| Institution Type | RurBank |
| Is this institution regulated? | Yes |
| Website address | http://[email protected] |
| Year established | 1982 |
| Head of Institution | C.K Ablerdu |
| Regions active | Ashanti Region |
| # Branches | 9 |
| Total Portfolio (nat'l) | GHS 12,511,356 |
| Total Portfolio (USD) | USD 6,350,942.13 |
| Active clients with loans | 4,013 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | ARB Apex, GHAMFIN |
| Funders | SPEED Ghana, MiDA, MASLOC |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | N/A |
| Website address | http://www.crecer.org.bo/ |
| Year established | 1999 |
| Head of Institution | José Auad Lema |
| Regions active | 0 |
| # Branches | 9 |
| Total Portfolio (nat'l) | BOB 329,433,070 |
| Total Portfolio (USD) | USD 47,743,923.19 |
| Active clients with loans | 101,962 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | PROCOSI-Programa de Coordinación en Salud Integral, FINRURAL-Asociación de Instituciones Financieras para el Desarrollo (Bolivia), INAFI LA, FOLADE |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Commercial Loan | GHS 500 - 90,000 | 6 - 18 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business | Group Mtgs, Credit Ins, Other Training | |||||||
| Salary Loan | GHS 200 - 6,000 | 6 - 18 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Salaried worker | Credit Educ, Group Mtgs, Credit Ins, Other Training | |||||||
| Susu Loan | GHS 50 - 20,000 | 3 - 12 | 60% - 80% | 40% - 60% | Business, Housing, Consumer, Education, Other | Women, Men, Have business, Must have conttributed savings depsoit for at least 3 months. | Credit Educ, Group Mtgs, Credit Ins, Other Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Banca Comunal | BOB 6,000 - 180,000 | 6 - 8 | 60% - 80% | 40% - 60% | Business, Housing, Education, Other, Capital de Operación-Inversión | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Credito Individual - USD | USD 100 - 10,000 | 3 - 60 | 80% - 100% | 60% - 80% | Business, Housing, Education, Other | Have business, Specific age group, No deben tener deuda en mora en el sistema financiero (Consulta Central de Riesgos), Experiencia mínima de 1 año en la actividad a financiar y 6 meses de funcionamiento del negocio | Credit Educ, Credit Ins, Other Training | |||||||
| Credito Individual - BOB | BOB 700 - 70,000 | 3 - 60 | 80% - 100% | 40% - 60% | Business, Housing, Education, Capital de Operación-Inversión | Women, Men, Have business | Credit Educ, Credit Ins, Other Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Commercial Loan | 28.00% annual, Flat | 1 Fee | 0 Ins | None | 30.00% upfront | 53% - 56.8% | 97.1% - 106.4% | 27 | ||||||||
| Salary Loan | 30.00% annual, Flat | 1 Fee | 0 Ins | None | N/A | 54.2% - 77.7% | 54.2% - 77.7% | 48 | ||||||||
| Susu Loan | 28.00% annual, Flat | 1 Fee | 0 Ins | None | 50.00% upfront | 51.9% - 56.3% | 179.5% - 210.9% | 14 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Banca Comunal | 36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
| Credito Individual - USD | 18.0%-24.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
| Credito Individual - BOB | 18.0%-24.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 0% | 0% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Commercial Loan | 28.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 30.00% upfront | 53% - 56.8% | 97.1% - 106.4% | 27 | ||||||||
| Salary Loan | 30.00% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 54.2% - 77.7% | 54.2% - 77.7% | 48 | ||||||||
| Susu Loan | 28.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 50.00% upfront | 51.9% - 56.3% | 179.5% - 210.9% | 14 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Banca Comunal | 36.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
| Credito Individual - USD | 18.0%-24.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
| Credito Individual - BOB | 18.0%-24.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A |
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