2. PRODEM
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  2. Bonzali Rural
Please note that the information you are viewing is 161 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

FFP Prodem S.A. Balisario Salinas # 520La Paz13963
Data approved: 2010-11-05
Data version: 1
Age of data: -   months 
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Institution

Bonzali Rural Bank KumbunguNorthern RegionPO Box 1197
Data approved: 2011-12-07
Data version: 1
Age of data: 161 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp:// www.prodemffp.com
Year established2000
Head of InstitutionJose Noel Zamora
Regions active0
# Branches102

Total Portfolio (nat'l)BOB 2,227,504,361
Total Portfolio (USD)USD 325,183,118.40
Active clients with loans105,784
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addressN/A
Year established1990
Head of InstitutionMike D Tizaayel
Regions active
# Branches6

Total Portfolio (nat'l)GHS 3,838,180
Total Portfolio (USD)USD 1,948,314.72
Active clients with loans9,508
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsGHAMFIN, ARB
FundersTrias Ghana, Speed Ghana, Action Aid

Loan Products » Summary

Estacional
630 Borrowers
USD 24,319,731.68 Portfolio
Active Product
Micro
1,482 Borrowers
USD 3,726,678.30 Portfolio
Active Product
Relampago
32,478 Borrowers
USD 10,500,226.81 Portfolio
Active Product
Solidario
33 Borrowers
USD 35,957.08 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

Agricultural
500 Borrowers
USD 77,932.49 Portfolio
Active Product
Microfinance
8,500 Borrowers
USD 1,068,071.07 Portfolio
Active Product
Commercial
400 Borrowers
USD 389,662.94 Portfolio
Active Product
Salary
1,000 Borrowers
USD 155,864.97 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Estacional BOB 2,500 - 140,000 1 - 6 40% - 60% 60% - 80% Business, Capital de Trabajo Women, Men, Have business
Linea de Credito Microefectivo BOB 1,000 - 80,000 6 - 24 40% - 60% 60% - 80% Business, Capital de Trabajo, Capital de Inversión Women, Men, Have business
Relámpago BOB 400 - 8,000 1 - 12 40% - 60% 40% - 60% Business, Capital de Trabajo, Capital de Inversión Women, Men, Have business

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Loan GHS 200 - 2,000 4 - 8 0% - 20% 0% - 20% Agriculture Women, Men Credit Educ, Group Mtgs, Business Training
Bonzali Microfinance Loan GHS 200 - 3,000 4 - 12 60% - 80% 0% - 20% Any Purpose Women, Men Credit Educ, Group Mtgs, Business Training
Commercial Loan GHS 500 - 3,000 6 - 12 80% - 100% 40% - 60% Business Women, Men, Have business Business Training
Personal and Salary Loan GHS 100 - 2,000 6 - 12 40% - 60% 60% - 80% Any Purpose Women, Men, Have business

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Estacional 16.0%-24.0% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A
Linea de Credito Microefectivo 20.0%-32.0% annual, Decl Bal 2 Fees 0 Ins None N/A 0% 0% N/A
Relámpago 28.0%-38.0% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 30.00% annual, Flat 1 Fee 0 Ins None 10.00% upfront 88.2% 102.4% 29
Bonzali Microfinance Loan 30.00% annual, Flat 1 Fee 0 Ins None 10.00% upfront 80.1% - 81.3% 96.5% - 100.8% 30
Commercial Loan 30.00% annual, Flat 1 Fee 0 Ins None 10.00 upfront 68.4% - 206.6% 69.7% - 212.3% 25
Personal and Salary Loan 30.00% annual, Flat 1 Fee 0 Ins None N/A 58.6% - 62.1% 58.6% - 62.1% 50

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Estacional 16.0%-24.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 0% 0% N/A
Linea de Credito Microefectivo 20.0%-32.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 0% 0% N/A
Relámpago 28.0%-38.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 30.00% annual, Flat 1 Fee 0 Ins Ins None 10.00% upfront 88.2% 102.4% 29
Bonzali Microfinance Loan 30.00% annual, Flat 1 Fee 0 Ins Ins None 10.00% upfront 80.1% - 81.3% 96.5% - 100.8% 30
Commercial Loan 30.00% annual, Flat 1 Fee 0 Ins Ins None 10.00 upfront 68.4% - 206.6% 69.7% - 212.3% 25
Personal and Salary Loan 30.00% annual, Flat 1 Fee 0 Ins Ins None N/A 58.6% - 62.1% 58.6% - 62.1% 50
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessLoan PurposePRODEMInstitutionBO-014-V01-P02BO-014-V01-P03BO-014-V01-P04ProductBOCountry2010YearRange Number1Institution Data Version050,000100,000150,000Loan Size (all)0%10%20%30%40%50%Full APR (int fee ins tax dep)> 16,00012,0008,1004,000400Number 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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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.RurBankInstitution TypeAgricultureAnyBusinessLoan PurposeBonzali RuralInstitutionGH-010-V01-P01GH-010-V01-P02GH-010-V01-P03GH-010-V01-P04ProductGHCountry2011YearRange Number1Institution Data Version05001,0001,5002,0002,5003,000Loan Size (all)0%50%100%150%200%Full APR (int fee ins tax dep)> 4,2003,1002,1001,000100Number 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.
Click to view Price Analysis Tool
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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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