2. SAT
Please note that the information you are viewing is 145 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

Sinapi Aba Trust 22A Ellis Avenue Nhyiaeso, Near Capital Radio, KumasiPostal Office Box 4911, KumasiKUMASSI, 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) NairobiKenyaPO Box 76622
Data approved: 2010-09-14
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.sinapiaba.com/
Year established1994
Head of InstitutionAnthony Gyasi-Fosu
Regions active0
# Branches48

Total Portfolio (nat'l)GHS 34,500,000
Total Portfolio (USD)USD 23,000,000
Active clients with loans107,000
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsOpportunity Internal network, Ghamfin, Mix Market, Assfin
FundersBlue Orchard, Symbotics, Kolibre Capital, Tridos

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.sisdo.org/
Year established1991
Head of InstitutionJames N. Mwai
Regions active0
# Branches16

Total Portfolio (nat'l)KES 241,356,768
Total Portfolio (USD)USD 2,914,936.81
Active clients with loans9,804
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliations
Funders

Loan Products » Summary

Individual
1,950 Borrowers
USD 2,000,000 Portfolio
Active Product
School Loans
250 Borrowers
USD 600,000 Portfolio
Active Product
SME
600 Borrowers
USD 1,666,667 Portfolio
Active Product
Solidarity
45,900 Borrowers
USD 7,333,333 Portfolio
Active Product
Trust Bank
64,500 Borrowers
USD 8,666,667 Portfolio
Active Product

Loan Products » Summary

Asset
173 Borrowers
USD 34,668.82 Portfolio
Active Product
Daraja
681 Borrowers
USD 557,055.03 Portfolio
Active Product
Farm Input
885 Borrowers
USD 151,236.33 Portfolio
Active Product
Inua
7,139 Borrowers
USD 1,596,996.61 Portfolio
Active Product
School Fees
202 Borrowers
USD 20,875.19 Portfolio
Active Product
Zero Grazing
2,156 Borrowers
USD 444,858.02 Portfolio
Active Product
Individual
32 Borrowers
USD 83,607.56 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 1,000 - 5,000 6 - 12 80% - 100% 60% - 80%
School Loans GHS 1,000 - 10,000 6 - 24 20% - 40% 40% - 60%
SME GHS 5,000 - 50,000 6 - 12 60% - 80% 80% - 100%
Solidarity GHS 1,000 - 4,000 0.5 - 10 80% - 100% 0% - 20%
Trust Bank GHS 200 - 900 6 - 10 80% - 100% 0% - 20%

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Asset Financing Loan KES 20,000 - 50,000 3 - 12 40% - 60% 40% - 60% Business, Housing Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Daraja Loan KES 50,000 - 100,000 3 - 12 40% - 60% 0% - 20% Business, Only working capital Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Health Insurance - optional
Farm Inputs Loan KES 5,000 - 50,000 3 - 12 40% - 60% 0% - 20% Business Women, Men, Must be a farmer Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Inua Loan KES 5,000 - 50,000 3 - 12 40% - 60% 20% - 40% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Health insurance - optional
School Fees Loan KES 3,000 - 50,000 3 - 12 60% - 80% 40% - 60% Education Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Zero Grazing Loan KES 10,000 - 50,000 3 - 18 40% - 60% 20% - 40% Agriculture, Improvement to shed, purchase of cow, chaff-cutter Women, Men, Farmers only Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Health insurance - optional

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Individual 20.00%-0.00% annual, Flat 1 Fee 1 Ins 56.4% - 92% 69.3% - 113.1% 21
School Loans 20.00%-0.00% annual, Flat 0 Fees 0 Ins N/A 50.4% - 57.2% 50.4% - 57.2% 37
SME 36.00%-0.00% annual, Flat 1 Fee 1 Ins 57.3% - 86.7% 69.2% - 105.5% 43
Solidarity 22.00%-0.00% annual, Flat 2 Fees 1 Ins 84.4% - 88.6% 102.8% - 109.2% 20
Trust Bank 22.00%-0.00% annual, Flat 2 Fees 1 Ins 84.3% - 98.5% 104.3% - 122.6% 19

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Asset Financing Loan 15.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 100.00 ongoing #N/A #N/A N/A
Daraja Loan 18.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 250.00 ongoing #N/A #N/A N/A
Farm Inputs Loan 18.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 100.00 ongoing #N/A #N/A N/A
Inua Loan 18.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 100.00 ongoing #N/A #N/A N/A
School Fees Loan 12.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 50.00 ongoing #N/A #N/A N/A
Zero Grazing Loan 18.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 100.00 ongoing #N/A #N/A N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Individual 20.00%-0.00% annual, Flat 1 Fee 1 Ins Ins 56.4% - 92% 69.3% - 113.1% 21
School Loans 20.00%-0.00% annual, Flat 0 Fees 0 Ins Ins N/A 50.4% - 57.2% 50.4% - 57.2% 37
SME 36.00%-0.00% annual, Flat 1 Fee 1 Ins Ins 57.3% - 86.7% 69.2% - 105.5% 43
Solidarity 22.00%-0.00% annual, Flat 2 Fees 1 Ins Ins 84.4% - 88.6% 102.8% - 109.2% 20
Trust Bank 22.00%-0.00% annual, Flat 2 Fees 1 Ins Ins 84.3% - 98.5% 104.3% - 122.6% 19

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Asset Financing Loan 15.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 100.00 ongoing #N/A #N/A N/A
Daraja Loan 18.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 250.00 ongoing #N/A #N/A N/A
Farm Inputs Loan 18.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 100.00 ongoing #N/A #N/A N/A
Inua Loan 18.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 100.00 ongoing #N/A #N/A N/A
School Fees Loan 12.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 50.00 ongoing #N/A #N/A N/A
Zero Grazing Loan 18.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 100.00 ongoing #N/A #N/A N/A
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessEducationLoan PurposeSATInstitutionGH-041-V01-P01GH-041-V01-P02GH-041-V01-P03GH-041-V01-P04GH-041-V01-P05ProductGHCountry2011YearRange Number1Institution Data Version05,00010,00015,000Loan Size (all)0%50%100%Full APR (int fee ins tax dep)> 32,00024,00016,0008,000800Number 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
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Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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