2. EASL
Please note that the information you are viewing is 145 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

EB ACCION Savings and Loans Ltd No. 4 Nortei Ababio Street Roman RidgePMB CT 127, CantonmentsAccra, Greater Accra
Data approved: 2013-07-31
Data version: 1
Age of data: 145 months

Product

Micro Plus Product 4 of 6 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 2,771,347.57
Portfolio (USD)USD 1,406,775.42
Active Clients with Loans265
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Flexible financing for the growth of your business. Minimum 12 months business experience. 10% interest payback when cash installments are on time.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution3
# Regions for this product3
Regions ActiveGreater Accra Region, Ashanti Region, Brong Ahafo Region

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 15,000
Maximum loan size30,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months10%
Between 10 and 12 months70%
Between 13 and 18 months15%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest3.50%
Highest quoted nominal interest3.75%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min1.50%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFee increased from 1.5% to 2.0% in March 2013.
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min0.55%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFee increased from 0.55% to 1.0% in July 2013.
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forSome
CriteriaRequired only if physical collateral provided is not sufficient.
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited0 - 20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Full Pricing Data

Micro Plus samples
Sample 1Sample 2Sample 3
Loan AmountGHS 15,000GHS 15,000GHS 15,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-07-112012-11-092013-06-10
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)0.1 months0.2 months0.0 months
Total Cost of CreditGHS 7,207GHS 7,064.50GHS 7,139.50
True Price by Comp     
Interest price component71.8%70.9%72.4%
Fee Component4.2%3.1%4.2%
Insurance Component2.1%1.1%1.1%
Tax Component0.1%0.1%0.1%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)78.2%75.2%77.8%
Transparency Index545654
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Micro Plus Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessLoan PurposeEASLInstitutionGH-019-V01-P04ProductGHCountry2013YearRange Number1Institution Data Version05,00010,00015,000Loan Size (all)0%20%40%60%80%Full APR (int fee ins tax dep)> 20102Number of Borrowers
Click to view Price Analysis Tool
  2. ACLEDA
Please note that the information you are viewing is 173 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

ACLEDA Bank Plc. #61, Preah Monivong Blvd.Sangkat Srah Chork, Khan Daun PenhPhnom Penh, CambodiaN/A
Data approved: 2010-09-22
Data version: 1
Age of data: -   months 
Choose version

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addressN/A
Year established1993
Head of InstitutionMr. In Channy
Regions active0
# Branches223

Total Portfolio (nat'l)N/A
Total Portfolio (USD)N/A
Active clients with loans214,337
Approximate % female clientsN/A
Approximate % urban clientsN/A
Network affiliations
Funders

Loan Products » Summary

Micro KHR
122,639 Borrowers
USD 42,590,000 Portfolio
Active Product
Micro USD
18,000 Borrowers
USD 12,190,380 Portfolio
Active Product
Micro THB
5,906 Borrowers
USD 3,355,272.72 Portfolio
Active Product
Small KHR
1,957 Borrowers
USD 3,253,134.31 Portfolio
Active Product
Small USD
44,174 Borrowers
USD 96,807,109 Portfolio
Active Product
Small THB
1,937 Borrowers
USD 4,742,210.63 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro Loan (KHR) 0 - 6,000,000 0 40% - 60% 20% - 40% Business
Micro Loan (USD) 0 - 1,500 0 40% - 60% 20% - 40% Business
Micro Loan (THB) 0 - 60,000 0 40% - 60% 20% - 40% Business
Small Loan (KHR) KHR 6,000,001 - 39,999,999 0 40% - 60% 20% - 40% Business
Small Loan (USD) USD 1,501 - 9,999 0 40% - 60% 20% - 40% Business
Small Loan (THB) THB 60,001 - 399,999 0 40% - 60% 20% - 40% Business

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Loan (KHR) 2.5%-2.7% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% -1
Micro Loan (USD) 2.5%-2.7% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% -1
Micro Loan (THB) 2.5%-2.7% annual, Decl Bal 0 Fees 0 Ins None N/A 30.4% 30.4% 2
Small Loan (KHR) 2.5%-2.7% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% -1
Small Loan (USD) 1.8%-2.0% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% -1
Small Loan (THB) 2.5%-2.7% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% -1
Institution Price Graph
Microloan Products offered in KHR0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeBusinessLoan PurposeACLEDAInstitutionKH-001-V01-P01KH-001-V01-P04ProductKHCountry2010YearRange Number1Institution Data Version02,000,0004,000,0006,000,0008,000,000Loan Size (all)Full APR (int fee ins tax dep)> 30,00022,00015,0007,600800Number 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.
Microloan Products offered in USD0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeBusinessLoan PurposeACLEDAInstitutionKH-001-V01-P02KH-001-V01-P05ProductKHCountry2010YearRange Number1Institution Data Version01,0002,0003,000Loan Size (all)Full APR (int fee ins tax dep)> 8,8006,6004,4002,200200Number 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.
Microloan Products offered in THB0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeBusinessLoan PurposeACLEDAInstitutionKH-001-V01-P03KH-001-V01-P06ProductKHCountry2010YearRange Number1Institution Data Version020,00040,00060,00080,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 1,4001,10070030040Number 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
Caps / Zoom options
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
Loading...
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

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞