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Institution

VisionFund Cambodia #20, St. 71N/APhnom Penh, Phnom Penh479
Data approved: 2010-09-22
Data version: 1
Age of data: -   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: 132 months

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addressN/A
Year established2003
Head of InstitutionBora OmSeng
Regions active0
# Branches67

Total Portfolio (nat'l)N/A
Total Portfolio (USD)N/A
Active clients with loans85,172
Approximate % female clientsN/A
Approximate % urban clientsN/A
Network affiliations
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

57,274 Borrowers
USD 8,748,462.62 Portfolio
Active Product
1,695 Borrowers
USD 2,366,822.44 Portfolio
Active Product
3,558 Borrowers
USD 1,313,805.49 Portfolio
Active Product
18,759 Borrowers
USD 2,078,869.81 Portfolio
Active Product
2,041 Borrowers
USD 2,419,566.81 Portfolio
Active Product
2,342 Borrowers
USD 707,896.05 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
Agricultural Loan - Community Bank - USD USD 1 - 250 0 80% - 100% 0% - 20% Business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Agricultural Loan - Individual - USD USD 1,001 - 10,000 0 80% - 100% 60% - 80% Business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Agricultural Loan - Solidarity Group - USD USD 251 - 1,000 0 80% - 100% 20% - 40% Business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Small Business Loan - Community Bank - USD USD 1 - 250 0 80% - 100% 0% - 20% Business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Small Business Loan - Individual - USD USD 1,001 - 10,000 0 80% - 100% 60% - 80% Business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Small Business Loan - Solidarity Group - USD USD 251 - 1,000 0 80% - 100% 20% - 40% Business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training

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
Agricultural Loan - Community Bank - USD 2.9%-3.3% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% 0
Agricultural Loan - Individual - USD 1.9%-3.0% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% 0
Agricultural Loan - Solidarity Group - USD 2.8%-3.3% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% 0
Small Business Loan - Community Bank - USD 2.9%-3.3% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% 0
Small Business Loan - Individual - USD 1.9%-3.0% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% 0
Small Business Loan - Solidarity Group - USD 2.8%-3.3% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% 0

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
Agricultural Loan - Community Bank - USD 2.9%-3.3% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% 0
Agricultural Loan - Individual - USD 1.9%-3.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% 0
Agricultural Loan - Solidarity Group - USD 2.8%-3.3% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% 0
Small Business Loan - Community Bank - USD 2.9%-3.3% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% 0
Small Business Loan - Individual - USD 1.9%-3.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% 0
Small Business Loan - Solidarity Group - USD 2.8%-3.3% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% 0

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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Key Statistics
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