Please note that the information you are viewing is 150 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Dedebit Credit and Savings Institution Head OfficeMekelePO Box 1074
Data approved: 2011-12-23
Data version: 1
Age of data: 150 months

Product

Regular Loan Product 6 of 8 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (ETB)ETB 261,000,000
Portfolio (USD)USD 14,184,782.61
Active Clients with Loans78,000
Approximate % Female Clients60% - 80%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This loan is for income generating activities
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyETB
Minimum loan sizeETB 500
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term36.0 months
Approx average36.0 months
Grace Period
Grace period usage100%
Average grace period3.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest18.00%
Highest quoted nominal interest18.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
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 forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Regular Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountETB 2,000ETB 3,000ETB 5,000ETB 8,000ETB 10,000ETB 20,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-08-242011-08-242011-08-242011-09-062011-09-062011-09-06
Loan Term (Months)12.0 months12.0 months12.0 months36.0 months36.0 months36.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component17.6%17.6%17.6%16.7%16.7%16.7%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)17.6%17.6%17.6%16.7%16.7%16.7%
Transparency Index100100100100100100
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Regular Loan Price Graphs


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

Opportunity International Savings & Loans Ltd. P.O Box JT 323, Accra, GhanaNo. D765/3 Kwame Nkrumah AvenueAccra, Greater Accra233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.opportunityghana.com/
Year established2004
Head of InstitutionCosmus Juma Kowuoche
Regions active0
# Branches20

Total Portfolio (nat'l)GHS 24,784,265
Total Portfolio (USD)USD 16,522,843.33
Active clients with loans41,836
Approximate % female clients80% - 100%
Approximate % urban clients60% - 80%
Network affiliationsOpportunity International USA
FundersOpportunity Microfinance Investment Ltd, Opportunity Transformation Investment, Sinapi Aba Trust, Oikocredit

Loan Products » Summary

536 Borrowers
USD 79,274 Portfolio
Active Product
59 Borrowers
USD 40,122 Portfolio
Active Product
37,299 Borrowers
USD 11,763,077 Portfolio
Active Product
2,711 Borrowers
USD 3,000,532 Portfolio
Active Product
74 Borrowers
USD 337,021 Portfolio
Active Product
791 Borrowers
USD 685,319 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan GHS 2,422 - 7,063 4 - 8 20% - 40% 0% - 20% Business, Farming Women, Men, Specific age group, Farmers Credit Educ
Salary Loan GHS 200 - 7,808 6 - 24 20% - 40% 0% - 20% Any Purpose Women, Men, Have business, Salaried worker Credit Educ, Credit Ins
Group Loan GHS 145 - 4,000 3 - 12 80% - 100% 60% - 80% Business Women, Men, Have business Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Individual Loan GHS 500 - 30,300 2 - 24 40% - 60% 0% - 20% Business Women, Men, Have business Credit Ins
ISME / Edufinance GHS 2,000 - 101,000 10 - 37 20% - 40% 80% - 100% Business, Education Women, Men, Have business Tech Asst Visits, Business Training
Susu Loan GHS 151 - 10,700 3 - 12 40% - 60% 0% - 20% Business Women, Men Credit Educ, Credit Ins, Tech Asst Visits, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 36.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 44.3% - 44.4% 52% - 52.1% 69
Salary Loan 0.0%-42.0% annual, Decl Bal 2 Fees 0 Ins None 10.0% upfront 45.5% - 49.1% 54.9% - 61.5% 0
Group Loan 41.0% annual, Flat 2 Fees 1 Ins None 15.0% upfront 56.7% - 122% 76.9% - 161.4% 32
Individual Loan 42.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 73.7% - 77.5% 88.7% - 97.2% 45
ISME / Edufinance 33.2%-51.0% annual, Decl Bal 2 Fees 1 Ins None N/A 44.6% - 67.3% 46.3% - 69.4% 57
Susu Loan 33.2%-39.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 63.6% - 71.7% 77.8% - 89.1% 39
Institution Price Graph
Caps / Zoom options
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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to