| 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 | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.finca.org/ |
| Year established | 2001 |
| Head of Institution | Keith Gary Sandbloom |
| Regions active | 0 |
| # Branches | 7 |
| Total Portfolio (nat'l) | ZMK 17,703,826,092 |
| Total Portfolio (USD) | USD 3,421,029.20 |
| Active clients with loans | 14,879 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | FINCA International |
| Funders | International donors |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | ZMK 1,500,000 - 50,000,000 | 4 - 12 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business, Must have a valid National Registration Card, Must have business or personal assets to pledge | Tech Asst Visits, Credit Life Assurance and funeral benefits | |||||||
| Small Group Loans | ZMK 1,200,000 - 10,000,000 | 6 - 12 | 60% - 80% | 80% - 100% | Business | Women, Men, Have business, Must have a valid National Registration Card, Must be part of a selt selected group | Funeral Benefits | |||||||
| Village Banking | ZMK 150,000 - 7,000,000 | 4 - 6 | 60% - 80% | 80% - 100% | Business | Women, Men, Have business, Have a valid National Registration Card, Be part of a self selected group | Tech Asst Visits, Business Training, Other Training, Funeral benefits |
| 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 48.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0% upfront | 92.2% - 93.3% | 116.5% - 118.4% | 41 | ||||||||
| Small Group Loans | 60.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0% upfront | 106% - 111.9% | 133.3% - 140.6% | 43 | ||||||||
| Village Banking | 66.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0% upfront 12,000.00 ongoing | 127.6% | 201.8% - 347.5% | 27 |
| 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 48.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 10.0% upfront | 92.2% - 93.3% | 116.5% - 118.4% | 41 | ||||||||
| Small Group Loans | 60.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 10.0% upfront | 106% - 111.9% | 133.3% - 140.6% | 43 | ||||||||
| Village Banking | 66.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 10.0% upfront 12,000.00 ongoing | 127.6% | 201.8% - 347.5% | 27 |
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