2. ACLEDA
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  2. OISL
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Institution

ACLEDA Bank Plc. #61, Preah Monivong Blvd.Sangkat Srah Chork, Khan Daun PenhPhnom Penh, CambodiaN/A
Data approved: 2011-02-02
Data version: 2
Age of data: 160 months
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Institution

Opportunity International Savings & Loans Ltd. P.O Box JT 323, Accra, GhanaNo. D765/3 Kwame Nkrumah AvenueAccra, Greater Accra233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.acledabank.com.kh/
Year established1993
Head of InstitutionMr. In Channy
Regions active
# Branches233

Total Portfolio (nat'l)KHR 889,996,000,000
Total Portfolio (USD)USD 225,315,443
Active clients with loans235,257
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliations
Funders

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.opportunityghana.com/
Year established2004
Head of InstitutionCosmus Juma Kowuoche
Regions active0
# Branches20

Total Portfolio (nat'l)GHS 24,784,265
Total Portfolio (USD)USD 16,522,843.33
Active clients with loans41,836
Approximate % female clients80% - 100%
Approximate % urban clients60% - 80%
Network affiliationsOpportunity International USA
FundersOpportunity Microfinance Investment Ltd, Opportunity Transformation Investment, Sinapi Aba Trust, Oikocredit

Loan Products » Summary

Micro KHR
139,997 Borrowers
USD 56,821,772.15 Portfolio
Active Product
Micro USD
26,191 Borrowers
USD 16,854,649 Portfolio
Active Product
Micro THB
7,344 Borrowers
USD 5,114,741.63 Portfolio
Active Product
Small KHR
5,221 Borrowers
USD 9,206,850.40 Portfolio
Active Product
Small USD
54,364 Borrowers
USD 120,849,087.90 Portfolio
Active Product
Small THB
2,140 Borrowers
USD 6,239,555.23 Portfolio
Active Product

Loan Products » Summary

Agriculture
536 Borrowers
USD 79,274 Portfolio
Active Product
Family
59 Borrowers
USD 40,122 Portfolio
Active Product
Group
37,299 Borrowers
USD 11,763,077 Portfolio
Active Product
Individual
2,711 Borrowers
USD 3,000,532 Portfolio
Active Product
ISME
74 Borrowers
USD 337,021 Portfolio
Active Product
Susu
791 Borrowers
USD 685,319 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro Loan (KHR) KHR 50,000 - 6,000,000 6 - 18 60% - 80% 0% - 20% Business Women, Men, Have business
Micro Loan (USD) USD 300 - 1,500 6 - 18 60% - 80% 0% - 20% Business Women, Men, Have business
Micro Loan (THB) THB 7,000 - 60,000 6 - 18 60% - 80% 0% - 20% Business Women, Men, Have business
Small Loan (KHR) KHR 6,000,001 - 39,999,999 6 - 24 40% - 60% 40% - 60% Business Women, Men, Have business, Have home or land
Small Loan (USD) USD 1,501 - 9,999 6 - 24 40% - 60% 40% - 60% Business Women, Men, Have business, Have home or land
Small Loan (THB) THB 60,001 - 399,999 6 - 24 40% - 60% 40% - 60% Business Women, Men, Have business, Have home or land

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan GHS 2,422 - 7,063 4 - 8 20% - 40% 0% - 20% Business, Farming Women, Men, Specific age group, Farmers Credit Educ
Salary Loan GHS 200 - 7,808 6 - 24 20% - 40% 0% - 20% Any Purpose Women, Men, Have business, Salaried worker Credit Educ, Credit Ins
Group Loan GHS 145 - 4,000 3 - 12 80% - 100% 60% - 80% Business Women, Men, Have business Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Individual Loan GHS 500 - 30,300 2 - 24 40% - 60% 0% - 20% Business Women, Men, Have business Credit Ins
ISME / Edufinance GHS 2,000 - 101,000 10 - 37 20% - 40% 80% - 100% Business, Education Women, Men, Have business Tech Asst Visits, Business Training
Susu Loan GHS 151 - 10,700 3 - 12 40% - 60% 0% - 20% Business Women, Men Credit Educ, Credit Ins, 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
Micro Loan (KHR) 28.8%-32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 30.4% - 32.9% 30.4% - 32.9% 89
Micro Loan (USD) 28.8%-32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 30.5% - 33% 30.5% - 33% 90
Micro Loan (THB) 28.8%-32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 30.4% - 33% 30.4% - 33% 91
Small Loan (KHR) 24.0%-28.8% annual, Decl Bal 0 Fees 0 Ins None N/A 26.8% - 29.2% 26.8% - 29.2% 87
Small Loan (USD) 18.0%-24.0% annual, Decl Bal 0 Fees 0 Ins None N/A 21.9% - 23.2% 21.9% - 23.2% 80
Small Loan (THB) 24.0%-28.8% annual, Decl Bal 0 Fees 0 Ins None N/A 29.2% - 29.3% 29.2% - 29.3% 82

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 36.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 44.3% - 44.4% 52% - 52.1% 69
Salary Loan 0.0%-42.0% annual, Decl Bal 2 Fees 0 Ins None 10.0% upfront 45.5% - 49.1% 54.9% - 61.5% 0
Group Loan 41.0% annual, Flat 2 Fees 1 Ins None 15.0% upfront 56.7% - 122% 76.9% - 161.4% 32
Individual Loan 42.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 73.7% - 77.5% 88.7% - 97.2% 45
ISME / Edufinance 33.2%-51.0% annual, Decl Bal 2 Fees 1 Ins None N/A 44.6% - 67.3% 46.3% - 69.4% 57
Susu Loan 33.2%-39.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 63.6% - 71.7% 77.8% - 89.1% 39

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Loan (KHR) 28.8%-32.4% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 30.4% - 32.9% 30.4% - 32.9% 89
Micro Loan (USD) 28.8%-32.4% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 30.5% - 33% 30.5% - 33% 90
Micro Loan (THB) 28.8%-32.4% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 30.4% - 33% 30.4% - 33% 91
Small Loan (KHR) 24.0%-28.8% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 26.8% - 29.2% 26.8% - 29.2% 87
Small Loan (USD) 18.0%-24.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 21.9% - 23.2% 21.9% - 23.2% 80
Small Loan (THB) 24.0%-28.8% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 29.2% - 29.3% 29.2% - 29.3% 82

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 36.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 44.3% - 44.4% 52% - 52.1% 69
Salary Loan 0.0%-42.0% annual, Decl Bal 2 Fees 0 Ins Ins None 10.0% upfront 45.5% - 49.1% 54.9% - 61.5% 0
Group Loan 41.0% annual, Flat 2 Fees 1 Ins Ins None 15.0% upfront 56.7% - 122% 76.9% - 161.4% 32
Individual Loan 42.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 73.7% - 77.5% 88.7% - 97.2% 45
ISME / Edufinance 33.2%-51.0% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 44.6% - 67.3% 46.3% - 69.4% 57
Susu Loan 33.2%-39.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 63.6% - 71.7% 77.8% - 89.1% 39
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Key Statistics
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# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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