2. TCCU
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. Dire
Please note that the information you are viewing is 162 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Tamale Community Credit Union Head OfficeTamale, Northern Region
Data approved: 2013-04-29
Data version: 2
Age of data: 144 months
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Institution

Dire Microfinance Head OfficeDire DawaPO Box 2859
Data approved: 2011-12-23
Data version: 1
Age of data: 162 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addressN/A
Year established2004
Head of InstitutionAkaare Emmanuel
Regions activeNorthern Region
# Branches1

Total Portfolio (nat'l)GHS 64,800
Total Portfolio (USD)USD 32,893.40
Active clients with loans145
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliationsCUA, GHAMFIN
FundersSENDFINCO (SEND Ghana)

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1996
Head of InstitutionSentayehu Ketema
Regions active
# Branches9

Total Portfolio (nat'l)ETB 17,886,789
Total Portfolio (USD)USD 972,108.10
Active clients with loans5,015
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsAEMFI, MAIN
Funders

Loan Products » Summary

Business
89 Borrowers
USD 16,243.65 Portfolio
Active Product
Microfinance
52 Borrowers
USD 7,614.21 Portfolio
Active Product
Provident
4 Borrowers
USD 9,035.53 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 » Summary

Consumption
317 Borrowers
USD 88,673.91 Portfolio
Active Product
Group
4,437 Borrowers
USD 534,575 Portfolio
Active Product
Individual
187 Borrowers
USD 152,923.91 Portfolio
Active Product
Housing
38 Borrowers
USD 52,092.39 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
Business Loan GHS 150 - 10,000 1 - 18 40% - 60% 20% - 40% Business Women, Men, Have business Group Mtgs
Microfinance Loan GHS 120 - 250 4 80% - 100% 0% - 20% Business Women, must be in a group and in the community Credit Educ, Group Mtgs

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Consumption Loan ETB 2,000 - 10,000 12 - 24 20% - 40% 80% - 100% Any Purpose Women, Men, Salaried worker Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Group Loan ETB 2,500 - 10,000 1 - 12 60% - 80% 80% - 100% Any Purpose Women, Men Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Individual Loan ETB 2,500 - 80,000 12 - 36 60% - 80% 80% - 100% Any Purpose Women, Men Credit Educ, Tech Asst Visits, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 36.00% annual, Decl Bal 1 Fee 1 Ins None 50.00% upfront 38.1% - 40.2% 162.3% - 175.1% 21
Microfinance Loan 30.00% annual, Flat 1 Fee 0 Ins None N/A- upfront 60.9% - 63.6% 63% - 69.5% 45

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumption Loan 10.0% annual, Decl Bal 1 Fee 0 Ins None N/A 18.1% - 22.1% 18.1% - 22.1% 51
Group Loan 11.5% annual, Decl Bal 1 Fee 0 Ins None N/A 24.2% - 24.5% 24.2% - 24.5% 47
Individual Loan 11.5% annual, Decl Bal 1 Fee 0 Ins None N/A 21.2% - 24.3% 21.2% - 24.3% 51

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 36.00% annual, Decl Bal 1 Fee 1 Ins Ins None 50.00% upfront 38.1% - 40.2% 162.3% - 175.1% 21
Microfinance Loan 30.00% annual, Flat 1 Fee 0 Ins Ins None N/A- upfront 60.9% - 63.6% 63% - 69.5% 45

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumption Loan 10.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 18.1% - 22.1% 18.1% - 22.1% 51
Group Loan 11.5% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 24.2% - 24.5% 24.2% - 24.5% 47
Individual Loan 11.5% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 21.2% - 24.3% 21.2% - 24.3% 51
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoopInstitution TypeBusinessLoan PurposeTCCUInstitutionGH-042-V02-P01GH-042-V02-P02ProductGHCountry2013YearRange Number2Institution Data Version02,0004,0006,0008,000Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 50203Number of Borrowers
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeAnyLoan PurposeDireInstitutionET-006-V01-P01ET-006-V01-P02ET-006-V01-P04ProductETCountry2011YearRange Number1Institution Data Version010,00020,00030,00040,00050,000Loan Size (all)0%10%20%Full APR (int fee ins tax dep)> 2,2001,6001,10050060Number 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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