| Outstanding portfolio (KES) | KES 14,775,291 |
| Portfolio (USD) | USD 178,445.54 |
| Active Clients with Loans | 125 |
| Approximate % Female Clients | 40% - 60% |
| Approximate % Urban Clients | 60% - 80% |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | N/A |
| Other (2) | N/A |
| 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 | N/A |
| Other (2) | N/A |
| # Regions for this institution | 5 |
| # Regions for this product | N/A |
| Regions Active |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.sinapiaba.com/ |
| Year established | 1994 |
| Head of Institution | Anthony Gyasi-Fosu |
| Regions active | Greater Accra Region, Central Region, Western Region, Eastern Region, Volta Region, Ashanti Region, Brong Ahafo Region, Northern Region, Upper East Region, Upper West Region |
| # Branches | 48 |
| Total Portfolio (nat'l) | GHS 57,838,603 |
| Total Portfolio (USD) | USD 29,359,696.95 |
| Active clients with loans | 148,020 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Opportunity International, GHAMFIN, Mix Market, ASSFIN |
| Funders | Blue Orchard, Symbotics, Kolibre Capital, Tridos |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Individual | GHS 100 - 5,000 | 6 - 12 | 80% - 100% | 60% - 80% | Business, Housing, Education, Micro School, Special Agric Loan | Women, Men, Have business | Credit Educ, Group Mtgs, Business Training | |||||||
| SME | GHS 5,000 - 50,000 | 6 - 12 | 60% - 80% | 80% - 100% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
| Solidarity | GHS 1,000 - 4,000 | 0.5 - 10 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Health Education | |||||||
| Trust Bank | GHS 200 - 900 | 6 - 10 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Individual | 20.00%-40.00% annual, Flat | 2 Fees | 1 Ins | None | 10.00% upfront | 64.3% - 75.8% | 78.7% - 91.5% | 22 | ||||||||
| SME | 36.00%-40.00% annual, Flat | 2 Fees | 1 Ins | None | 10.00% upfront | 56.6% - 76.6% | 69.6% - 94.5% | 43 | ||||||||
| Solidarity | 22.00%-39.00% annual, Flat | 2 Fees | 1 Ins | None | 10.00% upfront | 69.2% - 75.4% | 84.8% - 93.1% | 24 | ||||||||
| Trust Bank | 22.00%-39.00% annual, Flat | 2 Fees | 1 Ins | None | 10.00% upfront | 76.8% - 79.4% | 94.4% - 97.8% | 22 |
| Key Statistics | |
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| % 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 |
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