| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.adcsi.org/ |
| Year established | 2001 |
| Head of Institution | Awash Abetew |
| Regions active | |
| # Branches | 134 |
| Total Portfolio (nat'l) | ETB 566,826,000 |
| Total Portfolio (USD) | USD 30,805,760.87 |
| Active clients with loans | 156,148 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | AEMFI, MAIN |
| Funders | City Government, Global Fund |
| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 2009 |
| Head of Institution | Phyllis Ayetey |
| Regions active | 0 |
| # Branches | 0 |
| Total Portfolio (nat'l) | GHS 150,000 |
| Total Portfolio (USD) | USD 76,142.13 |
| Active clients with loans | 650 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | Credit Union Association (CUA), GHAMFIN |
| Funders | Christian Children's Fund of Canada |
| 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 |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | GHS 1,000 - 5,000 | 6 - 12 | 60% - 80% | 80% - 100% | Business | Women, Men, Have business | Tech Asst Visits | |||||||
| Credit Union Loan | GHS 100 - 2,000 | 3 - 12 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men | Credit Ins | |||||||
| Micro-Enterprise Loan | GHS 100 - 1,000 | 6 - 12 | 60% - 80% | 80% - 100% | Business | Women, Men, Have business | Credit Ins |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 40.00% annual, Flat | 1 Fee | 0 Ins | None | 25.00%- upfront | 0% | 0% | N/A | ||||||||
| Credit Union Loan | 36.00% annual, Decl Bal | 1 Fee | 0 Ins | None | 50.00%- upfront | 0% | 0% | N/A | ||||||||
| Micro-Enterprise Loan | 30.00% annual, Flat | 1 Fee | 0 Ins | None | 35.00%- upfront | 0% | 0% | N/A |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 40.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 25.00%- upfront | 0% | 0% | N/A | ||||||||
| Credit Union Loan | 36.00% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 50.00%- upfront | 0% | 0% | N/A | ||||||||
| Micro-Enterprise Loan | 30.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 35.00%- upfront | 0% | 0% | N/A |
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