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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: 98 months

Institution

East Mamprusi Community Bank GambagaNorthern RegionP.O Box 11
Data approved: 2013-03-26
Data version: 2
Age of data: 79 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 TypeRurBank
Is this institution regulated?Yes
Website addressN/A
Year established1997
Head of InstitutionMr James Acquaye
Regions activeNorthern Region
# Branches3

Total Portfolio (nat'l)GHS 4,468,812
Total Portfolio (USD)USD 2,268,432.49
Active clients with loans13,801
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsUNDP, TRIAS GHANA, SPEED GHANA, Oxfam
FundersTRAIS, UNDP, SPEED, NORTHFIN

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

CWE
6,836 Borrowers
USD 641,624.37 Portfolio
Active Product
5,600 Borrowers
USD 1,067,660.91 Portfolio
Active Product
640 Borrowers
USD 327,512.69 Portfolio
Low Volume Product
725 Borrowers
USD 231,634.52 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

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
Credit With Education (CWE) Loan GHS 200 - 1,000 6 - 8 80% - 100% 0% - 20% Business Women, Have business, Specific age group, Must be 18 years of age., Must have residence in the community near relevant branch. Credit Ins
Salary Loan GHS 500 - 15,000 6 - 36 40% - 60% 0% - 20% Consumer, Education Women, Men, Salaried worker Credit Ins, Overdraft

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
Credit With Education (CWE) Loan 20.00% annual, Flat 0 Fees 0 Ins None 20.00% upfront 67% 97.5% 20
Salary Loan 30.00% annual, Decl Bal 1 Fee 0 Ins None N/A 46.7% - 48.4% 46.7% - 48.4% 62

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
Credit With Education (CWE) Loan 20.00% annual, Flat 0 Fees 0 Ins Ins None 20.00% upfront 67% 97.5% 20
Salary Loan 30.00% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 46.7% - 48.4% 46.7% - 48.4% 62
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Loan Portfolio (USD)
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% Products with one or more insurances
% Products with compulsory deposits
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