- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Banco Solidario	79,700	221,716,000	1	163
CEPESIU	2,000	939,000	4	163
COAC 4 Octubre	2,200	5,771,000	2	163
COAC Ambato	1,300	16,415,000	2	163
COAC FondVida	2,500	4,200,000	4	163
COAC LaBenefica	2,500	8,482,000	6	163
COAC MCCH	5,300	10,020,000	2	163
COAC Nacional	30,700	27,129,000	2	163
COAC San José	10,400	29,133,000	5	163
COAC SanAntonio	1,000	2,384,000	3	163
COAC SantaAnita	2,000	2,532,000	6	163
Codesarrollo	14,400	40,328,000	7	163
Coop San Miguel	1,800	4,754,000	5	160
CooP VPR	700	1,052,000	4	163
Cooprogreso	7,900	32,244,000	4	163
Credi Fe	100,900	380,039,000	4	163
D^Miro	36,900	27,692,000	9	156
DECOF	2,200	705,000	2	163
Espoir	62,100	21,036,000	5	163
FODEMI	28,200	12,924,000	3	163
Fundacion Alternativa	4,300	5,545,000	2	163
FUNDAMIC	2,000	1,468,000	2	163
INSOTEC	7,000	6,047,000	4	163
Luz del Valle	6,400	11,300,000	3	163
ProCredit	43,800	211,941,000	2	163
PS Ambato	5,600	2,771,000	1	163

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

EAST MAMPRUSI COMMUNITY BANK P. O. BOX 11, GAMBAGA.GAMBAGA, NORTHERN REGIONP. O. BOX 11.

Data approved: 2011-12-07

Data version: 1

Age of data: - months

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Product

Credit With Education (CWE) Loan Product 2 of 4 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (GHS)	GHS 287,710
Portfolio (USD)	USD 191,807
Active Clients with Loans	160
Approximate % Female Clients	60% - 80%
Approximate % Urban Clients	0% - 20%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

This loan is targeted to women with pity trading, Field officer will have to make a community survey and come out with this women with small businesses\r

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other	trade purpose
Other (2)

Included Services

Credit education
Group meetings
Credit insurance	x
Workplace visits
Business training
Other training
Other
Other (2)
No other services

Eligibility

Men
Women	x
Must run a business	x
Must own a home or land
Must be a salaried worker
Must be specific age group
Other	18 years and residence in the community.
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	GHS
Minimum loan size	GHS 500
Maximum loan size	4,000

Loan Term and Grace Period

Shortest loan term	12.0 months
Longest loan term	24.0 months
Approx average	0

Distribution at Disbursement (Est.)

Loans 3 months or less	N/A
Between 4 and 6 months	N/A
Between 7 and 9 months	N/A
Between 10 and 12 months	N/A
Between 13 and 18 months	N/A
Longer than 18 months	N/A

Grace Period

Grace period usage	10%
Average grace period	2.0 months

Repayment Frequency

Daily
Weekly	x
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 interest	20.00%
Highest quoted nominal interest	20.00%
Interest rate period	Yearly
Interest Rate Calculation Method	Flat
Subsidized by funder request?	N/A
Is rate fixed for entire loan term	Yes

Upfront Fees

This product has no upfront fees

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 for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?	Yes
Do borrowers control deposit in their group?

Deposit BEFORE or AT Disbursement

% loan amount deposited	20.00% - N/A
or, Fixed-amount deposited	0 - N/A

Deposits DURING period payments

% loan amount deposited	0 - N/A
or, Fixed-amount deposited	0 - N/A
Conditions on access to deposit	Access During

Interest Paid on Deposit

Minimum interest rate paid	6.00%
Maximum interest rate paid	6.00%
Interest payment frequency	Annually

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Credit With Education (CWE) Loan samples

	Sample 1	Sample 2	Sample 3
Loan Amount	GHS 500	GHS 1,000	GHS 4,000
Loan Cycle (1, 2, 3, etc)	1	1	1
Disbursement Date	2012-09-12	2013-02-13	2013-03-11
Loan Term (Months)	11.2 months	11.2 months	2.8 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	76.6%	74.2%	74.7%
Insurance Component	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%
Deposit Component	19.0%	32.1%	21.2%
Full APR (int fee ins tax dep)	95.6%	106.3%	95.9%
Transparency Index	21	19	21

Original Repayment Schedule	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

Credit With Education (CWE) Loan Price Graphs

Click to view Price Analysis Tool

Key Statistics
# Samples:
# 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

	X Axis
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N (# of Samples)
Total Borrrowers of Samples


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By Country

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