2. ACB-SA
Please note that the information you are viewing is 148 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Amasezerano Community Bank P.O.Box 4691KIGALIP.O.Box 4691
Data approved: 2011-10-26
Data version: 1
Age of data: -   months 
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Product

Hembwa Wage MT & LT Product 4 of 6 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 85,328,639
Portfolio (USD)USD 144,625
Active Clients with Loans164
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Loans for salaried people for any purpose. Most borrowers are security guards.\r
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 10,000
Maximum loan size5,000,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term36.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest15.00%
Highest quoted nominal interest15.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionLoan Application Processing Fee + collateral visitCommission Fee + internal guarantee
% of loan amount - min01.50%
% of loan amount - max01.50%
OR, Fixed amount - min15,0000
Fixed amount - max15,0000
Reason for variation
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Commission
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min1,000
Fixed amount - max1,000
Reason for variation
Appears on Repayment Sched?
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A

Full Pricing Data

Hembwa Wage MT & LT samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountRWF 120,000RWF 248,000RWF 570,000RWF 700,000RWF 1,300,000RWF 1,525,000
Loan Cycle (1, 2, 3, etc)0Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement DateN/A2012-04-162012-05-112012-04-252012-08-222012-05-02
Loan Term (Months)12.0 months24.0 months24.0 months24.0 months24.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component53.7%35.3%31.5%26.5%0.0%34.6%
Insurance Component2.3%2.5%0.6%0.0%26.5%6.2%
Tax Component0.4%0.2%0.2%0.0%-26.5%0.2%
Deposit Component0.0%0.0%0.0%0.0%26.5%0.0%
Full APR (int fee ins tax dep)56.5%38.1%32.3%26.5%26.5%41.1%
Transparency Index273946575737
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Hembwa Wage MT & LT Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeAnyLoan PurposeACB-SAInstitutionRW-001-V01-P04ProductRWCountry2011YearRange Number1Institution Data Version0500,0001,000,0001,500,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 30102Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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  2. Kraban Support
Please note that the information you are viewing is 162 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Kraban Support Foundation Dome-AccraGreater AccraPO Box KD 83, Kanda
Data approved: 2011-12-07
Data version: 1
Age of data: 162 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established1996
Head of InstitutionNana Opare-Dzan
Regions active
# Branches4

Total Portfolio (nat'l)GHS 1,539,492
Total Portfolio (USD)USD 781,468.02
Active clients with loans8,017
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsGHAMFIN, GAPVOD, ASSFIN, EMPRETEC Business Forum
FundersMiDA, International Alliance for Women, Social Investment Fund (SIF), KIVA, EB-ACCION, RHEMA

Loan Products » Summary

Agape
857 Borrowers
USD 39,989.85 Portfolio
Active Product
Extra Mile
1,070 Borrowers
USD 217,746.19 Portfolio
Active Product
Green Energy
4,430 Borrowers
USD 55,230.46 Portfolio
Active Product
Heights
188 Borrowers
USD 142,207.11 Portfolio
Active Product
Sika Rose
1,236 Borrowers
USD 326,294.42 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agape Loan GHS 100 - 250 6 80% - 100% 0% - 20% Business Women, Men Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Extra Mile Loan GHS 1,200 - 1,200 6 80% - 100% 0% - 20% Business Women, Men, Have business, Salaried worker, some have businesses, others are salary workers like teachers and nurses Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Green Energy Microfinance(GEM) Loan GHS 450 - 500 6 80% - 100% 0% - 20% Business, Housing, Other, Health clinic, corn milling business Women, Men Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Higher Heights Loan GHS 1,000 - 2,052 4 - 12 80% - 100% 80% - 100% Business, Farmers Men Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Training on access to green energy in their agro-processsing activities
Sika Rose Loan GHS 150 - 500 6 80% - 100% 80% - 100% Business, Agricultural produce marketing Women, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agape Loan 20.00% annual, Flat 0 Fees 0 Ins None 10.00% upfront 61% - 64.7% 71.5% - 76.6% 27
Extra Mile Loan 40.00% annual, Flat 1 Fee 0 Ins None 10.00% upfront 64.7% 76.8% 52
Green Energy Microfinance(GEM) Loan 40.00% annual, Flat 1 Fee 0 Ins None 100.00 upfront 61% - 67.1% 86.8% - 96.3% 42
Higher Heights Loan 30.00% annual, Decl Bal 1 Fee 0 Ins None N/A 26% 26% 100
Sika Rose Loan 40.00% annual, Flat 1 Fee 0 Ins None 10.00% upfront 46.8% - 59.5% 53% - 67.1% 64
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeKraban SupportInstitutionGH-027-V01-P01GH-027-V01-P02GH-027-V01-P03GH-027-V01-P04GH-027-V01-P05ProductGHCountry2011YearRange Number1Institution Data Version05001,0001,500Loan Size (all)0%20%40%60%80%100%Full APR (int fee ins tax dep)> 2,2001,6001,10050060Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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