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Institution

Incubadora de Microempresas Productivas Calle Manuel Ergueta Nº 1741, MorilloLa Paz, Bolivia
Data approved: 2013-09-10
Data version: 2
Age of data: 69 months

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: 79 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.improbolivia.org/
Year established1995
Head of InstitutionJosé Jimenez M.
Regions activeLa Paz
# Branches1

Total Portfolio (nat'l)BOB 19,617,663.83
Total Portfolio (USD)USD 2,906,320.57
Active clients with loans2,413
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsFINRURAL
Funders

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

Loan Products » Summary

990 Borrowers
USD 1,111,074.74 Portfolio
Active Product
216.50 Borrowers
USD 331,768.96 Portfolio
Active Product
990 Borrowers
USD 1,111,074.50 Portfolio
Active Product
216.50 Borrowers
USD 331,769 Portfolio
Active Product

Loan Products » Summary

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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Línea de Créditos de Fomento BOB 300 - 21,000 4 - 24 40% - 60% 60% - 80% Business, Agriculture, Education Women, Men, Have business Credit Ins, Tech Asst Visits
Programa de Vivienda y Mejoramiento del Habitat BOB 300 - 10,000 6 - 24 40% - 60% 60% - 80% Housing, Other Women, Men, Have home or land Credit Ins, Tech Asst Visits
Línea de Créditos de Fomento (USD) USD 50 - 3,100 4 - 24 40% - 60% 60% - 80% Business, Agriculture, Education Women, Men, Have business Credit Ins, Tech Asst Visits
Programa de Vivienda y Mejoramiento del Habitat (USD) USD 50 - 1,500 6 - 24 40% - 60% 60% - 80% Business, Agriculture, Education Women, Men, Have business Credit Ins, Tech Asst Visits

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 » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Línea de Créditos de Fomento 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins None N/A 25.5% - 28% 26.1% - 28.5% 53
Programa de Vivienda y Mejoramiento del Habitat 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins None N/A 19.8% - 28.6% 20.4% - 29.2% 56
Línea de Créditos de Fomento (USD) 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins None N/A 19.8% - 40.4% 20.4% - 40.9% 53
Programa de Vivienda y Mejoramiento del Habitat (USD) 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins None N/A 27.8% - 33.8% 28.4% - 34.3% 46

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
Línea de Créditos de Fomento 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 25.5% - 28% 26.1% - 28.5% 53
Programa de Vivienda y Mejoramiento del Habitat 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 19.8% - 28.6% 20.4% - 29.2% 56
Línea de Créditos de Fomento (USD) 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 19.8% - 40.4% 20.4% - 40.9% 53
Programa de Vivienda y Mejoramiento del Habitat (USD) 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 27.8% - 33.8% 28.4% - 34.3% 46

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
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