| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 2005 |
| Head of Institution | Ndahayo Jules Theoneste |
| Regions active | Gakenke, Gasabo, Kicukiro, Musanze, Ngororero, Nyabihu, Nyamagabe, Nyanza, Nyarugenge, Ruhango |
| # Branches | 0 |
| Total Portfolio (nat'l) | RWF 1,026,255,074 |
| Total Portfolio (USD) | USD 1,710,425.12 |
| Active clients with loans | 3,391 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | AMIR, MAIN |
| Funders | Les membres qui libirent les parts sociales, ONG Trocaire, UNCDF, Terrafina |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.asa-international.com/ |
| Year established | 2007 |
| Head of Institution | MD. Aourongjeb |
| Regions active | Greater Accra Region, Central Region, Western Region, Ashanti Region |
| # Branches | 54 |
| Total Portfolio (nat'l) | GHS 36,218,600 |
| Total Portfolio (USD) | USD 18,962,617.80 |
| Active clients with loans | 71,633 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | GHAMFIN |
| Funders | Catalyst Microfinance Industries, ASA International |
| 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 |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | GHS 500 - 2,000 | 6 - 12 | 80% - 100% | 60% - 80% | Business | Women, Have business, Must have a business plan | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Small Loan | GHS 300 - 1,000 | 6 - 12 | 80% - 100% | 80% - 100% | Business | Women, 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 36.00% annual, Flat | 1 Fee | 1 Ins | None | 10.00% upfront | 60.5% - 69.3% | 73.9% - 85% | 46 | ||||||||
| Small Loan | 36.00% annual, Flat | 1 Fee | 1 Ins | None | 10.00% upfront | 64.2% - 68.7% | 81.5% - 87.5% | 42 |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 36.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 10.00% upfront | 60.5% - 69.3% | 73.9% - 85% | 46 | ||||||||
| Small Loan | 36.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 10.00% upfront | 64.2% - 68.7% | 81.5% - 87.5% | 42 |
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