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Institution

Wasasa MFI AlemgenaOromiaP O Box 1192
Data approved: 2011-12-23
Data version: 1
Age of data: 149 months

Institution

Tamale Community Credit Union Head OfficeTamale, Northern Region
Data approved: 2013-04-29
Data version: 2
Age of data: 131 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established2000
Head of InstitutionAmsalu Alemayehu Gutema
Regions active
# Branches24

Total Portfolio (nat'l)ETB 113,970,892
Total Portfolio (USD)USD 6,194,070.22
Active clients with loans53,981
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliationsAEMFI, MAIN, PAMIGA
FundersTerrafina, Cordaid, Ethio Italian Rural Development Cooperation, World Solidarity Movement

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addressN/A
Year established2004
Head of InstitutionAkaare Emmanuel
Regions activeNorthern Region
# Branches1

Total Portfolio (nat'l)GHS 64,800
Total Portfolio (USD)USD 32,893.40
Active clients with loans145
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliationsCUA, GHAMFIN
FundersSENDFINCO (SEND Ghana)

Loan Products » Summary

4,002 Borrowers
USD 493,914.29 Portfolio
Active Product
452 Borrowers
USD 72,351.36 Portfolio
Active Product
393 Borrowers
USD 326,133.70 Portfolio
Active Product
44,503 Borrowers
USD 4,906,114.40 Portfolio
Active Product

Loan Products » Summary

89 Borrowers
USD 16,243.65 Portfolio
Active Product
52 Borrowers
USD 7,614.21 Portfolio
Active Product
4 Borrowers
USD 9,035.53 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Employee Loan ETB 1,000 - 10,000 4 - 24 0% - 20% 80% - 100% Housing, Consumer, Education Women, Men, Salaried worker Credit Educ
Enterprise Loan ETB 2,000 - 10,000 4 - 12 20% - 40% 80% - 100% Business Women, Men, Have business, Must be urban or semi-urban, not for rural clients. Credit Educ, Business Training
Individual Loan ETB 5,000 - 150,000 4 - 24 40% - 60% 80% - 100% Business Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training
Large Group Loan ETB 100 - 5,000 4 - 12 40% - 60% 0% - 20% Any Purpose Women, Men Credit Educ, Other Training, Agricultural Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan GHS 150 - 10,000 1 - 18 40% - 60% 20% - 40% Business Women, Men, Have business Group Mtgs
Microfinance Loan GHS 120 - 250 4 80% - 100% 0% - 20% Business Women, must be in a group and in the community Credit Educ, Group Mtgs

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Employee Loan 15.0% annual, Flat 0 Fees 1 Ins None 10.0%-15.0% upfront 26.6% 31.9% - 33.6% 45
Enterprise Loan 18.0% annual, Flat 0 Fees 1 Ins None 10.0% upfront 32.1% - 33.8% 40.2% - 43.9% 43
Individual Loan 11.0%-15.0% annual, Flat 0 Fees 0 Ins None N/A 21.6% - 26.5% 21.6% - 26.5% 46
Large Group Loan 18.0% annual, Flat 1 Fee 1 Ins None 10.0%-15.0% upfront 23.6% - 23.8% 27.4% - 27.7% 65

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 36.00% annual, Decl Bal 1 Fee 1 Ins None 50.00% upfront 38.1% - 40.2% 162.3% - 175.1% 21
Microfinance Loan 30.00% annual, Flat 1 Fee 0 Ins None N/A- upfront 60.9% - 63.6% 63% - 69.5% 45

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Employee Loan 15.0% annual, Flat 0 Fees 1 Ins Ins None 10.0%-15.0% upfront 26.6% 31.9% - 33.6% 45
Enterprise Loan 18.0% annual, Flat 0 Fees 1 Ins Ins None 10.0% upfront 32.1% - 33.8% 40.2% - 43.9% 43
Individual Loan 11.0%-15.0% annual, Flat 0 Fees 0 Ins Ins None N/A 21.6% - 26.5% 21.6% - 26.5% 46
Large Group Loan 18.0% annual, Flat 1 Fee 1 Ins Ins None 10.0%-15.0% upfront 23.6% - 23.8% 27.4% - 27.7% 65

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 36.00% annual, Decl Bal 1 Fee 1 Ins Ins None 50.00% upfront 38.1% - 40.2% 162.3% - 175.1% 21
Microfinance Loan 30.00% annual, Flat 1 Fee 0 Ins Ins None N/A- upfront 60.9% - 63.6% 63% - 69.5% 45
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Key Statistics
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