2. SAT
Please note that the information you are viewing is 143 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. PEACE
Please note that the information you are viewing is 161 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Sinapi Aba Trust 22A Ellis Avenue Nhyiaeso, near Capital RadioKumasi, AshantiP.O. Box 4911
Data approved: 2013-03-13
Data version: 2
Age of data: 143 months
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Institution

Poverty Eradication and Community Empowerment Yeka SubcityKebele 11/12Addis Ababa, House Number 669PO Box 5743
Data approved: 2011-12-23
Data version: 1
Age of data: 161 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.sinapiaba.com/
Year established1994
Head of InstitutionAnthony Gyasi-Fosu
Regions activeGreater Accra Region, Central Region, Western Region, Eastern Region, Volta Region, Ashanti Region, Brong Ahafo Region, Northern Region, Upper East Region, Upper West Region
# Branches48

Total Portfolio (nat'l)GHS 57,838,603
Total Portfolio (USD)USD 29,359,696.95
Active clients with loans148,020
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsOpportunity International, GHAMFIN, Mix Market, ASSFIN
FundersBlue Orchard, Symbotics, Kolibre Capital, Tridos

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.peacemfi.org/
Year established1999
Head of InstitutionMr Tezera Kebede
Regions active
# Branches18

Total Portfolio (nat'l)ETB 44,682,307
Total Portfolio (USD)USD 2,428,386.25
Active clients with loans17,206
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsAEMFI, MAIN, WWB
FundersOxfam Novib, Ethio-Italian Development Cooperation, Agri Service Ethiopia, RUFIP

Loan Products » Summary

Individual
4,150 Borrowers
USD 1,078,246.19 Portfolio
Active Product
SME
519 Borrowers
USD 1,896,553.30 Portfolio
Active Product
Solidarity
45,929 Borrowers
USD 11,445,623.86 Portfolio
Active Product
Trust
97,009 Borrowers
USD 14,939,274.11 Portfolio
Active Product
School Loans
Retired Product

Loan Products » Summary

Agriculture
14,625 Borrowers
USD 2,245,525.44 Portfolio
Active Product
Non-Agri
2,581 Borrowers
USD 182,860.76 Portfolio
Active Product
Individual
47 Borrowers
USD 33,958.32 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Individual GHS 100 - 5,000 6 - 12 80% - 100% 60% - 80% Business, Housing, Education, Micro School, Special Agric Loan Women, Men, Have business Credit Educ, Group Mtgs, Business Training
SME GHS 5,000 - 50,000 6 - 12 60% - 80% 80% - 100% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Solidarity GHS 1,000 - 4,000 0.5 - 10 80% - 100% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Health Education
Trust Bank GHS 200 - 900 6 - 10 80% - 100% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Loan ETB 2,000 - 5,000 3 - 12 60% - 80% 0% - 20% Business, Agriculture Women, Men, Have business Group Mtgs, Tech Asst Visits, Business Training, Other Training, Savings training
Non-agricultural loan ETB 1,900 - 5,000 3 - 18 80% - 100% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training, Savings training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Individual 20.00%-40.00% annual, Flat 2 Fees 1 Ins None 10.00% upfront 64.3% - 75.8% 78.7% - 91.5% 22
SME 36.00%-40.00% annual, Flat 2 Fees 1 Ins None 10.00% upfront 56.6% - 76.6% 69.6% - 94.5% 43
Solidarity 22.00%-39.00% annual, Flat 2 Fees 1 Ins None 10.00% upfront 69.2% - 75.4% 84.8% - 93.1% 24
Trust Bank 22.00%-39.00% annual, Flat 2 Fees 1 Ins None 10.00% upfront 76.8% - 79.4% 94.4% - 97.8% 22

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 18.0% annual, Flat 1 Fee 0 Ins None 10.0% upfront 10.00% ongoing 20.1% - 20.2% 22% - 22.2% 81
Non-agricultural loan 15.0% annual, Flat 1 Fee 0 Ins None 10.0% upfront 30.7% - 30.8% 38.2% - 40.4% 38

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Individual 20.00%-40.00% annual, Flat 2 Fees 1 Ins Ins None 10.00% upfront 64.3% - 75.8% 78.7% - 91.5% 22
SME 36.00%-40.00% annual, Flat 2 Fees 1 Ins Ins None 10.00% upfront 56.6% - 76.6% 69.6% - 94.5% 43
Solidarity 22.00%-39.00% annual, Flat 2 Fees 1 Ins Ins None 10.00% upfront 69.2% - 75.4% 84.8% - 93.1% 24
Trust Bank 22.00%-39.00% annual, Flat 2 Fees 1 Ins Ins None 10.00% upfront 76.8% - 79.4% 94.4% - 97.8% 22

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 18.0% annual, Flat 1 Fee 0 Ins Ins None 10.0% upfront 10.00% ongoing 20.1% - 20.2% 22% - 22.2% 81
Non-agricultural loan 15.0% annual, Flat 1 Fee 0 Ins Ins None 10.0% upfront 30.7% - 30.8% 38.2% - 40.4% 38
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeSATInstitutionGH-041-V02-P01GH-041-V02-P03GH-041-V02-P04GH-041-V02-P05ProductGHCountry2013YearRange Number2Institution Data Version05,00010,00015,000Loan Size (all)0%20%40%60%80%100%Full APR (int fee ins tax dep)> 97,00072,00048,00024,0002,600Number of Borrowers
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessMultipleLoan PurposePEACEInstitutionET-013-V01-P01ET-013-V01-P03ProductETCountry2011YearRange Number1Institution Data Version01,0002,0003,0004,0005,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 7,3005,4003,6001,800200Number 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
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