| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 2006 |
| Head of Institution | Magnus Amoa-Bosompem |
| Regions active | 0 |
| # Branches | 0 |
| Total Portfolio (nat'l) | GHS 519,300 |
| Total Portfolio (USD) | USD 346,200 |
| Active clients with loans | 1,514 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Association of Financial NGOs, Ghana Micro Finance Institutions Network |
| Funders |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.pawdep.org/ |
| Year established | 2003 |
| Head of Institution | Julius Chege Muiruri |
| Regions active | 0 |
| # Branches | 8 |
| Total Portfolio (nat'l) | KES 480,000,000 |
| Total Portfolio (USD) | USD 5,797,101.45 |
| Active clients with loans | 44,000 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Production Credit | GHS 1,000 - 1,000 | 8 - 12 | 60% - 80% | 0% - 20% | ||||||||||
| Apprenticeship Start-up Credit Program | 0 | 0 | 80% - 100% | 40% - 60% | ||||||||||
| Efficient Energy Credit Program | GHS 200 - 1,000 | 3 - 6 | 80% - 100% | 0% - 20% | ||||||||||
| Micro Enterprise Development | GHS 100 - 3,000 | 6 - 12 | 80% - 100% | 40% - 60% |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Emergency Loan | KES 1,000 - 20,000 | 1 | 80% - 100% | 0% - 20% | Any Purpose | Women | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Training of trainers for groups | |||||||
| Endeleza Loan | KES 100,000 - 500,000 | 6 - 20 | 80% - 100% | 0% - 20% | Any Purpose | Women, Can be either to new or graduating clients | Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Eligible for scholarships to ISIU through Goldman Sachs 10,000 Women programme, Benefits from educational tours and fairs to display their products | |||||||
| Nuru Loan | KES 5,000 - 200,000 | 15 - 36 | 80% - 100% | 0% - 20% | Any Purpose | Women | Credit Educ, Group Mtgs, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Production Credit | 30.00%-0.00% annual, Decl Bal | 2 Fees | 0 Ins | N/A | 18.6% - 29.4% | 18.6% - 29.4% | 100 | |||||||||
| Apprenticeship Start-up Credit Program | 0.00% annual, 0 | 0 Fees | 0 Ins | 55.1% - 59.5% | 55.1% - 59.5% | |||||||||||
| Efficient Energy Credit Program | 36.00%-0.00% annual, Decl Bal | 1 Fee | 0 Ins | N/A | 61.2% | 61.2% | 58 | |||||||||
| Micro Enterprise Development | 36.00%-0.00% annual, Flat | 1 Fee | 1 Ins | N/A | 61.2% - 64.8% | 64.6% - 68.4% | 54 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Emergency Loan | 60.0% annual, Flat | 0 Fees | 0 Ins | None | 33.3% upfront 200.00 ongoing | #N/A | #N/A | N/A | ||||||||
| Endeleza Loan | 15.0% annual, Flat | 0 Fees | 1 Ins | None | 30.0% upfront 200.00 ongoing | #N/A | #N/A | N/A | ||||||||
| Nuru Loan | 18.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 40.0% upfront 200.00 ongoing | #N/A | #N/A | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Production Credit | 30.00%-0.00% annual, Decl Bal | 2 Fees | 0 Ins Ins | N/A | 18.6% - 29.4% | 18.6% - 29.4% | 100 | |||||||||
| Apprenticeship Start-up Credit Program | 0.00% annual, 0 | 0 Fees | 0 Ins Ins | 55.1% - 59.5% | 55.1% - 59.5% | |||||||||||
| Efficient Energy Credit Program | 36.00%-0.00% annual, Decl Bal | 1 Fee | 0 Ins Ins | N/A | 61.2% | 61.2% | 58 | |||||||||
| Micro Enterprise Development | 36.00%-0.00% annual, Flat | 1 Fee | 1 Ins Ins | N/A | 61.2% - 64.8% | 64.6% - 68.4% | 54 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Emergency Loan | 60.0% annual, Flat | 0 Fees | 0 Ins Ins | None | 33.3% upfront 200.00 ongoing | #N/A | #N/A | N/A | ||||||||
| Endeleza Loan | 15.0% annual, Flat | 0 Fees | 1 Ins Ins | None | 30.0% upfront 200.00 ongoing | #N/A | #N/A | N/A | ||||||||
| Nuru Loan | 18.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 40.0% upfront 200.00 ongoing | #N/A | #N/A | N/A |
| Key Statistics | |
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| % Products using declining balance | |
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| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
