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

EAST MAMPRUSI COMMUNITY BANK P. O. BOX 11, GAMBAGA.GAMBAGA, NORTHERN REGIONP. O. BOX 11.
Data approved: 2011-12-07
Data version: 1
Age of data: -   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 TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addressN/A
Year established1997
Head of InstitutionMr James Acquaye
Regions active0
# Branches0

Total Portfolio (nat'l)GHS 2,100,364
Total Portfolio (USD)USD 1,400,242.67
Active clients with loans2,394
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsUNDP, TRIAS GHANA, SPEED GHANA, OXFARM
FundersTRAIS, UNDP, SPEED, NORTHFIN

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

261 Borrowers
USD 506,190 Portfolio
Active Product
160 Borrowers
USD 191,807 Portfolio
Active Product
273 Borrowers
USD 176,374 Portfolio
Active Product
1,650 Borrowers
USD 364,133 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
Business Loan GHS 500 - 2,000 6 - 12 20% - 40% 0% - 20%
Credit With Education (CWE) Loan GHS 500 - 4,000 12 - 24 60% - 80% 0% - 20%
Farming Loan GHS 200 - 2,000 12 - 18 20% - 40% 0% - 20%
Salary Loan GHS 500 - 10,000 12 - 36 40% - 60% 0% - 20%

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
Business Loan 36.00%-0.00% annual, Flat 1 Fee 0 Ins 62.8% - 63.4% 98.5% - 106.1% 35
Credit With Education (CWE) Loan 20.00%-0.00% annual, Flat 0 Fees 0 Ins 74.2% - 76.6% 95.6% - 106.3% 20
Farming Loan 30.00%-0.00% annual, Flat 0 Fees 0 Ins 61.1% 107.2% 27
Salary Loan 30.00%-0.00% annual, Decl Bal 2 Fees 0 Ins N/A 29.2% - 63.9% 29.2% - 63.9% 73

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
Business Loan 36.00%-0.00% annual, Flat 1 Fee 0 Ins Ins 62.8% - 63.4% 98.5% - 106.1% 35
Credit With Education (CWE) Loan 20.00%-0.00% annual, Flat 0 Fees 0 Ins Ins 74.2% - 76.6% 95.6% - 106.3% 20
Farming Loan 30.00%-0.00% annual, Flat 0 Fees 0 Ins Ins 61.1% 107.2% 27
Salary Loan 30.00%-0.00% annual, Decl Bal 2 Fees 0 Ins Ins N/A 29.2% - 63.9% 29.2% - 63.9% 73
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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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