Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | N/A |
Year established | 2000 |
Head of Institution | Teshome Yiheyis |
Regions active | |
# Branches | 21 |
Total Portfolio (nat'l) | ETB 25,963,550 |
Total Portfolio (USD) | USD 1,411,062.50 |
Active clients with loans | 12,300 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 0% - 20% |
Network affiliations | AEMFI |
Funders | Development Bank of Ethiopia RUFIP, EU |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.asp-i.org/asp-i/ |
Year established | 2003 |
Head of Institution | Moses O.T Owharo |
Regions active | 0 |
# Branches | 0 |
Total Portfolio (nat'l) | GHS 310,000 |
Total Portfolio (USD) | USD 206,666.67 |
Active clients with loans | 4,200 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 0% - 20% |
Network affiliations | GHAMFIN, ASSFIN, Coalition of NGOs in Health, Microcredit summit campaign, USA |
Funders | USAID, UBA, FIDELITY BANK, Ghana Commercial Bank |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan | ETB 3,000 - 9,000 | 8 - 12 | 40% - 60% | 0% - 20% | Business, Agriculture | Women, Men | Credit Educ, Group Mtgs, Credit Ins | |||||||
Business Loan - Group | ETB 1,000 - 18,000 | 12 - 24 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
Business Loan - Individual | ETB 8,000 - 50,000 | 12 - 24 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
Individual (Consumption) Loan | ETB 10,000 - 50,000 | 12 - 24 | 40% - 60% | 60% - 80% | Any Purpose | Women, Men, Salaried worker | Credit Educ, Credit Ins |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan | GHS 800 - 8,000 | 4 - 6 | 80% - 100% | 0% - 20% | ||||||||||
Compulsory Savings Loan | GHS 300 - 3,000 | 3 - 6 | 80% - 100% | 0% - 20% | ||||||||||
Individual Loan | GHS 900 - 2,000 | 3 - 12 | 60% - 80% | 40% - 60% | ||||||||||
SME Loan | GHS 1,500 - 5,000 | 4 - 8 | 80% - 100% | 60% - 80% | ||||||||||
Susu Savings Loan | GHS 200 - 1,000 | 3 - 6 | 80% - 100% | 0% - 20% |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan | 20.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0%-15.0% upfront 5.00%-15.00% ongoing | 38.7% - 39.1% | 46.4% - 51.1% | 41 | ||||||||
Business Loan - Group | 20.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0%-15.0% upfront 5.00%-15.00% ongoing | 35.7% - 45.6% | 43.2% - 56% | 39 | ||||||||
Business Loan - Individual | 22.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0%-15.0% upfront 5.00%-15.00% ongoing | 38.1% - 40% | 43.6% - 46.6% | 49 | ||||||||
Individual (Consumption) Loan | 16.0%-20.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0%-15.0% upfront 5.00%-15.00% ongoing | 29% - 41.9% | 33.6% - 50% | 40 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan | 42.00%-0.00% annual, Flat | 1 Fee | 0 Ins | 46% - 64.7% | 59.4% - 132.1% | 47 | ||||||||||
Compulsory Savings Loan | 42.00%-0.00% annual, Flat | 1 Fee | 0 Ins | 65.1% - 97.2% | 90.8% - 141.1% | 33 | ||||||||||
Individual Loan | 42.00%-0.00% annual, Flat | 1 Fee | 0 Ins | 83.1% - 87.1% | 119.8% - 126.9% | 34 | ||||||||||
SME Loan | 42.00%-0.00% annual, Flat | 1 Fee | 0 Ins | 74.7% - 96.7% | 109.5% - 140.4% | 34 | ||||||||||
Susu Savings Loan | 42.00%-0.00% annual, Flat | 1 Fee | 0 Ins | N/A | 87.1% | 87.1% | 48 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan | 20.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0%-15.0% upfront 5.00%-15.00% ongoing | 38.7% - 39.1% | 46.4% - 51.1% | 41 | ||||||||
Business Loan - Group | 20.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0%-15.0% upfront 5.00%-15.00% ongoing | 35.7% - 45.6% | 43.2% - 56% | 39 | ||||||||
Business Loan - Individual | 22.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0%-15.0% upfront 5.00%-15.00% ongoing | 38.1% - 40% | 43.6% - 46.6% | 49 | ||||||||
Individual (Consumption) Loan | 16.0%-20.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0%-15.0% upfront 5.00%-15.00% ongoing | 29% - 41.9% | 33.6% - 50% | 40 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan | 42.00%-0.00% annual, Flat | 1 Fee | 0 Ins Ins | 46% - 64.7% | 59.4% - 132.1% | 47 | ||||||||||
Compulsory Savings Loan | 42.00%-0.00% annual, Flat | 1 Fee | 0 Ins Ins | 65.1% - 97.2% | 90.8% - 141.1% | 33 | ||||||||||
Individual Loan | 42.00%-0.00% annual, Flat | 1 Fee | 0 Ins Ins | 83.1% - 87.1% | 119.8% - 126.9% | 34 | ||||||||||
SME Loan | 42.00%-0.00% annual, Flat | 1 Fee | 0 Ins Ins | 74.7% - 96.7% | 109.5% - 140.4% | 34 | ||||||||||
Susu Savings Loan | 42.00%-0.00% annual, Flat | 1 Fee | 0 Ins Ins | N/A | 87.1% | 87.1% | 48 |
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