2. CEDEF
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  2. Harmos
Please note that the information you are viewing is 168 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Calvary Enterprise Development Foundation P. O Box MP 2468Mamprobi, Accra, Greater Accra233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
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Institution

Harmos Microenterprise Development Ltd Baptist Training Center, Corner Makishi & Great East RdRhodesparkLusakaP.O. Box 33911
Data approved: 2011-12-12
Data version: 1
Age of data: 168 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established2006
Head of InstitutionMagnus Amoa-Bosompem
Regions active0
# Branches0

Total Portfolio (nat'l)GHS 519,300
Total Portfolio (USD)USD 346,200
Active clients with loans1,514
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsAssociation of Financial NGOs, Ghana Micro Finance Institutions Network
Funders

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established2003
Head of InstitutionNkosilathi Moyo
Regions active
# Branches0

Total Portfolio (nat'l)ZMK 7,227,940,834
Total Portfolio (USD)USD 1,396,703.54
Active clients with loans9,803
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsAssociation of Microfinance Institutions in Zambia
FundersWorld Vision, Cordaid

Loan Products » Summary

Agricultural Production Credit
101 Borrowers
USD 67,333 Portfolio
Active Product
Apprenticeship Start-up Credit Program
25 Borrowers
USD 10,000 Portfolio
Active Product
Efficient Energy Credit Program
100 Borrowers
USD 13,333 Portfolio
Active Product
Micro Enterprise Development
1,060 Borrowers
USD 242,340 Portfolio
Active Product

Loan Products » Summary

Agriculture
549 Borrowers
USD 76,404.95 Portfolio
Active Product
Business
9,244 Borrowers
USD 1,320,270.09 Portfolio
Active Product
Bicycle
16 Borrowers
USD 2,009.66 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 » Conditions

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%

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan ZMK 750,000 - 2,500,000 4 - 24 40% - 60% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training
Business Loan ZMK 500,000 - 90,000,000 3 - 12 60% - 80% 20% - 40% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 51.0%-63.0% annual, Flat 2 Fees 1 Ins None N/A 99.3% - 104.2% 105.6% - 108.1% 47
Business Loan 51.0%-63.0% annual, Flat 2 Fees 1 Ins None 18.0% upfront 86.6% - 102.1% 124% - 144.9% 37

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 51.0%-63.0% annual, Flat 2 Fees 1 Ins Ins None N/A 99.3% - 104.2% 105.6% - 108.1% 47
Business Loan 51.0%-63.0% annual, Flat 2 Fees 1 Ins Ins None 18.0% upfront 86.6% - 102.1% 124% - 144.9% 37
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessConsumerLoan PurposeCEDEFInstitutionGH-012-V01-P01GH-012-V01-P02GH-012-V01-P03GH-012-V01-P04ProductGHCountry2011YearRange Number1Institution Data Version05001,0001,5002,0002,5003,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 50020020Number 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.NGOInstitution TypeBusinessLoan PurposeHarmosInstitutionZM-009-V01-P01ZM-009-V01-P03ProductZMCountry2011YearRange Number1Institution Data Version01,000,0002,000,0003,000,0004,000,000Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 1,8001,30090040050Number 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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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