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Institution

AIDEZ Small Project International HSN C191/18, AbelemkpeAccra, Greater Accra
Data approved: 2013-03-26
Data version: 2
Age of data: 132 months

Institution

COOPERATIVA DE AHORRO Y CREDITO FATIMA LTDA. CALLE OBISPO PEÑA No 63Santa Cruz, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: 164 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.asp-i.org/asp-i/
Year established2003
Head of InstitutionMoses O.T Owharo
Regions activeGreater Accra Region, Volta Region
# Branches0

Total Portfolio (nat'l)GHS 174,550
Total Portfolio (USD)USD 88,604.06
Active clients with loans845
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliationsGHAMFIN, ASSFIN, Coalition of NGOs in Health, Microcredit summit campaign, USA
FundersUSAID, UBA, Zenith Bank, Ghana Commercial Bank

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://www.coopfatima.com/
Year established1962
Head of InstitutionOSCAR MANUEL CORONADO ESPINOZA
Regions active
# Branches5

Total Portfolio (nat'l)BOB 259,281,693
Total Portfolio (USD)USD 38,412,102.67
Active clients with loans5,240
Approximate % female clients20% - 40%
Approximate % urban clients80% - 100%
Network affiliationsNacional
Funders

Loan Products » Summary

102 Borrowers
USD 39,187.82 Portfolio
Active Product
236 Borrowers
USD 2,741.12 Portfolio
Active Product
SME
170 Borrowers
USD 3,730.96 Portfolio
Active Product
300 Borrowers
USD 36,548.22 Portfolio
Active Product
7 Borrowers
USD 3,553.30 Portfolio
Low Volume Product
30 Borrowers
USD 2,842.64 Portfolio
Low Volume Product
Retired Product
Retired Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

141 Borrowers
USD 435,408.15 Portfolio
Active Product
178 Borrowers
USD 1,272,820.15 Portfolio
Active Product
3,341 Borrowers
USD 14,039,596.89 Portfolio
Active Product
1,565 Borrowers
USD 19,300,714 Portfolio
Active Product
458 Borrowers
USD 3,464,515 Portfolio
Active Product
356 Borrowers
USD 1,465,142.52 Portfolio
Active Product
334 Borrowers
USD 4,302,502 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan GHS 400 - 15,000 4 - 24 40% - 60% 0% - 20% Business, Used for agricultural purposes Women, Men, Have business, Must own a farm or animals, fish, etc. Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Health Education, Technology Management
Individual Loan GHS 100 - 3,000 3 - 12 60% - 80% 40% - 60% Business, Consumer, Education Women, Men, Have business, Salaried worker, Must provide a guarantor Credit Educ, Tech Asst Visits, Business Training, Health Education
SME Loan GHS 1,500 - 5,000 4 - 8 80% - 100% 60% - 80% Business Women, Men, Have business, Must be a graduate from a small group loan, Must provide guarantor Credit Educ, Tech Asst Visits, Business Training
Petty Traders Loan (PTL) GHS 50 - 2,000 3 - 12 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Crédito Oro (Bs) BOB 70,000 - 70,000 60 0% - 20% 80% - 100% Any Purpose Women, Men, Have business, Salaried worker Credit Educ, Credit Ins, Tech Asst Visits
CREDITO A SOLA FIRMA BOB 35,000 - 75,000 36 - 60 0% - 20% 80% - 100% Any Purpose Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Credit Ins, Tech Asst Visits
DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL BOB 7,000 - 63,000 36 - 60 40% - 60% 20% - 40% Any Purpose Women, Men, Have business, Salaried worker Credit Educ, Credit Ins, Tech Asst Visits
DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA USD 1,000 - 50,000 24 - 96 0% - 20% 80% - 100% Any Purpose Women, Men, Have business, Have home or land, Salaried worker, Specific age group Credit Educ, Credit Ins, Tech Asst Visits
Diamante - USD USD 1,001 - 15,000 60 40% - 60% 80% - 100% Any Purpose Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Credit Ins, Tech Asst Visits
Garantía Cruzada (Bs.) BOB 7,000 - 35,000 36 - 60 0% - 20% 80% - 100% Any Purpose Women, Men, Salaried worker, Specific age group Credit Educ, Credit Ins, Tech Asst Visits
HIPOTECARIO DE VIVIENDA USD 10,000 - 140,000 120 - 180 0% - 20% 80% - 100% Business, Housing Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Credit Ins, Tech Asst Visits

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 48.00% annual, Flat 1 Fee 0 Ins None 15.00%-30.00% upfront 93% - 112.1% 137.1% - 163.9% 32
Individual Loan 48.00% annual, Flat 1 Fee 0 Ins None 20.00% upfront 118.9% - 159.8% 174.6% - 205.5% 25
SME Loan 48.00% annual, Flat 1 Fee 0 Ins None 15.00%-20.00% upfront 107.9% - 136% 157.9% - 182.6% 28
Petty Traders Loan (PTL) 48.00% annual, Flat 1 Fee 0 Ins None 20.00% upfront 118.9% - 125.8% 174.6% - 183.6% 26

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito Oro (Bs) 16.0% annual, Decl Bal 1 Fee 0 Ins 24.00 fixed 50.00 upfront 16.9% 17.6% 91
CREDITO A SOLA FIRMA 18.0% annual, Decl Bal 1 Fee 0 Ins 24.00 fixed 50.00 upfront 19% - 19.3% 19.7% - 20.5% 90
DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL 16.0%-18.0% annual, Decl Bal 1 Fee 0 Ins 24.00 fixed 50.00 upfront 16.9% - 19% 17.7% - 25.9% 74
DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA 13.0%-15.0% annual, Decl Bal 2 Fees 0 Ins 3.00 fixed 10.00 upfront 13.9% - 15.9% 14.4% - 22.5% 75
Diamante - USD 16.0% annual, Decl Bal 1 Fee 0 Ins 3.00 fixed 10.0% upfront 16.9% - 17% 17.3% - 17.4% 92
Garantía Cruzada (Bs.) 18.0%-20.0% annual, Decl Bal 1 Fee 0 Ins 24.00 fixed 50.00 upfront 20.7% - 21% 23.9% - 27.8% 71
HIPOTECARIO DE VIVIENDA 10.0%-13.0% annual, Decl Bal 2 Fees 0 Ins 3.00 fixed N/A 13.2% - 13.9% 14.2% - 14.4% 70

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 48.00% annual, Flat 1 Fee 0 Ins Ins None 15.00%-30.00% upfront 93% - 112.1% 137.1% - 163.9% 32
Individual Loan 48.00% annual, Flat 1 Fee 0 Ins Ins None 20.00% upfront 118.9% - 159.8% 174.6% - 205.5% 25
SME Loan 48.00% annual, Flat 1 Fee 0 Ins Ins None 15.00%-20.00% upfront 107.9% - 136% 157.9% - 182.6% 28
Petty Traders Loan (PTL) 48.00% annual, Flat 1 Fee 0 Ins Ins None 20.00% upfront 118.9% - 125.8% 174.6% - 183.6% 26

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito Oro (Bs) 16.0% annual, Decl Bal 1 Fee 0 Ins Ins 24.00 fixed 50.00 upfront 16.9% 17.6% 91
CREDITO A SOLA FIRMA 18.0% annual, Decl Bal 1 Fee 0 Ins Ins 24.00 fixed 50.00 upfront 19% - 19.3% 19.7% - 20.5% 90
DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL 16.0%-18.0% annual, Decl Bal 1 Fee 0 Ins Ins 24.00 fixed 50.00 upfront 16.9% - 19% 17.7% - 25.9% 74
DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA 13.0%-15.0% annual, Decl Bal 2 Fees 0 Ins Ins 3.00 fixed 10.00 upfront 13.9% - 15.9% 14.4% - 22.5% 75
Diamante - USD 16.0% annual, Decl Bal 1 Fee 0 Ins Ins 3.00 fixed 10.0% upfront 16.9% - 17% 17.3% - 17.4% 92
Garantía Cruzada (Bs.) 18.0%-20.0% annual, Decl Bal 1 Fee 0 Ins Ins 24.00 fixed 50.00 upfront 20.7% - 21% 23.9% - 27.8% 71
HIPOTECARIO DE VIVIENDA 10.0%-13.0% annual, Decl Bal 2 Fees 0 Ins Ins 3.00 fixed N/A 13.2% - 13.9% 14.2% - 14.4% 70
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Loan Portfolio (USD)
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