| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| Banco Solidario | 79,700 | 221,716,000 | 1 | 164 |
| CEPESIU | 2,000 | 939,000 | 4 | 164 |
| COAC 4 Octubre | 2,200 | 5,771,000 | 2 | 164 |
| COAC Ambato | 1,300 | 16,415,000 | 2 | 164 |
| COAC FondVida | 2,500 | 4,200,000 | 4 | 164 |
| COAC LaBenefica | 2,500 | 8,482,000 | 6 | 164 |
| COAC MCCH | 5,300 | 10,020,000 | 2 | 164 |
| COAC Nacional | 30,700 | 27,129,000 | 2 | 164 |
| COAC San José | 10,400 | 29,133,000 | 5 | 164 |
| COAC SanAntonio | 1,000 | 2,384,000 | 3 | 164 |
| COAC SantaAnita | 2,000 | 2,532,000 | 6 | 164 |
| Codesarrollo | 14,400 | 40,328,000 | 7 | 164 |
| Coop San Miguel | 1,800 | 4,754,000 | 5 | 161 |
| CooP VPR | 700 | 1,052,000 | 4 | 164 |
| Cooprogreso | 7,900 | 32,244,000 | 4 | 164 |
| Credi Fe | 100,900 | 380,039,000 | 4 | 164 |
| D^Miro | 36,900 | 27,692,000 | 9 | 157 |
| DECOF | 2,200 | 705,000 | 2 | 164 |
| Espoir | 62,100 | 21,036,000 | 5 | 164 |
| FODEMI | 28,200 | 12,924,000 | 3 | 164 |
| Fundacion Alternativa | 4,300 | 5,545,000 | 2 | 164 |
| FUNDAMIC | 2,000 | 1,468,000 | 2 | 164 |
| INSOTEC | 7,000 | 6,047,000 | 4 | 164 |
| Luz del Valle | 6,400 | 11,300,000 | 3 | 164 |
| ProCredit | 43,800 | 211,941,000 | 2 | 164 |
| PS Ambato | 5,600 | 2,771,000 | 1 | 164 |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.sinapiaba.com/ |
| Year established | 1994 |
| Head of Institution | Anthony Gyasi-Fosu |
| Regions active | 0 |
| # Branches | 48 |
| Total Portfolio (nat'l) | GHS 34,500,000 |
| Total Portfolio (USD) | USD 23,000,000 |
| Active clients with loans | 107,000 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Opportunity Internal network, Ghamfin, Mix Market, Assfin |
| Funders | Blue Orchard, Symbotics, Kolibre Capital, Tridos |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Individual | GHS 1,000 - 5,000 | 6 - 12 | 80% - 100% | 60% - 80% | ||||||||||
| School Loans | GHS 1,000 - 10,000 | 6 - 24 | 20% - 40% | 40% - 60% | ||||||||||
| SME | GHS 5,000 - 50,000 | 6 - 12 | 60% - 80% | 80% - 100% | ||||||||||
| Solidarity | GHS 1,000 - 4,000 | 0.5 - 10 | 80% - 100% | 0% - 20% | ||||||||||
| Trust Bank | GHS 200 - 900 | 6 - 10 | 80% - 100% | 0% - 20% |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Individual | 20.00%-0.00% annual, Flat | 1 Fee | 1 Ins | 56.4% - 92% | 69.3% - 113.1% | 21 | ||||||||||
| School Loans | 20.00%-0.00% annual, Flat | 0 Fees | 0 Ins | N/A | 50.4% - 57.2% | 50.4% - 57.2% | 37 | |||||||||
| SME | 36.00%-0.00% annual, Flat | 1 Fee | 1 Ins | 57.3% - 86.7% | 69.2% - 105.5% | 43 | ||||||||||
| Solidarity | 22.00%-0.00% annual, Flat | 2 Fees | 1 Ins | 84.4% - 88.6% | 102.8% - 109.2% | 20 | ||||||||||
| Trust Bank | 22.00%-0.00% annual, Flat | 2 Fees | 1 Ins | 84.3% - 98.5% | 104.3% - 122.6% | 19 |
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