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Institution

EB ACCION Savings and Loans Ltd No. 4 Nortei Ababio Street Roman RidgePMB CT 127, CantonmentsAccra, Greater Accra
Data approved: 2013-07-31
Data version: 1
Age of data: 132 months

Institution

AccessBank Closed Joint-Stock Company B. Seferoglu Street, 176BakuAZ1000
Data approved: 2012-04-24
Data version: 2
Age of data: 169 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.eb-accion.com
Year established2008
Head of InstitutionMrs. Frances Adu-Mante
Regions activeGreater Accra Region, Ashanti Region, Brong Ahafo Region
# Branches8

Total Portfolio (nat'l)GHS 23,675,529
Total Portfolio (USD)USD 12,018,035.03
Active clients with loans9,401
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsGhana Association of Savings and Loans Companies, GHAMFIN
FundersEcobank Ghana Ltd, Ecobank Transitional Inc, ACCION International, IFC

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.accessbank.az/
Year established2002
Head of InstitutionAndrew Pospielovsky
Regions active
# Branches29

Total Portfolio (nat'l)AZN 354,789,718
Total Portfolio (USD)USD 454,858,612.80
Active clients with loans115,542
Approximate % female clients20% - 40%
Approximate % urban clients60% - 80%
Network affiliations
Funders

Loan Products » Summary

4,497 Borrowers
USD 2,295,303.05 Portfolio
Active Product
880 Borrowers
USD 341,065.99 Portfolio
Active Product
2,755 Borrowers
USD 3,563,691.80 Portfolio
Active Product
265 Borrowers
USD 1,406,775.42 Portfolio
Active Product
SME
398 Borrowers
USD 3,727,540.98 Portfolio
Active Product
407 Borrowers
USD 75,230.26 Portfolio
Active Product

Loan Products » Summary

37,237 Borrowers
USD 77,870,305.13 Portfolio
Active Product
15,218 Borrowers
USD 63,431,577 Portfolio
Active Product
27,921 Borrowers
USD 48,470,397.44 Portfolio
Active Product
2,102 Borrowers
USD 9,451,727 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Nkosuo GHS 50 - 3,000 3 - 12 60% - 80% 60% - 80% Business Women, Men, Have business, Specific age group Credit Ins
Micro Express GHS 50 - 1,000 3 - 6 60% - 80% 60% - 80% Business Women, Men, Specific age group Credit Ins
Adwuma Pa GHS 3,000 - 15,000 3 - 12 60% - 80% 80% - 100% Business Women, Men, Have business, Specific age group Credit Ins
Micro Plus GHS 15,000 - 30,000 3 - 24 40% - 60% 40% - 60% Business Women, Men, Have business, Have home or land, Specific age group Credit Ins
SME GHS 30,000 - 50,000 3 - 24 0% - 20% 80% - 100% Business Women, Men, Have business, Have home or land, Specific age group Credit Ins
Group GHS 600 - 3,000 3 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Specific age group Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro standard loan (manat) AZN 100 - 16,000 1 - 36 20% - 40% 60% - 80% Business Women, Men, Have business, Combined collateral, Regular stable income
Micro standard loan (USD) USD 100 - 20,000 1 - 36 20% - 40% 60% - 80% Business Women, Men, Have business, Combined collateral, Regular stable income
Micro Agricultural loan (manat) AZN 100 - 16,000 1 - 36 0% - 20% 0% - 20% Business Women, Men, Have business, Borrowers receiving income from agricultural business
Micro agricultural loan (USD) USD 100 - 20,000 1 - 36 0% - 20% 0% - 20% Business Women, Men, Have business, Borrowers receiving income from agricultural business

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Nkosuo 48.0% annual, Flat 1 Fee 1 Ins None 81.2% - 82.6% 83.9% - 120.9% 52
Micro Express 48.0% annual, Flat 1 Fee 1 Ins None 2.50-10.00 ongoing 87.8% - 95.1% 154.3% - 180.7% 29
Adwuma Pa 45.0% annual, Flat 1 Fee 1 Ins None 61.3% - 76.6% 68.3% - 78% 61
Micro Plus 42.0%-45.0% annual, Flat 1 Fee 1 Ins None 74% - 76.6% 75.2% - 78.2% 54
SME 38.4%-42.0% annual, Flat 1 Fee 1 Ins None 59.9% - 64.5% 60.7% - 66.9% 59
Group 48.0% annual, Flat 1 Fee 1 Ins None 2.50-10.00 ongoing 74.1% - 77.1% 111.6% - 118.8% 41

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro standard loan (manat) 27.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 35.2% - 37.2% 35.2% - 37.2% 74
Micro standard loan (USD) 27.0%-33.0% annual, Decl Bal 1 Fee 0 Ins None N/A 33.5% 33.5% 81
Micro Agricultural loan (manat) 27.0%-36.0% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront 35.2% - 37.2% 40.5% - 44.3% 63
Micro agricultural loan (USD) 27.0%-33.0% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront 35.5% - 37.5% 40.9% - 44.6% 63

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Nkosuo 48.0% annual, Flat 1 Fee 1 Ins Ins None 81.2% - 82.6% 83.9% - 120.9% 52
Micro Express 48.0% annual, Flat 1 Fee 1 Ins Ins None 2.50-10.00 ongoing 87.8% - 95.1% 154.3% - 180.7% 29
Adwuma Pa 45.0% annual, Flat 1 Fee 1 Ins Ins None 61.3% - 76.6% 68.3% - 78% 61
Micro Plus 42.0%-45.0% annual, Flat 1 Fee 1 Ins Ins None 74% - 76.6% 75.2% - 78.2% 54
SME 38.4%-42.0% annual, Flat 1 Fee 1 Ins Ins None 59.9% - 64.5% 60.7% - 66.9% 59
Group 48.0% annual, Flat 1 Fee 1 Ins Ins None 2.50-10.00 ongoing 74.1% - 77.1% 111.6% - 118.8% 41

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro standard loan (manat) 27.0%-36.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 35.2% - 37.2% 35.2% - 37.2% 74
Micro standard loan (USD) 27.0%-33.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 33.5% 33.5% 81
Micro Agricultural loan (manat) 27.0%-36.0% annual, Decl Bal 1 Fee 0 Ins Ins None 10.0% upfront 35.2% - 37.2% 40.5% - 44.3% 63
Micro agricultural loan (USD) 27.0%-33.0% annual, Decl Bal 1 Fee 0 Ins Ins None 10.0% upfront 35.5% - 37.5% 40.9% - 44.6% 63
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