Institution

Lower Pra Rural Bank Limited ShamaWestern RegionPO Box SH 18
Data approved: 2011-12-07
Data version: 1
Age of data: 150 months

Institution

Atwima Kwanwoma Rural Bank Box 6921, Atwima KwanwomaKumasi, Ashanti Region233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://www.lowerpraruralbank.com/
Year established1983
Head of InstitutionIsaac Kwamina Afful
Regions active
# Branches14

Total Portfolio (nat'l)GHS 12,443,472
Total Portfolio (USD)USD 6,316,483.25
Active clients with loans34,056
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsGHAMFIN, ARB APEX
Funders

Institution Details

Institution TypePublic 'For Profit'
Is this institution regulated?Yes
Website addressN/A
Year established1983
Head of InstitutionStephen Sarfo Kantanka
Regions active0
# Branches6

Total Portfolio (nat'l)GHS 2,206,539
Total Portfolio (USD)USD 1,471,026
Active clients with loans3,792
Approximate % female clients60% - 80%
Approximate % urban clients80% - 100%
Network affiliationsGHAMFIN, ARB APEX
Funders

Loan Products » Summary

13,529 Borrowers
USD 2,093,440.10 Portfolio
Active Product
17,746 Borrowers
USD 3,895,317.77 Portfolio
Active Product
2,781 Borrowers
USD 327,725.89 Portfolio
Active Product

Loan Products » Summary

2,923 Borrowers
USD 883,698 Portfolio
Active Product
869 Borrowers
USD 587,328 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro Loan GHS 1,000 - 30,000 1 - 12 20% - 40% 20% - 40% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Salary Loan GHS 500 - 11,000 1 - 60 40% - 60% 80% - 100% Business Women, Men Credit Ins
Susu Loan GHS 200 - 3,500 1 - 12 40% - 60% 80% - 100% Business Women, Men, Have business Credit Ins, Tech Asst Visits, Market trends

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Group Loan GHS 500 - 5,000 6 - 12 60% - 80% 60% - 80%
Susu Loan GHS 300 - 10,000 6 - 12 80% - 100% 80% - 100%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Loan 30.00% annual, Flat 2 Fees 0 Ins None 25.00%- upfront 66.3% - 87.9% 104.2% - 146.4% 24
Salary Loan 28.00% annual, Flat 2 Fees 0 Ins None N/A 47.4% - 63% 47.4% - 63% 48
Susu Loan 30.00% annual, Flat 2 Fees 0 Ins None 25.00%- upfront 69.6% - 91.6% 115.7% - 154.1% 22

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loan 32.00%-0.00% annual, Flat 1 Fee 0 Ins 61.7% - 66.6% 103.1% - 117.8% 29
Susu Loan 32.00%-0.00% annual, Flat 1 Fee 0 Ins 61.9% - 68.3% 125.3% - 150% 23

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Loan 30.00% annual, Flat 2 Fees 0 Ins Ins None 25.00%- upfront 66.3% - 87.9% 104.2% - 146.4% 24
Salary Loan 28.00% annual, Flat 2 Fees 0 Ins Ins None N/A 47.4% - 63% 47.4% - 63% 48
Susu Loan 30.00% annual, Flat 2 Fees 0 Ins Ins None 25.00%- upfront 69.6% - 91.6% 115.7% - 154.1% 22

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loan 32.00%-0.00% annual, Flat 1 Fee 0 Ins Ins 61.7% - 66.6% 103.1% - 117.8% 29
Susu Loan 32.00%-0.00% annual, Flat 1 Fee 0 Ins Ins 61.9% - 68.3% 125.3% - 150% 23
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Key Statistics
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Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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