | ||||||||
| Kick Start | 0.0% annual, Flat | 0 Fees | 0 Ins Ins | None | N/A | 0% | 0% | 100 | ||||||||
| Onipa Nua (Each other's keepers) | 36.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 70.3% - 71.2% | 70.3% - 71.2% | 50 |
| 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 ∞ | ||||||
