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Institution

Omo Microfinance Head OfficeHawassaPO Box 353
Data approved: 2011-12-23
Data version: 1
Age of data: 97 months

Institution

Kumanwuman Rural Bank Limited Head OfficeKumawuKumasi, AshantiP.O. Box 33
Data approved: 2013-03-05
Data version: 2
Age of data: 79 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1998
Head of InstitutionRomedan Mohammed
Regions active
# Branches170

Total Portfolio (nat'l)ETB 585,102,740
Total Portfolio (USD)USD 31,799,061.96
Active clients with loans327,888
Approximate % female clients20% - 40%
Approximate % urban clients40% - 60%
Network affiliationsAEMFI
FundersRegional Government, Wondo Company, Association of Southern Peoples

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://[email protected]
Year established1982
Head of InstitutionC.K Ablerdu
Regions activeAshanti Region
# Branches9

Total Portfolio (nat'l)GHS 12,511,356
Total Portfolio (USD)USD 6,350,942.13
Active clients with loans4,013
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsARB Apex, GHAMFIN
FundersSPEED Ghana, MiDA, MASLOC

Loan Products » Summary

170,500 Borrowers
USD 16,535,434.78 Portfolio
Active Product
4,000 Borrowers
USD 381,586.96 Portfolio
Active Product
1,600 Borrowers
USD 158,994.57 Portfolio
Active Product
147,500 Borrowers
USD 14,309,510.87 Portfolio
Active Product

Loan Products » Summary

1,412 Borrowers
USD 2,465,610.66 Portfolio
Active Product
1,756 Borrowers
USD 3,312,781.73 Portfolio
Active Product
845 Borrowers
USD 572,549.75 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Rural Agriculture Loan ETB 2,000 - 50,000 12 - 36 20% - 40% 0% - 20% Business, Agriculture Women, Men Credit Educ, Group Mtgs, Credit Ins
Rural Petty Trade Loan ETB 2,000 - 50,000 12 - 36 20% - 40% 0% - 20% Business Women, Men Credit Educ, Group Mtgs, Credit Ins
Small Investment Loan ETB 2,000 - 20,000 12 - 36 0% - 20% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Urban Loan ETB 2,000 - 50,000 12 - 36 40% - 60% 80% - 100% Any Purpose Women, Men Credit Educ, Group Mtgs, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Commercial Loan GHS 500 - 90,000 6 - 18 20% - 40% 60% - 80% Business Women, Men, Have business Group Mtgs, Credit Ins, Other Training
Salary Loan GHS 200 - 6,000 6 - 18 20% - 40% 60% - 80% Any Purpose Women, Men, Salaried worker Credit Educ, Group Mtgs, Credit Ins, Other Training
Susu Loan GHS 50 - 20,000 3 - 12 60% - 80% 40% - 60% Business, Housing, Consumer, Education, Other Women, Men, Have business, Must have conttributed savings depsoit for at least 3 months. Credit Educ, Group Mtgs, Credit Ins, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Rural Agriculture Loan 18.0% annual, Decl Bal 1 Fee 1 Ins None 5.0%-10.0% upfront 6.00 ongoing 20.2% - 28.7% 25% - 35.7% 64
Rural Petty Trade Loan 15.0% annual, Flat 1 Fee 1 Ins None 5.0%-10.0% upfront 6.00 ongoing 11.3% - 22.5% 14.8% - 29% 65
Small Investment Loan 15.0% annual, Flat 1 Fee 1 Ins None 5.0%-10.0% upfront 6.00 ongoing 11.7% 14.8% - 15.8% 99
Urban Loan 10.0% annual, Decl Bal 1 Fee 1 Ins None 5.0%-10.0% upfront 20.00 ongoing 11.7% - 11.8% 17.1% - 17.7% 57

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Commercial Loan 28.00% annual, Flat 1 Fee 0 Ins None 30.00% upfront 53% - 56.8% 97.1% - 106.4% 27
Salary Loan 30.00% annual, Flat 1 Fee 0 Ins None N/A 54.2% - 77.7% 54.2% - 77.7% 48
Susu Loan 28.00% annual, Flat 1 Fee 0 Ins None 50.00% upfront 51.9% - 56.3% 179.5% - 210.9% 14

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Rural Agriculture Loan 18.0% annual, Decl Bal 1 Fee 1 Ins Ins None 5.0%-10.0% upfront 6.00 ongoing 20.2% - 28.7% 25% - 35.7% 64
Rural Petty Trade Loan 15.0% annual, Flat 1 Fee 1 Ins Ins None 5.0%-10.0% upfront 6.00 ongoing 11.3% - 22.5% 14.8% - 29% 65
Small Investment Loan 15.0% annual, Flat 1 Fee 1 Ins Ins None 5.0%-10.0% upfront 6.00 ongoing 11.7% 14.8% - 15.8% 99
Urban Loan 10.0% annual, Decl Bal 1 Fee 1 Ins Ins None 5.0%-10.0% upfront 20.00 ongoing 11.7% - 11.8% 17.1% - 17.7% 57

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Commercial Loan 28.00% annual, Flat 1 Fee 0 Ins Ins None 30.00% upfront 53% - 56.8% 97.1% - 106.4% 27
Salary Loan 30.00% annual, Flat 1 Fee 0 Ins Ins None N/A 54.2% - 77.7% 54.2% - 77.7% 48
Susu Loan 28.00% annual, Flat 1 Fee 0 Ins Ins None 50.00% upfront 51.9% - 56.3% 179.5% - 210.9% 14
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