| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.fubode.org/ |
| Year established | 1997 |
| Head of Institution | Luis Fernando Torrez Ontivero |
| Regions active | 0 |
| # Branches | 14 |
| Total Portfolio (nat'l) | BOB 55,864,393 |
| Total Portfolio (USD) | USD 8,276,206.37 |
| Active clients with loans | 15,461 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | VisionFund Internacional, FINRURAL |
| Funders | World Vision Suiza, World Vision Alemania, World Vision Estados Unidos, World Vision Canada |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.asp-i.org/asp-i/ |
| Year established | 2003 |
| Head of Institution | Moses O.T Owharo |
| Regions active | Greater Accra Region, Volta Region |
| # Branches | 0 |
| Total Portfolio (nat'l) | GHS 174,550 |
| Total Portfolio (USD) | USD 88,604.06 |
| Active clients with loans | 845 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | GHAMFIN, ASSFIN, Coalition of NGOs in Health, Microcredit summit campaign, USA |
| Funders | USAID, UBA, Zenith Bank, Ghana Commercial Bank |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Asociativo | USD 2,000 - 18,000 | 4 - 48 | 20% - 40% | 0% - 20% | Business | Women, Men, Have business, Have home or land | ||||||||
| Grupo Comunal (Banco Comunal) | BOB 500 - 14,500 | 4 - 8 | 60% - 80% | 40% - 60% | Business | Women, Men, Have business, Specific age group | Credit Educ, Group Mtgs, Other Training | |||||||
| Microcrédito de Vivienda | USD 1,000 - 10,000 | 6 - 72 | 40% - 60% | 40% - 60% | Housing, Education, No se puede usar para negocio | Women, Men, Have business, Have home or land, Salaried worker | ||||||||
| Microcrédito Grupo Solidario | USD 150 - 1,500 | 4 - 18 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Tech Asst Visits | |||||||
| Microcrédito Productivo Individual (USD) | USD 200 - 10,000 | 4 - 48 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | GHS 400 - 15,000 | 4 - 24 | 40% - 60% | 0% - 20% | Business, Used for agricultural purposes | Women, Men, Have business, Must own a farm or animals, fish, etc. | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Health Education, Technology Management | |||||||
| Individual Loan | GHS 100 - 3,000 | 3 - 12 | 60% - 80% | 40% - 60% | Business, Consumer, Education | Women, Men, Have business, Salaried worker, Must provide a guarantor | Credit Educ, Tech Asst Visits, Business Training, Health Education | |||||||
| SME Loan | GHS 1,500 - 5,000 | 4 - 8 | 80% - 100% | 60% - 80% | Business | Women, Men, Have business, Must be a graduate from a small group loan, Must provide guarantor | Credit Educ, Tech Asst Visits, Business Training | |||||||
| Petty Traders Loan (PTL) | GHS 50 - 2,000 | 3 - 12 | 80% - 100% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Asociativo | 15.0% annual, Decl Bal | 1 Fee | 0 Ins | 15.00% Principal | N/A | 15.5% - 24.4% | 15.6% - 24.8% | 76 | ||||||||
| Grupo Comunal (Banco Comunal) | 30.0%-33.6% annual, Flat | 1 Fee | 0 Ins | None | 10.0% upfront 14.00% ongoing | 56% - 68.7% | 56.4% - 96.3% | 41 | ||||||||
| Microcrédito de Vivienda | 16.0%-24.0% annual, Decl Bal | 1 Fee | 0 Ins | 15.00% Principal | N/A | 16.2% - 28.4% | 16.7% - 28.9% | 64 | ||||||||
| Microcrédito Grupo Solidario | 18.0%-30.0% annual, Decl Bal | 1 Fee | 0 Ins | 15.00% Principal | N/A | 21.1% - 34% | 21.3% - 34% | 63 | ||||||||
| Microcrédito Productivo Individual (USD) | 18.0%-30.0% annual, Decl Bal | 1 Fee | 0 Ins | 15.00% Principal | N/A | 31.6% - 32.6% | 31.7% - 33% | 55 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 48.00% annual, Flat | 1 Fee | 0 Ins | None | 15.00%-30.00% upfront | 93% - 112.1% | 137.1% - 163.9% | 32 | ||||||||
| Individual Loan | 48.00% annual, Flat | 1 Fee | 0 Ins | None | 20.00% upfront | 118.9% - 159.8% | 174.6% - 205.5% | 25 | ||||||||
| SME Loan | 48.00% annual, Flat | 1 Fee | 0 Ins | None | 15.00%-20.00% upfront | 107.9% - 136% | 157.9% - 182.6% | 28 | ||||||||
| Petty Traders Loan (PTL) | 48.00% annual, Flat | 1 Fee | 0 Ins | None | 20.00% upfront | 118.9% - 125.8% | 174.6% - 183.6% | 26 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Asociativo | 15.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 15.00% Principal | N/A | 15.5% - 24.4% | 15.6% - 24.8% | 76 | ||||||||
| Grupo Comunal (Banco Comunal) | 30.0%-33.6% annual, Flat | 1 Fee | 0 Ins Ins | None | 10.0% upfront 14.00% ongoing | 56% - 68.7% | 56.4% - 96.3% | 41 | ||||||||
| Microcrédito de Vivienda | 16.0%-24.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 15.00% Principal | N/A | 16.2% - 28.4% | 16.7% - 28.9% | 64 | ||||||||
| Microcrédito Grupo Solidario | 18.0%-30.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 15.00% Principal | N/A | 21.1% - 34% | 21.3% - 34% | 63 | ||||||||
| Microcrédito Productivo Individual (USD) | 18.0%-30.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 15.00% Principal | N/A | 31.6% - 32.6% | 31.7% - 33% | 55 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 48.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 15.00%-30.00% upfront | 93% - 112.1% | 137.1% - 163.9% | 32 | ||||||||
| Individual Loan | 48.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 20.00% upfront | 118.9% - 159.8% | 174.6% - 205.5% | 25 | ||||||||
| SME Loan | 48.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 15.00%-20.00% upfront | 107.9% - 136% | 157.9% - 182.6% | 28 | ||||||||
| Petty Traders Loan (PTL) | 48.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 20.00% upfront | 118.9% - 125.8% | 174.6% - 183.6% | 26 |
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