2. CEDEF
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  2. ASPI
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Institution

Calvary Enterprise Development Foundation P. O Box MP 2468Mamprobi, Accra, Greater Accra233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
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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
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established2006
Head of InstitutionMagnus Amoa-Bosompem
Regions active0
# Branches0

Total Portfolio (nat'l)GHS 519,300
Total Portfolio (USD)USD 346,200
Active clients with loans1,514
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsAssociation of Financial NGOs, Ghana Micro Finance Institutions Network
Funders

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

Loan Products » Summary

Agricultural Production Credit
101 Borrowers
USD 67,333 Portfolio
Active Product
Apprenticeship Start-up Credit Program
25 Borrowers
USD 10,000 Portfolio
Active Product
Efficient Energy Credit Program
100 Borrowers
USD 13,333 Portfolio
Active Product
Micro Enterprise Development
1,060 Borrowers
USD 242,340 Portfolio
Active Product

Loan Products » Summary

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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Production Credit GHS 1,000 - 1,000 8 - 12 60% - 80% 0% - 20%
Apprenticeship Start-up Credit Program 0 0 80% - 100% 40% - 60%
Efficient Energy Credit Program GHS 200 - 1,000 3 - 6 80% - 100% 0% - 20%
Micro Enterprise Development GHS 100 - 3,000 6 - 12 80% - 100% 40% - 60%

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 » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Production Credit 30.00%-0.00% annual, Decl Bal 2 Fees 0 Ins N/A 18.6% - 29.4% 18.6% - 29.4% 100
Apprenticeship Start-up Credit Program 0.00% annual, 0 0 Fees 0 Ins 55.1% - 59.5% 55.1% - 59.5%
Efficient Energy Credit Program 36.00%-0.00% annual, Decl Bal 1 Fee 0 Ins N/A 61.2% 61.2% 58
Micro Enterprise Development 36.00%-0.00% annual, Flat 1 Fee 1 Ins N/A 61.2% - 64.8% 64.6% - 68.4% 54

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
Agricultural Production Credit 30.00%-0.00% annual, Decl Bal 2 Fees 0 Ins Ins N/A 18.6% - 29.4% 18.6% - 29.4% 100
Apprenticeship Start-up Credit Program 0.00% annual, 0 0 Fees 0 Ins Ins 55.1% - 59.5% 55.1% - 59.5%
Efficient Energy Credit Program 36.00%-0.00% annual, Decl Bal 1 Fee 0 Ins Ins N/A 61.2% 61.2% 58
Micro Enterprise Development 36.00%-0.00% annual, Flat 1 Fee 1 Ins Ins N/A 61.2% - 64.8% 64.6% - 68.4% 54

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
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