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Institution

Addis Credit and Savings Institution Head OfficeAddis AbabaPO Box 5667
Data approved: 2012-01-13
Data version: 1
Age of data: 151 months

Institution

Ahantaman Rural Bank Limited P.O Box 41, Agona Nkwanta, via Takoradi, Western RegionAgona-Nwata, Western Region233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.adcsi.org/
Year established2001
Head of InstitutionAwash Abetew
Regions active
# Branches134

Total Portfolio (nat'l)ETB 566,826,000
Total Portfolio (USD)USD 30,805,760.87
Active clients with loans156,148
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsAEMFI, MAIN
FundersCity Government, Global Fund

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.ahantamanruralbank.com/
Year established1984
Head of InstitutionJohn Dadzie
Regions active0
# Branches12

Total Portfolio (nat'l)GHS 9,200,000
Total Portfolio (USD)USD 6,133,333.33
Active clients with loans17,000
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsGHAMFIN, ARB APEX, BOG
FundersSPEED GHANA

Loan Products » Summary

10,644 Borrowers
USD 2,762,338.26 Portfolio
Active Product
165,464 Borrowers
USD 28,084,435.05 Portfolio
Active Product

Loan Products » Summary

13,976 Borrowers
USD 114,103 Portfolio
Active Product
4,398 Borrowers
USD 2,186,707 Portfolio
Active Product
361 Borrowers
USD 665,852 Portfolio
Active Product
715 Borrowers
USD 419,561 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan ETB 700 - 250,000 6 - 18 20% - 40% 0% - 20% Business, Agriculture Women, Men Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits
Micro & Small Business Loan ETB 700 - 1,000,000 7 - 36 40% - 60% 80% - 100% Business Women, Men Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Group Loan GHS 500 - 2,500 4 - 6 80% - 100% 20% - 40%
Salary Loan GHS 200 - 12,000 12 - 60 40% - 60% 80% - 100%
Sundry (SME) Loan GHS 5,000 - 25,000 12 - 18 60% - 80% 20% - 40%
Susu Loan GHS 500 - 5,000 12 60% - 80% 0% - 20%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 10.0% annual, Flat 1 Fee 1 Ins None 5.0% upfront 17.3% - 20.4% 19.8% - 23.8% 46
Micro & Small Business Loan 10.0% annual, Flat 1 Fee 1 Ins None 5.0% upfront 17.7% - 19.9% 20.5% - 23.1% 45

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loan 44.00%-0.00% annual, Flat 1 Fee 0 Ins 86.3% - 86.4% 103% - 104.8% 42
Salary Loan 29.50%-0.00% annual, Decl Bal 1 Fee 0 Ins N/A 36.3% - 63.2% 36.3% - 63.2% 60
Sundry (SME) Loan 33.00%-0.00% annual, Decl Bal 1 Fee 0 Ins N/A 60.5% - 63.9% 60.5% - 63.9% 52
Susu Loan 32.00%-0.00% annual, Decl Bal 1 Fee 0 Ins N/A 63.5% - 68.7% 63.5% - 68.7% 47

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 10.0% annual, Flat 1 Fee 1 Ins Ins None 5.0% upfront 17.3% - 20.4% 19.8% - 23.8% 46
Micro & Small Business Loan 10.0% annual, Flat 1 Fee 1 Ins Ins None 5.0% upfront 17.7% - 19.9% 20.5% - 23.1% 45

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loan 44.00%-0.00% annual, Flat 1 Fee 0 Ins Ins 86.3% - 86.4% 103% - 104.8% 42
Salary Loan 29.50%-0.00% annual, Decl Bal 1 Fee 0 Ins Ins N/A 36.3% - 63.2% 36.3% - 63.2% 60
Sundry (SME) Loan 33.00%-0.00% annual, Decl Bal 1 Fee 0 Ins Ins N/A 60.5% - 63.9% 60.5% - 63.9% 52
Susu Loan 32.00%-0.00% annual, Decl Bal 1 Fee 0 Ins Ins N/A 63.5% - 68.7% 63.5% - 68.7% 47
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