| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.worldvision.org/ |
| Year established | 2001 |
| Head of Institution | Spencer Badu |
| Regions active | Greater Accra Region, Central Region, Western Region, Eastern Region, Volta Region, Ashanti Region, Brong Ahafo Region, Northern Region, Upper East Region, Upper West Region |
| # Branches | 7 |
| Total Portfolio (nat'l) | GHS 3,697,508 |
| Total Portfolio (USD) | USD 1,876,907.61 |
| Active clients with loans | 13,774 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | ASSFIN, GHAMFIN, Vision Fund International |
| Funders | World Vision International, Vision Fund International |
| Institution Type | Private 'For-Profit' |
| Is this institution regulated? | Yes |
| Website address | http://www.ahantamanruralbank.com/ |
| Year established | 1984 |
| Head of Institution | John Dadzie |
| Regions active | 0 |
| # Branches | 12 |
| Total Portfolio (nat'l) | GHS 9,200,000 |
| Total Portfolio (USD) | USD 6,133,333.33 |
| Active clients with loans | 17,000 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | GHAMFIN, ARB APEX, BOG |
| Funders | SPEED GHANA |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Farmer Loan | GHS 300 - 7,000 | 6 - 8 | 60% - 80% | 0% - 20% | Business, Agriculture | Women, Men, Have business, Specific age group, Must be resident in community near branch for at least on year | Group Mtgs, Credit Ins, Business Training, Other Training, Extention Services | |||||||
| Working Capital Loan | GHS 800 - 8,500 | 4 - 12 | 60% - 80% | 20% - 40% | Business | Women, Men, Have business, Specific age group, Must be resident in community near branch for at least on year | Group Mtgs, Credit Ins, Business Training, Other Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | GHS 500 - 2,500 | 4 - 6 | 80% - 100% | 20% - 40% | ||||||||||
| Salary Loan | GHS 200 - 12,000 | 12 - 60 | 40% - 60% | 80% - 100% | ||||||||||
| Sundry (SME) Loan | GHS 5,000 - 25,000 | 12 - 18 | 60% - 80% | 20% - 40% | ||||||||||
| Susu Loan | GHS 500 - 5,000 | 12 | 60% - 80% | 0% - 20% |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Farmer Loan | 39.00%-52.00% annual, Flat | 2 Fees | 1 Ins | None | 15.00%-20.00% upfront | 43.1% - 51.9% | 55.1% - 68% | 65 | ||||||||
| Working Capital Loan | 39.00%-52.00% annual, Flat | 2 Fees | 1 Ins | None | 15.00%-20.00% upfront | 81.2% - 106.3% | 119.1% - 182.5% | 24 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 44.00%-0.00% annual, Flat | 1 Fee | 0 Ins | 86.3% - 86.4% | 103% - 104.8% | 42 | ||||||||||
| Salary Loan | 29.50%-0.00% annual, Decl Bal | 1 Fee | 0 Ins | N/A | 36.3% - 63.2% | 36.3% - 63.2% | 60 | |||||||||
| Sundry (SME) Loan | 33.00%-0.00% annual, Decl Bal | 1 Fee | 0 Ins | N/A | 60.5% - 63.9% | 60.5% - 63.9% | 52 | |||||||||
| Susu Loan | 32.00%-0.00% annual, Decl Bal | 1 Fee | 0 Ins | N/A | 63.5% - 68.7% | 63.5% - 68.7% | 47 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Farmer Loan | 39.00%-52.00% annual, Flat | 2 Fees | 1 Ins Ins | None | 15.00%-20.00% upfront | 43.1% - 51.9% | 55.1% - 68% | 65 | ||||||||
| Working Capital Loan | 39.00%-52.00% annual, Flat | 2 Fees | 1 Ins Ins | None | 15.00%-20.00% upfront | 81.2% - 106.3% | 119.1% - 182.5% | 24 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 44.00%-0.00% annual, Flat | 1 Fee | 0 Ins Ins | 86.3% - 86.4% | 103% - 104.8% | 42 | ||||||||||
| Salary Loan | 29.50%-0.00% annual, Decl Bal | 1 Fee | 0 Ins Ins | N/A | 36.3% - 63.2% | 36.3% - 63.2% | 60 | |||||||||
| Sundry (SME) Loan | 33.00%-0.00% annual, Decl Bal | 1 Fee | 0 Ins Ins | N/A | 60.5% - 63.9% | 60.5% - 63.9% | 52 | |||||||||
| Susu Loan | 32.00%-0.00% annual, Decl Bal | 1 Fee | 0 Ins Ins | N/A | 63.5% - 68.7% | 63.5% - 68.7% | 47 |
| Key Statistics | |
|---|---|
| # 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 |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
