Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
ACSI | 682,200 | 103,172,000 | 5 | 150 |
ADCSI | 176,100 | 30,846,000 | 2 | 151 |
BG | 47,000 | 4,048,000 | 4 | 150 |
DECSI | 361,000 | 96,304,000 | 7 | 150 |
Dire | 4,900 | 828,000 | 4 | 150 |
DMCPSC | 1,200 | 69,000 | 1 | 150 |
Eshet | 18,800 | 2,392,000 | 3 | 150 |
Harbu | 22,400 | 1,757,000 | 2 | 150 |
Meklit | 12,200 | 1,395,000 | 4 | 150 |
Metemamen | 10,500 | 650,000 | 6 | 150 |
OCSSCO | 502,700 | 69,565,000 | 3 | 150 |
OMO | 323,600 | 31,385,000 | 4 | 150 |
PEACE | 17,200 | 2,462,000 | 3 | 150 |
SFPI | 33,600 | 2,750,000 | 3 | 150 |
Sidama | 53,400 | 1,162,000 | 6 | 150 |
Wasasa | 49,300 | 5,798,000 | 4 | 150 |
Wisdom MFI | 45,300 | 5,500,000 | 6 | 147 |
Outstanding portfolio (GHS) | GHS 78,780 |
Portfolio (USD) | USD 39,989.85 |
Active Clients with Loans | 857 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | |
Workplace visits | x |
Business training | x |
Other training | |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Currency | GHS |
Minimum loan size | GHS 100 |
Maximum loan size | GHS 250 |
Shortest loan term | 6.0 months |
Longest loan term | 6.0 months |
Approx average | 6.0 months |
Grace period usage | 100% |
Average grace period | 1.0 month |
Daily | |
Weekly | x |
Every 2 weeks | |
Every 4 weeks | |
Monthly | |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 20.00% |
Highest quoted nominal interest | 20.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | Yes |
Is rate fixed for entire loan term | Yes |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | |
Do borrowers control deposit in their group? |
% loan amount deposited | 10.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit |
Minimum interest rate paid | 0 |
Maximum interest rate paid | 0 |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | GHS 300 | GHS 350 | GHS 400 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2010-09-30 | 2010-09-30 | 2010-09-30 | ||
Loan Term (Months) | 5.1 months | 5.1 months | 5.1 months | ||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
Total Cost of Credit | Not Known | Not Known | Not Known | ||
True Price by Comp | |||||
Interest and Fee Component | 62.0% | 61.0% | 64.7% | ||
Insurance Component | 0.0% | 0.0% | 0.0% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 10.9% | 10.5% | 11.8% | ||
Full APR (int fee ins tax dep) | 72.9% | 71.5% | 76.6% | ||
Transparency Index | 27 | 28 | 26 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Key Statistics | |
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# Samples: | |
# Products | |
# Institutions | |
# Countries | |
# Borrowers | |
Loan Portfolio (USD) | |
% Products using declining balance | |
% Products with one or more fee | |
% Products with one or more insurances | |
% Products with compulsory deposits |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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