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

DAASGIFT QUALITY FOUNDATION P.O.Box TD 1369. TakoradiTakoradi, Western Region233
Data approved: 2011-12-07
Data version: 1
Age of data: -   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 TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.daasgift.org/
Year established2006
Head of InstitutionMrs Gifty Baaba Asmah
Regions active0
# Branches2

Total Portfolio (nat'l)GHS 96,292
Total Portfolio (USD)USD 64,194.67
Active clients with loans1,424
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliationsGHAMFIN, ASSFIN, AGSI, MICROCREDIT SUMMIT CAMPAIGN
FundersE&CO, CHF International, Global Giving

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

5 Borrowers
USD 1,117 Portfolio
Active Product
729 Borrowers
USD 48,647 Portfolio
Active Product
23 Borrowers
USD 4,877 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
Energy (Clean Cookstoves) 0 0 80% - 100% 60% - 80%
Group lending GHS 50 - 1,000 4 - 6 80% - 100% 40% - 60%
Managed Funds Loan 0 0 80% - 100% 0% - 20%

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
Energy (Clean Cookstoves) 0.00% annual, 0 0 Fees 0 Ins 69.9% - 83.8% 69.9% - 83.8%
Group lending 65.00%-0.00% annual, Flat 1 Fee 1 Ins 139.1% - 143.6% 228.8% - 238.8% 27
Managed Funds Loan 0.00% annual, 0 0 Fees 0 Ins 82% - 82.4% 135.7% - 136.3%

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
Energy (Clean Cookstoves) 0.00% annual, 0 0 Fees 0 Ins Ins 69.9% - 83.8% 69.9% - 83.8%
Group lending 65.00%-0.00% annual, Flat 1 Fee 1 Ins Ins 139.1% - 143.6% 228.8% - 238.8% 27
Managed Funds Loan 0.00% annual, 0 0 Fees 0 Ins Ins 82% - 82.4% 135.7% - 136.3%
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Loan Portfolio (USD)
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