| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| AB Bank | 300 | 307,000 | 2 | 163 |
| AMZ | 4,900 | 651,000 | 2 | 163 |
| CETZAM | 6,700 | 2,210,000 | 4 | 163 |
| Eclof Zambia | 200 | 111,000 | 4 | 163 |
| Empowerment | 1,500 | 447,000 | 5 | 163 |
| FINCA Zambia | 43,700 | 16,420,000 | 4 | 121 |
| Harmos | 9,800 | 1,398,000 | 3 | 163 |
| Kungoma | 43 | 18,000 | 2 | 163 |
| MBT | 13,900 | 1,563,000 | 5 | 163 |
| Meanwood | 2,000 | 1,766,000 | 5 | 163 |
| PFSL | 1,300 | 3,506,000 | 3 | 163 |
| Zambia CRC | 30 | 1,000 | 1 | 163 |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.eb-accion.com |
| Year established | 2008 |
| Head of Institution | Mrs. Frances Adu-Mante |
| Regions active | Greater Accra Region, Ashanti Region, Brong Ahafo Region |
| # Branches | 8 |
| Total Portfolio (nat'l) | GHS 23,675,529 |
| Total Portfolio (USD) | USD 12,018,035.03 |
| Active clients with loans | 9,401 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | Ghana Association of Savings and Loans Companies, GHAMFIN |
| Funders | Ecobank Ghana Ltd, Ecobank Transitional Inc, ACCION International, IFC |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Nkosuo | GHS 50 - 3,000 | 3 - 12 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business, Specific age group | Credit Ins | |||||||
| Micro Express | GHS 50 - 1,000 | 3 - 6 | 60% - 80% | 60% - 80% | Business | Women, Men, Specific age group | Credit Ins | |||||||
| Adwuma Pa | GHS 3,000 - 15,000 | 3 - 12 | 60% - 80% | 80% - 100% | Business | Women, Men, Have business, Specific age group | Credit Ins | |||||||
| Micro Plus | GHS 15,000 - 30,000 | 3 - 24 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business, Have home or land, Specific age group | Credit Ins | |||||||
| SME | GHS 30,000 - 50,000 | 3 - 24 | 0% - 20% | 80% - 100% | Business | Women, Men, Have business, Have home or land, Specific age group | Credit Ins | |||||||
| Group | GHS 600 - 3,000 | 3 - 12 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business, Specific age group | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Nkosuo | 48.0% annual, Flat | 1 Fee | 1 Ins | None | 81.2% - 82.6% | 83.9% - 120.9% | 52 | |||||||||
| Micro Express | 48.0% annual, Flat | 1 Fee | 1 Ins | None | 2.50-10.00 ongoing | 87.8% - 95.1% | 154.3% - 180.7% | 29 | ||||||||
| Adwuma Pa | 45.0% annual, Flat | 1 Fee | 1 Ins | None | 61.3% - 76.6% | 68.3% - 78% | 61 | |||||||||
| Micro Plus | 42.0%-45.0% annual, Flat | 1 Fee | 1 Ins | None | 74% - 76.6% | 75.2% - 78.2% | 54 | |||||||||
| SME | 38.4%-42.0% annual, Flat | 1 Fee | 1 Ins | None | 59.9% - 64.5% | 60.7% - 66.9% | 59 | |||||||||
| Group | 48.0% annual, Flat | 1 Fee | 1 Ins | None | 2.50-10.00 ongoing | 74.1% - 77.1% | 111.6% - 118.8% | 41 |
| 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 ∞ | ||||||
