Loan Conditions

Loan Amount

Currency	USD
Minimum loan size	USD 400
Maximum loan size	8,000

Distribution at Disbursement (Est.)

Loans less than USD 1,500	30%
USD 1,500-5,000	50%
USD 5,000-10,000	20%
USD 10,000-15,000	0
USD 15,000-18,000	0
Greater than USD 18,000	0

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	18.0 months
Approx average	11.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	15%
Between 7 and 9 months	15%
Between 10 and 12 months	50%
Between 13 and 18 months	20%
Longer than 18 months	0

Grace Period

Grace period usage	100%
Average grace period	4.0 months

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount

Currency	GHS
Minimum loan size	GHS 10,000
Maximum loan size	100,000

Distribution at Disbursement (Est.)

Loans less than GHS 1,000	0
GHS 1,000-5,000	0
GHS 5,000-7,500	0
GHS 7,500-10,000	0
GHS 10,000-13,000	30%
Greater than GHS 13,000	30%

Loan Term and Grace Period

Shortest loan term	10.0 months
Longest loan term	37.0 months
Approx average	16.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	0
Between 7 and 9 months	0
Between 10 and 12 months	30%
Between 13 and 18 months	30%
Longer than 18 months	40%

Grace Period

Grace period usage	100%
Average grace period	1.0 month

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Upfront Fees

	Fee 1
Description	Commission fee
% of loan amount - min	2.00%
% of loan amount - max	3.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	Yes

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Insurance Fee
% of loan amount - min	1.00%
% of loan amount - max	1.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	Yes

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/A
Is deposit indicated on the repayment schedule?	N/A
Do borrowers control deposit in their group?	N/A

Deposit BEFORE or AT Disbursement

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?

No

Additional Comments

Viator provides Agricultural Loan soft (USD) with interest rate 2.4% only for clients who are in the 10th cycle and for the clients who have finished 2 business courses training of the FINLED (Financial Literacy and Education) program provided by Viator HRDP Department. For those clients who avail loan less than 2,000 USD Viator shoulders the Credit Bureau fee of 1 AZN.

Pricing Information

Interest

Upfront Fees

	Fee 1		Fee 2
Description	Processing Fee		Application Fee
% of loan amount - min	3.50%		0
% of loan amount - max	3.50%		0
OR, Fixed amount - min	0		3
Fixed amount - max	0		3
Reason for variation	N/A		N/A
Appears on Repayment Sched?	No		No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

	Ins 1
Description	Insurance Fee
% of loan amount - min	1.00%
% of loan amount - max	1.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	1% of total loan amount, divided and charged equally throughout loan term.
Appears on Repayment Sched?	Yes

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?	No
Do borrowers control deposit in their group?	No

Deposit BEFORE or AT Disbursement

% loan amount deposited	0 - 10.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	0
Conditions on access to deposit	End Term

Interest Paid on Deposit

Minimum interest rate paid	0
Maximum interest rate paid	3.00%
Interest payment frequency	End Term

Taxes

Are taxes charged on this product?

No

Additional Comments

Loans below 10,000 GHS: 10% compulsory depsoit requirement. 10,000 GHS and above: no requirement. Interest paid on deposit rule - If amount deposited is less than 1,000 GHS, 0% interest. If amount depsoited is 1,000 GHS or more, 3% interest.

Agricultural Loan USD Price Graphs

ISME / Edufinance Price Graphs