Institution

Cooperativa de Ahorra y Credito Cooprogreso Av. Manuel Córdova Galarza 9380 y Bogotá PomasquiQuito, Pichincha593
Data approved: 2010-11-22
Data version: 1
Age of data: 163 months

Institution

Calvary Enterprise Development Foundation Head OfficeMamprobi, Accra, Greater AccraP.O. Box MP 2468
Data approved: 2013-03-18
Data version: 2
Age of data: 132 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addressN/A
Year established1963
Head of InstitutionIVAN TOBAR
Regions active
# Branches21

Total Portfolio (nat'l)USD 88,130,099
Total Portfolio (USD)USD 88,130,099
Active clients with loans22,154
Approximate % female clients20% - 40%
Approximate % urban clients60% - 80%
Network affiliations
Funders

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.cedefgh.wix.com/cedef
Year established2006
Head of InstitutionMagnus Amoa-Bosompem
Regions activeGreater Accra Region, Central Region, Eastern Region
# Branches1

Total Portfolio (nat'l)GHS 106,980
Total Portfolio (USD)USD 54,304.57
Active clients with loans535
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsASSFIN, GHAMFIN, Financieros sin Fronteras
Funders

Loan Products » Summary

500 Borrowers
USD 22,845,920 Portfolio
Active Product
5,400 Borrowers
USD 638,600 Portfolio
Active Product
2,020 Borrowers
USD 8,509,955 Portfolio
Active Product
61 Borrowers
USD 250,461 Portfolio
Active Product

Loan Products » Summary

150 Borrowers
USD 23,604.06 Portfolio
Active Product
50 Borrowers
USD 7,614.21 Portfolio
Active Product
50 Borrowers
USD 6,385.79 Portfolio
Active Product
285 Borrowers
USD 16,700.51 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
CNMPE USD 600 - 8,000 12 - 36 20% - 40% 80% - 100% Any Purpose Women, Men, Salaried worker, Specific age group Credit Ins
MICM USD 200 - 20,000 8 - 10 80% - 100% 20% - 40% Any Purpose Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits
MICON USD 600 - 20,000 6 - 36 20% - 40% 60% - 80% Any Purpose Women, Men, Have business Credit Ins
MICPE USD 600 - 8,000 2 - 36 20% - 40% 40% - 60% Business 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
Agricultural Production Credit GHS 1,000 - 1,000 8 - 12 60% - 80% 0% - 20% Business Women, Men, Must have farming experience Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Training on Agricultural Best Practices
Apprenticeship Start-up Credit Program GHS 500 - 1,000 6 - 12 80% - 100% 40% - 60% Business, Start-up businesses Women, Men, Specific age group, Must be in youth age group Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Efficient Energy Credit Program GHS 200 - 1,000 3 - 6 80% - 100% 0% - 20% Consumer Women, Men Credit Educ, Group Mtgs, Tech Asst Visits, Workshop/training orientation demonstration
Micro Enterprise Development GHS 100 - 3,000 6 - 12 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, 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
CNMPE 15.2% annual, Decl Bal 1 Fee 0 Ins None 1.5% upfront 15.4% - 16.1% 16.4% - 16.5% 92
MICM 25.7% annual, Decl Bal 1 Fee 0 Ins None 3.0% upfront 26.1% - 29.6% 29.2% - 33.7% 84
MICON 22.8% annual, Decl Bal 1 Fee 0 Ins None 3.00% ongoing 21.4% - 24.4% 23.1% - 25.5% 92
MICPE 24.5% annual, Decl Bal 1 Fee 0 Ins None 3.0% upfront 22.7% - 24.8% 24.5% - 26.7% 93

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Production Credit 30.00% annual, Decl Bal 0 Fees 0 Ins None N/A 23.8% - 25.1% 23.8% - 25.1% 100
Apprenticeship Start-up Credit Program 48.00%-54.00% annual, Decl Bal 0 Fees 0 Ins None N/A 40.5% - 41.9% 40.5% - 41.9% 100
Efficient Energy Credit Program 36.00%-54.00% annual, Decl Bal 0 Fees 0 Ins None N/A 49.8% 49.8% 72
Micro Enterprise Development 36.00%-54.00% annual, Decl Bal 0 Fees 0 Ins None N/A 40.8% - 41.5% 40.8% - 41.5% 87

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
CNMPE 15.2% annual, Decl Bal 1 Fee 0 Ins Ins None 1.5% upfront 15.4% - 16.1% 16.4% - 16.5% 92
MICM 25.7% annual, Decl Bal 1 Fee 0 Ins Ins None 3.0% upfront 26.1% - 29.6% 29.2% - 33.7% 84
MICON 22.8% annual, Decl Bal 1 Fee 0 Ins Ins None 3.00% ongoing 21.4% - 24.4% 23.1% - 25.5% 92
MICPE 24.5% annual, Decl Bal 1 Fee 0 Ins Ins None 3.0% upfront 22.7% - 24.8% 24.5% - 26.7% 93

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Production Credit 30.00% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 23.8% - 25.1% 23.8% - 25.1% 100
Apprenticeship Start-up Credit Program 48.00%-54.00% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 40.5% - 41.9% 40.5% - 41.9% 100
Efficient Energy Credit Program 36.00%-54.00% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 49.8% 49.8% 72
Micro Enterprise Development 36.00%-54.00% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 40.8% - 41.5% 40.8% - 41.5% 87
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Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
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