2. ID-Ghana
Please note that the information you are viewing is 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. AB Bank
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

Initiative Development-Ghana FNGO Head OfficeStephens Close, Dansoman SNNIT Flats, Opposite Block 15Accra, Greater AccraP.O. Box GP 19382
Data approved: 2013-02-19
Data version: 2
Age of data: 144 months
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Institution

AB Bank Zambia Chainda Place, Off Cairo RoadLusaka
Data approved: 2012-03-30
Data version: 1
Age of data: 168 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.idghana.org/
Year established1998
Head of InstitutionStephen Mawuli Kwesi Dugbazah
Regions activeGreater Accra Region
# Branches5

Total Portfolio (nat'l)GHS 1,879,142
Total Portfolio (USD)USD 953,879.19
Active clients with loans5,689
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsGHAMFIN, ASSFIN, AMT
FundersEntrepreneurs du Monde, Air Liquide, TECHNIP, French Embassy

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addressN/A
Year established2011
Head of InstitutionMichael Barleon
Regions active
# Branches1

Total Portfolio (nat'l)ZMK 4,225,572,000
Total Portfolio (USD)USD 816,535.65
Active clients with loans738
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsBankers Association of Zambia
FundersInternational Finance Corporation (IFC), European Investment Bank (EIB), Incofin, KfW

Loan Products » Summary

Front Desk
277 Borrowers
USD 38,994.42 Portfolio
Active Product
Kick Start
138 Borrowers
USD 3,205.08 Portfolio
Active Product
Onipa Nua
5,274 Borrowers
USD 911,679.19 Portfolio
Active Product

Loan Products » Summary

Biz Flexi
193 Borrowers
USD 125,516.70 Portfolio
Active Product
Biz Plus
134 Borrowers
USD 182,329.08 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Front Desk GHS 100 - 5,000 3 - 9 80% - 100% 80% - 100% Business Women, Men, Have business Credit Educ, Business Training, Other Training, Life skill training, counciling, and referral services.
Kick Start GHS 20 - 200 6 80% - 100% 80% - 100% Business Women Credit Educ, Group Mtgs, Business Training, Other Training, Life skill training, counciling, and referral services.
Onipa Nua (Each other's keepers) GHS 100 - 5,000 3 - 9 80% - 100% 80% - 100% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training, Other Training, Life skill training, counciling, and referral services.

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
AB Business Flexi ZMK 1,000,000 - 5,000,000 3 - 20 40% - 60% 40% - 60% Business Women, Men, Have business, Zambian Resident, At least 21 years Credit Educ, Business Training
AB Business Plus ZMK 5,000,001 - 15,000,000 3 - 20 40% - 60% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Front Desk 36.0% annual, Flat 1 Fee 0 Ins None N/A 68.9% - 74.9% 68.9% - 74.9% 49
Kick Start 0.0% annual, Flat 0 Fees 0 Ins None N/A 0% 0% 100
Onipa Nua (Each other's keepers) 36.0% annual, Flat 1 Fee 0 Ins None N/A 70.3% - 71.2% 70.3% - 71.2% 50

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
AB Business Flexi 72.0% annual, Decl Bal 1 Fee 0 Ins None N/A 79.3% - 81.7% 79.3% - 81.7% 89
AB Business Plus 69.0% annual, Decl Bal 1 Fee 0 Ins None N/A 74.5% - 78.8% 74.5% - 78.8% 91

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Front Desk 36.0% annual, Flat 1 Fee 0 Ins Ins None N/A 68.9% - 74.9% 68.9% - 74.9% 49
Kick Start 0.0% annual, Flat 0 Fees 0 Ins Ins None N/A 0% 0% 100
Onipa Nua (Each other's keepers) 36.0% annual, Flat 1 Fee 0 Ins Ins None N/A 70.3% - 71.2% 70.3% - 71.2% 50

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
AB Business Flexi 72.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 79.3% - 81.7% 79.3% - 81.7% 89
AB Business Plus 69.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 74.5% - 78.8% 74.5% - 78.8% 91
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeID-GhanaInstitutionGH-025-V02-P01GH-025-V02-P02GH-025-V02-P03ProductGHCountry2013YearRange Number2Institution Data Version05001,0001,5002,0002,5003,000Loan Size (all)0%20%40%60%80%Full APR (int fee ins tax dep)> 3,6002,7001,800900100Number of Borrowers
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankInstitution TypeBusinessLoan PurposeAB BankInstitutionZM-001-V01-P01ZM-001-V01-P04ProductZMCountry2012YearRange Number1Institution Data Version05,000,00010,000,00015,000,000Loan Size (all)0%20%40%60%80%Full APR (int fee ins tax dep)> 40203Number 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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Key Statistics
# Samples:
# Products
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# 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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