| Institution Type | RurBank |
| Is this institution regulated? | Yes |
| Website address | http://adaemensah@yahoo.co.uk |
| Year established | 1982 |
| Head of Institution | C.K Ablerdu |
| Regions active | Ashanti Region |
| # Branches | 9 |
| Total Portfolio (nat'l) | GHS 12,511,356 |
| Total Portfolio (USD) | USD 6,350,942.13 |
| Active clients with loans | 4,013 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | ARB Apex, GHAMFIN |
| Funders | SPEED Ghana, MiDA, MASLOC |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 2001 |
| Head of Institution | Bernardo Luis Tembe |
| Regions active | Maputo Capital, Maputo Province |
| # Branches | 7 |
| Total Portfolio (nat'l) | MZN 89,981,867.66 |
| Total Portfolio (USD) | USD 2,959,929.86 |
| Active clients with loans | 5,382 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | AMOMIF, AFRACA |
| Funders | Ford Foundation, DNPDR/UNCDF, FARE, Oxfam/Novib |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Commercial Loan | GHS 500 - 90,000 | 6 - 18 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business | Group Mtgs, Credit Ins, Other Training | |||||||
| Salary Loan | GHS 200 - 6,000 | 6 - 18 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Salaried worker | Credit Educ, Group Mtgs, Credit Ins, Other Training | |||||||
| Susu Loan | GHS 50 - 20,000 | 3 - 12 | 60% - 80% | 40% - 60% | Business, Housing, Consumer, Education, Other | Women, Men, Have business, Must have conttributed savings depsoit for at least 3 months. | Credit Educ, Group Mtgs, Credit Ins, Other Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Comercio & Servicos | MZN 1,500 - 350,000 | 4 - 18 | 60% - 80% | 0% - 20% | Business | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
| Credito Agro-pecuaria/ Agro-negocios | MZN 1,500 - 200,000 | 6 - 18 | 40% - 60% | 0% - 20% | Business, Agriculture | Women, Men, Have business, Have home or land | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Other Training | |||||||
| Credito Habitacao e Bens de consumo | MZN 1,500 - 600,000 | 6 - 18 | 40% - 60% | 0% - 20% | Business, Housing, Consumer, Education, Other | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Commercial Loan | 28.00% annual, Flat | 1 Fee | 0 Ins | None | 30.00% upfront | 53% - 56.8% | 97.1% - 106.4% | 27 | ||||||||
| Salary Loan | 30.00% annual, Flat | 1 Fee | 0 Ins | None | N/A | 54.2% - 77.7% | 54.2% - 77.7% | 48 | ||||||||
| Susu Loan | 28.00% annual, Flat | 1 Fee | 0 Ins | None | 50.00% upfront | 51.9% - 56.3% | 179.5% - 210.9% | 14 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Comercio & Servicos | 55.2% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 50% - 53.6% | 52.1% - 55.8% | 100 | ||||||||
| Credito Agro-pecuaria/ Agro-negocios | 34.8% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 30.5% - 35% | 32.5% - 37% | 100 | ||||||||
| Credito Habitacao e Bens de consumo | 50.4% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 43.7% - 49.3% | 45.9% - 51.5% | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Commercial Loan | 28.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 30.00% upfront | 53% - 56.8% | 97.1% - 106.4% | 27 | ||||||||
| Salary Loan | 30.00% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 54.2% - 77.7% | 54.2% - 77.7% | 48 | ||||||||
| Susu Loan | 28.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 50.00% upfront | 51.9% - 56.3% | 179.5% - 210.9% | 14 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Comercio & Servicos | 55.2% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 50% - 53.6% | 52.1% - 55.8% | 100 | ||||||||
| Credito Agro-pecuaria/ Agro-negocios | 34.8% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 30.5% - 35% | 32.5% - 37% | 100 | ||||||||
| Credito Habitacao e Bens de consumo | 50.4% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 43.7% - 49.3% | 45.9% - 51.5% | 100 |
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| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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