Institution # Borrowers Portfolio (US$) Products Age of Data
ACLEDA235,200215,086,0006160
AMK288,20063,784,00016131
AMRET299,500149,542,0008131
Chamroeun48,1007,480,0004112
Farmer Finance200407,0001131
First Finance5005,819,0001131
HKL73,40093,842,0003131
KREDIT61,80059,319,0009131
Maxima2,9003,179,0003131
PRASAC138,500251,931,0009131
Seilanithih15,2007,516,0005131
SPN35,10029,828,0006131
TPC120,00045,931,00013131
VF Cambodia148,60048,984,00018131
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

AIDEZ Small Project International HSN C191/18, AbelemkpeAccra, Greater AccraNB29, Accra
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 

Product

Individual Loan Product 3 of 5 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 3,602
Portfolio (USD)USD 2,401
Active Clients with Loans200
Approximate % Female Clients60% - 80%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
This loan is given to individual clients beyond the group lending processes with specific needs. Usually the amount is higher than the group lending one\r
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Otherthe purpose must be reasonal
Other (2)provide a guarantor
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
OtherEnterpise development, financial mangement
Other (2)Health Education in malaria, TB HIV/AIDS prevention and treatment
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 900
Maximum loan size2,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage100%
Average grace period2.0 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest3.50%
Highest quoted nominal interest3.50%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Loan
% of loan amount - min4.00%
% of loan amount - max4.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00% - N/A
or, Fixed-amount deposited0 - N/A
Deposits DURING period payments
% loan amount deposited0 - N/A
or, Fixed-amount deposited0 - N/A
Conditions on access to deposit
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Individual Loan samples
Sample 1Sample 2
Loan AmountGHS 1,000GHS 1,500
Loan Cycle (1, 2, 3, etc)12
Disbursement Date2013-01-032013-01-12
Loan Term (Months)3.7 months2.8 months
Grace Period (Months)2.0 months0.0 months
Total Cost of CreditNot KnownNot Known
True Price by Comp   
Interest and Fee Component87.1%83.1%
Insurance Component0.0%0.0%
Tax Component0.0%0.0%
Deposit Component39.7%36.7%
Full APR (int fee ins tax dep)126.9%119.8%
Transparency Index3335
    
Original Repayment SchedulePDFPDF
MFT Pricing CalculationPDFPDF
Individual Loan Price Graphs


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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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