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Institution

Omo Microfinance Head OfficeHawassaPO Box 353
Data approved: 2011-12-23
Data version: 1
Age of data: 95 months

Institution

Markaz Al Bishara Head OfficeGumani Child Care & Family Helper ProgramTamale, NorthernPO Box TL 1313
Data approved: 2013-04-16
Data version: 2
Age of data: 77 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 TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://markazalbishara.wordpress.com/
Year established1996
Head of InstitutionRev. Johnson Asare
Regions activeNorthern Region
# Branches1

Total Portfolio (nat'l)GHS 35,000
Total Portfolio (USD)USD 17,766.50
Active clients with loans145
Approximate % female clients100%
Approximate % urban clients100%
Network affiliationsChristian Children's Fund of Canada (CCFC), GHAMFIN, ASSFIN, Credit Union Association (CUA)
FundersChristian Children's Fund of Canada (CCFC), Credit Union Association (CUA)

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

145 Borrowers
USD 17,766.50 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
Petty Trading Loan GHS 100 - 300 6 80% - 100% 80% - 100% Business, Other Women, Have business Group Mtgs, Tech Asst Visits, Health Training (HIV/AIDS, etc.)

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
Petty Trading Loan 30.00% annual, Flat 1 Fee 0 None N/A 50.5% 50.5% 59

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
Petty Trading Loan 30.00% annual, Flat 1 Fee 0 None N/A 50.5% 50.5% 59
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