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Institution

Dedebit Credit and Savings Institution Head OfficeMekelePO Box 1074
Data approved: 2011-12-23
Data version: 1
Age of data: 94 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1997
Head of InstitutionAtakilt Kiros
Regions active
# Branches142

Total Portfolio (nat'l)ETB 1,800,000,000
Total Portfolio (USD)USD 97,826,086.96
Active clients with loans397,000
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsAEMFI, INAFI
FundersNPA Norweigan Peoples Aid, SOS Faim, A Glimmer of Hope

Loan Products » Summary

5,000 Borrowers
USD 33,478,260.87 Portfolio
Active Product
25,000 Borrowers
USD 4,293,478.26 Portfolio
Active Product
2,753 Borrowers
USD 543.48 Portfolio
Active Product
5,300 Borrowers
USD 8,206,521.74 Portfolio
Active Product
78,000 Borrowers
USD 14,184,782.61 Portfolio
Active Product
204,000 Borrowers
USD 27,880,434.78 Portfolio
Active Product
41,000 Borrowers
USD 8,260,869.57 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan ETB 15,000 - 5,000,000 12 - 60 20% - 40% 80% - 100% Business Women, Men, Have business Credit Educ
Civil Servant Loan ETB 1,000 - 50,000 12 - 36 20% - 40% 40% - 60% Any Purpose Women, Men, Salaried worker Credit Educ, Group Mtgs
Ex-fighters Association Loan ETB 10,000 - 10,000 36 20% - 40% 80% - 100% Any Purpose Women, Men, Ex-fighters association members Credit Educ
Housing Loan ETB 15,000 - 5,000,000 12 - 60 20% - 40% 80% - 100% Housing Women, Men Credit Educ
Regular Loan ETB 500 - 20,000 12 - 36 60% - 80% 80% - 100% Business Women, Men Credit Educ, Group Mtgs, Business Training
Rural Package Loan ETB 200 - 30,000 6 - 48 20% - 40% 0% - 20% Business, Agriculture Women, Men Credit Educ, Tech Asst Visits
Urban Package Loan ETB 500 - 10,000 12 - 36 60% - 80% 80% - 100% Any Purpose Women, Men Credit Educ, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 10.0% annual, Decl Bal 0 Fees 0 Ins None N/A 11.1% - 13.2% 11.1% - 13.2% 81
Civil Servant Loan 15.0% annual, Decl Bal 0 Fees 0 Ins None N/A 14% - 14.3% 14% - 14.3% 100
Ex-fighters Association Loan 15.0% annual, Decl Bal 0 Fees 0 Ins None N/A 14.1% 14.1% 100
Housing Loan 9.9% annual, Decl Bal 0 Fees 0 Ins None N/A 10.3% - 11% 10.3% - 11% 92
Regular Loan 18.0% annual, Decl Bal 0 Fees 0 Ins None N/A 16.7% - 17.6% 16.7% - 17.6% 100
Rural Package Loan 18.0% annual, Decl Bal 0 Fees 0 Ins None N/A 18% - 25.9% 18% - 25.9% 86
Urban Package Loan 18.0% annual, Decl Bal 0 Fees 0 Ins None N/A 9.7% 9.7% 100
Institution Price Graph
Institution # Borrowers Portfolio (US$) Products Age of Data
AGFS20047,000294
Ahantaman RB23,8009,896,000476
APED13,7001,876,000276
ASA Initiative4,400577,000476
ASA-Ghana71,60018,385,000276
ASPI80088,000676
Atwima Kwanwoma3,8001,788,000276
Baobab5,100967,000276
BestFUND13,0004,172,000376
Bonzali Rural10,4001,691,000494
CashPhase83135,000276
CASUD1,100524,000176
CEDEF50054,000476
CFF10013,000176
CRAN3,6001,019,000276
DQF1,70063,000276
EASL9,20011,409,000676
East Mamprusi12,5002,268,000476
ELDA00076
EMPRETEC Ghana20056,000276
FASL13,50014,047,000876
Grameen Ghana9,500507,000376
ID-Ghana5,600953,000376
Innovative Finance2,700354,000376
Kraban Support7,700781,000594
KRB4,0006,350,000376
Lower Pra RB34,0006,316,000394
Maata-N-Tudu12,000941,000476
Mail Finance300288,000176
Markaz00076
Markaz Al Bishara10017,000176
MicrofinPlus Gh1,100251,000276
Nwabiagya RB4,0002,265,000376
OISL62,00027,232,000976
Pro Credit00076
Rich Step100101,000176
SAT147,60029,359,000476
Sekam Trust600137,000276
Simli Pong8,900463,000394
SS Ghana20035,000176
TCCU10032,000376
The Bridge40032,000394
Union RB3,8002,361,000476
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Key Statistics
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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