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Institution

Wisdom Microfinance Institution S.Co Bole Sub CityAddis Ababa31478
Data approved: 2012-03-12
Data version: 1
Age of data: 106 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1998
Head of InstitutionWorku Tsega
Regions active
# Branches51

Total Portfolio (nat'l)ETB 119,816,176
Total Portfolio (USD)USD 6,511,748.70
Active clients with loans45,331
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsAEMFI, Vision Fund International
FundersWorld Vision

Loan Products » Summary

243 Borrowers
USD 44,990.27 Portfolio
Active Product
34,703 Borrowers
USD 4,164,431.74 Portfolio
Active Product
5,095 Borrowers
USD 382,694.08 Portfolio
Active Product
3,354 Borrowers
USD 261,871.36 Portfolio
Active Product
61 Borrowers
USD 6,850.54 Portfolio
Active Product
1,875 Borrowers
USD 639,486.30 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agri-business Loan ETB 3,000 - 5,000 6 - 12 60% - 80% 0% - 20% Business, Agriculture Women, Men Credit Educ, Group Mtgs, Credit Ins
Agricultural Loan ETB 2,500 - 4,500 6 - 12 60% - 80% 0% - 20% Business, Agriculture Women, Men, 75% of group members has to be women Credit Educ, Group Mtgs, Credit Ins
Business Loan ETB 3,000 - 5,000 6 - 12 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Consumption Loan ETB 3,000 - 5,000 10 - 24 60% - 80% 20% - 40% Any Purpose Men, Salaried worker Credit Educ, Group Mtgs
Enterprise loan ETB 4,500 - 8,000 9 - 12 60% - 80% 80% - 100% Business Women, Men, Have business, Must have at least one employee, Must have at least a certain minimum capital limit. Credit Educ, Group Mtgs, Credit Ins
Individual Loan ETB 4,000 - 50,000 9 - 24 60% - 80% 80% - 100% Business Women, Men Credit Educ, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agri-business Loan 17.5% annual, Flat 1 Fee 1 Ins None 10.0% upfront 10.00 ongoing 38.7% 55.6% 31
Agricultural Loan 19.5% annual, Flat 1 Fee 1 Ins None 15.0% upfront 10.00 ongoing 22.1% 28.1% 69
Business Loan 15.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 10.00 ongoing 33.2% 47.3% 32
Consumption Loan 17.5% annual, Flat 1 Fee 1 Ins None 15.0% upfront 38.7% 56.2% 31
Enterprise loan 15.0% annual, Flat 1 Fee 0 Ins None 10.0% upfront 10.00 ongoing 22.9% - 31.9% 30.1% - 76.9% 35
Individual Loan 15.0% annual, Flat 1 Fee 1 Ins None N/A 31.6% - 32.9% 35.8% - 38.8% 41
Institution Price Graph
Institution # Borrowers Portfolio (US$) Products Age of Data
AGFS20047,0002109
Ahantaman RB23,8009,896,000491
APED13,7001,876,000291
ASA Initiative4,400577,000491
ASA-Ghana71,60018,385,000291
ASPI80088,000691
Atwima Kwanwoma3,8001,788,000291
Baobab5,100967,000291
BestFUND13,0004,172,000391
Bonzali Rural10,4001,691,0004109
CashPhase83135,000291
CASUD1,100524,000191
CEDEF50054,000491
CFF10013,000191
CRAN3,6001,019,000291
DQF1,70063,000291
EASL9,20011,409,000691
East Mamprusi12,5002,268,000491
ELDA00091
EMPRETEC Ghana20056,000291
FASL13,50014,047,000891
Grameen Ghana9,500507,000391
ID-Ghana5,600953,000391
Innovative Finance2,700354,000391
Kraban Support7,700781,0005109
KRB4,0006,350,000391
Lower Pra RB34,0006,316,0003109
Maata-N-Tudu12,000941,000491
Mail Finance300288,000191
Markaz00091
Markaz Al Bishara10017,000191
MicrofinPlus Gh1,100251,000291
Nwabiagya RB4,0002,265,000391
OISL62,00027,232,000991
Pro Credit00091
Rich Step100101,000191
SAT147,60029,359,000491
Sekam Trust600137,000291
Simli Pong8,900463,0003109
SS Ghana20035,000191
TCCU10032,000391
The Bridge40032,0003109
Union RB3,8002,361,000491
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Key Statistics
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# Institutions
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# Borrowers
Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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