2. EASL
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  2. LKL
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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: 144 months

Institution

Micro Kenya P.o.Box 52926 00200Nairobi, Kenya200
Data approved: 2010-06-23
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.eb-accion.com
Year established2008
Head of InstitutionMrs. Frances Adu-Mante
Regions activeGreater Accra Region, Ashanti Region, Brong Ahafo Region
# Branches8

Total Portfolio (nat'l)GHS 23,675,529
Total Portfolio (USD)USD 12,018,035.03
Active clients with loans9,401
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsGhana Association of Savings and Loans Companies, GHAMFIN
FundersEcobank Ghana Ltd, Ecobank Transitional Inc, ACCION International, IFC

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.microafricagroup.com/
Year established2000
Head of InstitutionTimothy Carson
Regions active0
# Branches4

Total Portfolio (nat'l)KES 118,000,000
Total Portfolio (USD)USD 1,425,120.77
Active clients with loans3,025
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Loan Products » Summary

Nkosuo
4,497 Borrowers
USD 2,295,303.05 Portfolio
Active Product
Express
880 Borrowers
USD 341,065.99 Portfolio
Active Product
Adwuma
2,755 Borrowers
USD 3,563,691.80 Portfolio
Active Product
Plus
265 Borrowers
USD 1,406,775.42 Portfolio
Active Product
SME
398 Borrowers
USD 3,727,540.98 Portfolio
Active Product
Group
407 Borrowers
USD 75,230.26 Portfolio
Active Product

Loan Products » Summary

Biashara
560 Borrowers
USD 543,478.26 Portfolio
Active Product
Group Loan
3,200 Borrowers
USD 434,782.61 Portfolio
Active Product
MajiNyumbani
100 Borrowers
USD 12,077.29 Portfolio
Active Product

Loan Products » Conditions

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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Biashara KES 100,000 - 500,000 3 - 12 20% - 40% 40% - 60% Business, Housing, Other, aimed at business expansions Women, Men, Have business, Have home or land, Must confirm having an on going business Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training
Group KES 3,000 - 100,000 3 - 12 60% - 80% 20% - 40% Any Purpose Women, Men, Have business, Must be known by the other members Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training
Maji Nyumbani KES 5,500 - 80,000 1 - 12 60% - 80% 0% - 20% Housing, Consumer, This loan is for the purchase of water tanks, the tanks can be for any use privately or business Women, Men Other Training

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Biashara 36.0% annual, Decl Bal 1 Fee 1 Ins None N/A 0% 0% N/A
Group 18.0% annual, Flat 1 Fee 1 Ins None 15.0% upfront 0% 0% N/A
Maji Nyumbani 19.9% annual, Flat 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
Nkosuo 48.0% annual, Flat 1 Fee 1 Ins Ins None 81.2% - 82.6% 83.9% - 120.9% 52
Micro Express 48.0% annual, Flat 1 Fee 1 Ins 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 Ins None 61.3% - 76.6% 68.3% - 78% 61
Micro Plus 42.0%-45.0% annual, Flat 1 Fee 1 Ins Ins None 74% - 76.6% 75.2% - 78.2% 54
SME 38.4%-42.0% annual, Flat 1 Fee 1 Ins Ins None 59.9% - 64.5% 60.7% - 66.9% 59
Group 48.0% annual, Flat 1 Fee 1 Ins Ins None 2.50-10.00 ongoing 74.1% - 77.1% 111.6% - 118.8% 41

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Biashara 36.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 0% 0% N/A
Group 18.0% annual, Flat 1 Fee 1 Ins Ins None 15.0% upfront 0% 0% N/A
Maji Nyumbani 19.9% annual, Flat 1 Fee 0 Ins Ins None N/A 0% 0% N/A
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessLoan PurposeEASLInstitutionGH-019-V01-P01GH-019-V01-P02GH-019-V01-P03GH-019-V01-P04GH-019-V01-P05GH-019-V01-P06ProductGHCountry2013YearRange Number1Institution Data Version05,00010,00015,00020,00025,00030,000Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 1,3001,00060030030Number of Borrowers
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