2. Nwabiagya RB
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. SISDO
Please note that the information you are viewing is 146 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

NWABIAGYA RURAL BANK LIMITED BOX B170KUMASI, ASHANTI REGION233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
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Institution

Smallholder Irrigation Schemes Development Organization (SISDO) P.O. Box 76622Nairobi
Data approved: 2013-06-25
Data version: 2
Age of data: 146 months
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Product

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Product

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Product Summary

Number borrowers706
Loan Amount (range)GHS 200 - 1,500
Loan Term (range)4 - 12
Other Services (text summary)Credit Educ, Group Mtgs, Tech Asst Visits
Annual Interest & Method29.0% annual, Flat
Fees2.00% upfront
Insurance1.00% upfront
TaxNone
Comp Dep20.0% upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component99.0% - 109.1% (Int+Fee)
Insurance Component1.9% - 5.8%
Tax Component Range0
Full APR (int fee ins tax dep)160.7% - 182.8%
Transparency Index (min/max)8 - 40
Transparency Index (average)16

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 217,299.87
Portfolio (USD)USD 144,866.58
Active Clients with Loans706
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
THIS IS A GROUP-BASED LOAN. This is a character based loan because it is only the members who guarantee loans for each other.\r
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business training
Other training
OtherGROUP TAKEN THROUGH A PREDEFINED TRAINING MODULE
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details


This product either has less than 50 active borrowers or less than 10 loan disbursements over the past 9 months. MFTransparency presents basic data rather than full data for low volume products
Key Statistics
Outstanding portfolio (KES)KES 7,165,239.08
Portfolio (USD)USD 86,536.70
Active Clients with Loans37
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Description
Targets clients who have graduated from group loans and have viable enterprises.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution5
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 200
Maximum loan size1,500
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeksx
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 interest29.00%
Highest quoted nominal interest29.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCommitment fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance for disability and death
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00% - N/A
or, Fixed-amount deposited0 - N/A
Deposits DURING period payments
% loan amount deposited0 - N/A
or, Fixed-amount deposited0 - N/A
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid4.00%
Maximum interest rate paid4.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Full Pricing Data

Group Lending samples
Sample 1Sample 2Sample 3
Loan AmountGHS 250GHS 700GHS 1,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-03-182013-03-182013-03-18
Loan Term (Months)6.0 months6.0 months6.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component109.1%108.3%99.0%
Insurance Component5.8%5.8%5.4%
Tax Component0.0%0.0%0.0%
Deposit Component67.8%67.4%56.4%
Full APR (int fee ins tax dep)182.8%181.5%160.7%
Transparency Index161618
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Group Lending Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Public \'For Profit\'Institution TypeMultipleLoan PurposeNwabiagya RBInstitutionGH-035-V01-P01ProductGHCountry2011YearRange Number1Institution Data Version02004006008001,000Loan Size (all)0%50%100%150%200%Full APR (int fee ins tax dep)> 30010020Number 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
# 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
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