2. UCU
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
  2. ASPI
Please note that the information you are viewing is 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Union of Savings and Credit Cooperatives (UCU) NyarugengeNyamiramboKigaliPO Box 2998
Data approved: 2012-10-29
Data version: 2
Age of data: 148 months
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Institution

AIDEZ Small Project International HSN C191/18, AbelemkpeAccra, Greater Accra
Data approved: 2013-03-26
Data version: 2
Age of data: 144 months
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Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addressN/A
Year established2005
Head of InstitutionNdahayo Jules Theoneste
Regions activeGakenke, Gasabo, Kicukiro, Musanze, Ngororero, Nyabihu, Nyamagabe, Nyanza, Nyarugenge, Ruhango
# Branches0

Total Portfolio (nat'l)RWF 1,026,255,074
Total Portfolio (USD)USD 1,710,425.12
Active clients with loans3,391
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsAMIR, MAIN
FundersLes membres qui libirent les parts sociales, ONG Trocaire, UNCDF, Terrafina

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.asp-i.org/asp-i/
Year established2003
Head of InstitutionMoses O.T Owharo
Regions activeGreater Accra Region, Volta Region
# Branches0

Total Portfolio (nat'l)GHS 174,550
Total Portfolio (USD)USD 88,604.06
Active clients with loans845
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliationsGHAMFIN, ASSFIN, Coalition of NGOs in Health, Microcredit summit campaign, USA
FundersUSAID, UBA, Zenith Bank, Ghana Commercial Bank

Loan Products » Summary

Decouvert
52 Borrowers
USD 63,333 Portfolio
Active Product
Micro
521 Borrowers
USD 365,000 Portfolio
Active Product
Ordinary
2,738 Borrowers
USD 432,543 Portfolio
Active Product
Youth
80 Borrowers
USD 116,667 Portfolio
Active Product
After purpose saving loan
Retired Product
Decouvert (2 weeks)
Retired Product
Loans < 2 millions RWF
Retired Product

Loan Products » Summary

Agriculture
102 Borrowers
USD 39,187.82 Portfolio
Active Product
Individual
236 Borrowers
USD 2,741.12 Portfolio
Active Product
SME
170 Borrowers
USD 3,730.96 Portfolio
Active Product
Petty Trade
300 Borrowers
USD 36,548.22 Portfolio
Active Product
Car Loan
7 Borrowers
USD 3,553.30 Portfolio
Low Volume Product
Energy Tech
30 Borrowers
USD 2,842.64 Portfolio
Low Volume Product
Compulsory Savings Loan
Retired Product
Susu Savings Loan
Retired Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Decouvert (One Month) Loan RWF 500,000 - 1,500,000 1 0% - 20% 20% - 40% Any Purpose Women, Men, Have business Credit Educ, Credit Ins, Business Training
Microloan RWF 50,000 - 1,999,999 4 - 12 20% - 40% 0% - 20% Any Purpose Women, Men Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Ordinary Loan RWF 2,000,000 - 5,000,000 12 - 18 20% - 40% 0% - 20% Any Purpose Women, Men Credit Educ, Credit Ins, Business Training
Youth Business Loan RWF 50,000 - 2,000,000 4 - 24 20% - 40% 60% - 80% Any Purpose Women, Men, Specific age group Credit Educ, Credit Ins, Business Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan GHS 400 - 15,000 4 - 24 40% - 60% 0% - 20% Business, Used for agricultural purposes Women, Men, Have business, Must own a farm or animals, fish, etc. Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Health Education, Technology Management
Individual Loan GHS 100 - 3,000 3 - 12 60% - 80% 40% - 60% Business, Consumer, Education Women, Men, Have business, Salaried worker, Must provide a guarantor Credit Educ, Tech Asst Visits, Business Training, Health Education
SME Loan GHS 1,500 - 5,000 4 - 8 80% - 100% 60% - 80% Business Women, Men, Have business, Must be a graduate from a small group loan, Must provide guarantor Credit Educ, Tech Asst Visits, Business Training
Petty Traders Loan (PTL) GHS 50 - 2,000 3 - 12 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Decouvert (One Month) Loan 96.00% annual, Decl Bal 0 Fees 0 Ins None N/A 93.8% 93.8% 100
Microloan 22.80% annual, Decl Bal 0 Fees 0 Ins 18.00% fees 10.00%-15.00% upfront 41% - 41.2% 50.2% - 55.7% 44
Ordinary Loan 22.80% annual, Decl Bal 0 Fees 0 Ins 18.00% fees 10.00%-15.00% upfront 23.6% - 23.8% 29.5% - 31.7% 75
Youth Business Loan 21.60% annual, Decl Bal 0 Fees 0 Ins 18.00% fees 10.00% upfront 22.7% - 24% 28.5% - 30.3% 74

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 48.00% annual, Flat 1 Fee 0 Ins None 15.00%-30.00% upfront 93% - 112.1% 137.1% - 163.9% 32
Individual Loan 48.00% annual, Flat 1 Fee 0 Ins None 20.00% upfront 118.9% - 159.8% 174.6% - 205.5% 25
SME Loan 48.00% annual, Flat 1 Fee 0 Ins None 15.00%-20.00% upfront 107.9% - 136% 157.9% - 182.6% 28
Petty Traders Loan (PTL) 48.00% annual, Flat 1 Fee 0 Ins None 20.00% upfront 118.9% - 125.8% 174.6% - 183.6% 26

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Decouvert (One Month) Loan 96.00% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 93.8% 93.8% 100
Microloan 22.80% annual, Decl Bal 0 Fees 0 Ins Ins 18.00% fees 10.00%-15.00% upfront 41% - 41.2% 50.2% - 55.7% 44
Ordinary Loan 22.80% annual, Decl Bal 0 Fees 0 Ins Ins 18.00% fees 10.00%-15.00% upfront 23.6% - 23.8% 29.5% - 31.7% 75
Youth Business Loan 21.60% annual, Decl Bal 0 Fees 0 Ins Ins 18.00% fees 10.00% upfront 22.7% - 24% 28.5% - 30.3% 74

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 48.00% annual, Flat 1 Fee 0 Ins Ins None 15.00%-30.00% upfront 93% - 112.1% 137.1% - 163.9% 32
Individual Loan 48.00% annual, Flat 1 Fee 0 Ins Ins None 20.00% upfront 118.9% - 159.8% 174.6% - 205.5% 25
SME Loan 48.00% annual, Flat 1 Fee 0 Ins Ins None 15.00%-20.00% upfront 107.9% - 136% 157.9% - 182.6% 28
Petty Traders Loan (PTL) 48.00% annual, Flat 1 Fee 0 Ins Ins None 20.00% upfront 118.9% - 125.8% 174.6% - 183.6% 26
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoopInstitution TypeAnyLoan PurposeUCUInstitutionRW-011-V02-P03RW-011-V02-P05RW-011-V02-P06RW-011-V02-P07ProductRWCountry2012YearRange Number2Institution Data Version01,000,0002,000,0003,000,0004,000,000Loan Size (all)0%20%40%60%80%100%Full APR (int fee ins tax dep)> 20010010Number of Borrowers
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeASPIInstitutionGH-003-V02-P01GH-003-V02-P03GH-003-V02-P04GH-003-V02-P08ProductGHCountry2013YearRange Number2Institution Data Version05,00010,00015,000Loan Size (all)0%50%100%150%200%Full APR (int fee ins tax dep)> 1009010Number of Borrowers
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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
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