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Institution

Opportunity International Savings & Loans Ltd. No. D765/3 Kwame Nkrumah AvenueAccra, Greater AccraPO Box JT 323
Data approved: 2013-03-12
Data version: 2
Age of data: 132 months

Institution

CIDRE Calle Juan de la Cruz Torrez # 1674Cochabamba, Cercado28034
Data approved: 2010-10-28
Data version: 1
Age of data: -   months 

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.opportunityghana.com/
Year established2004
Head of InstitutionKwame Owusu-Boateng
Regions activeGreater Accra Region, Central Region, Western Region, Eastern Region, Ashanti Region, Brong Ahafo Region
# Branches29

Total Portfolio (nat'l)GHS 56,590,868
Total Portfolio (USD)USD 28,726,328.93
Active clients with loans62,525
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsOpportunity International USA
FundersOpportunity Microfinance Investment Ltd, Opportunity Transformation Investment, Sinapi Aba Trust, Oikocredit

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.cidre.org.bo/
Year established1981
Head of InstitutionAlvaro Moscoso Blanco
Regions active0
# Branches11

Total Portfolio (nat'l)BOB 100,003,465.30
Total Portfolio (USD)USD 14,599,046.03
Active clients with loans3,488
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsFINRURAL
FundersBanco Interamericano de Desarrollo (BID), KIVA, Oikocredit, Babco de Desarrollo Productivo (BDP S.A.M.)

Loan Products » Summary

7,428 Borrowers
USD 1,242,790.36 Portfolio
Active Product
53 Borrowers
USD 241,847.21 Portfolio
Active Product
273 Borrowers
USD 144,458.88 Portfolio
Active Product
39,801 Borrowers
USD 11,025,252.79 Portfolio
Active Product
3,257 Borrowers
USD 2,895,500.51 Portfolio
Active Product
595 Borrowers
USD 4,731,220.81 Portfolio
Active Product
1,443 Borrowers
USD 913,463.45 Portfolio
Active Product
8,946 Borrowers
USD 5,867,048.22 Portfolio
Active Product
245 Borrowers
USD 171,009.14 Portfolio
Active Product

Loan Products » Summary

54 Borrowers
USD 93,135.15 Portfolio
Active Product
113 Borrowers
USD 301,014.41 Portfolio
Active Product
91 Borrowers
USD 755,374.25 Portfolio
Active Product
72 Borrowers
USD 213,076.20 Portfolio
Active Product
432 Borrowers
USD 2,816,538.67 Portfolio
Active Product
176 Borrowers
USD 504,708.36 Portfolio
Active Product
2,270 Borrowers
USD 9,642,380.14 Portfolio
Active Product
4 Borrowers
USD 36,054.21 Portfolio
Low Volume 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
Agriculture Loan GHS 130 - 10,000 6 - 9 60% - 80% 0% - 20% Business, Farming Women, Men, Specific age group, Farmers Credit Educ, Credit Ins
Church Loan GHS 5,000 - 100,000 3 - 37 0% 60% - 80% Financing church building Women, Men, Fully registered functioning church Credit Educ
Salary Loan GHS 270 - 15,000 6 - 24 20% - 40% 100% Any Purpose Women, Men, Have business, Salaried worker Credit Educ, Credit Ins
Group Loan GHS 100 - 8,000 3 - 12 60% - 80% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Individual Loan GHS 200 - 12,000 2 - 24 40% - 60% 20% - 40% Business Women, Men, Have business Credit Educ, Credit Ins
ISME / Edufinance GHS 10,000 - 100,000 10 - 37 0% - 20% 80% - 100% Business, Education Women, Men, Have business, Fully registered and licensed school Tech Asst Visits, Business Training
Susu Loan GHS 100 - 10,000 3 - 12 40% - 60% 40% - 60% Business Women, Men Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Adehye Loan GHS 280 - 8,000 3 - 8 60% - 80% 40% - 60% Business Women, Men, Have business, Must be a good group loan client. Credit Educ, Group Mtgs
Eduloan GHS 500 - 3,000 24 60% - 80% 80% - 100% Education Women, Men Credit Educ

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credito de Consumo (BOB) BOB 1,414 - 70,700 12 - 60 0% - 20% 0% - 20% Any Purpose Women, Men, Capcidad de pago Credit Ins
Credito de Consumo (USD) USD 200 - 10,000 12 - 60 0% - 20% 0% - 20% Any Purpose Women, Men, Capacidad de pago Credit Ins
Credito Hipotecaria (USD) USD 1,000 - 43,000 12 - 84 0% - 20% 0% - 20% Housing Women, Men, Capacidad de pago Credit Ins
Microcredito para Comercio y Servicios (BOB) BOB 1,414 - 70,700 6 - 60 20% - 40% 20% - 40% Business, Para actividades de comercio y servicios Women, Men, Have business, Debe tener capacidad de pago Credit Ins
Microcredito para Comercio y Servicios (USD) USD 200 - 10,000 6 - 60 0% - 20% 0% - 20% Business Women, Men, Have business, Capcidad de pago Credit Ins, Business Training
Microcredito Productivo (BOB) BOB 1,414 - 70,700 6 - 60 40% - 60% 0% - 20% Business Women, Men, Have business, Debe tener capacidad de pago. Credit Ins
Microcredito Productivo (USD) USD 200 - 10,000 6 - 60 60% - 80% 0% - 20% Business Women, Men, Have business, Capacidad de pago Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 36.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 40.8% - 65.4% 47% - 78.8% 61
Church Loan 39.0% annual, Decl Bal 2 Fees 1 Ins None 15.0% upfront 42.1% - 45.3% 55.6% - 61.3% 66
Salary Loan 24.0% annual, Flat 2 Fees 1 Ins None N/A 43.4% - 48.5% 44.6% - 50.6% 51
Group Loan 41.0% annual, Flat 2 Fees 1 Ins None 15.0% upfront 77.5% - 90.7% 103% - 123.9% 36
Individual Loan 42.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 67.6% - 79% 78.4% - 95.7% 47
ISME / Edufinance 39.0% annual, Decl Bal 2 Fees 1 Ins None 43% - 46.3% 44.4% - 48% 84
Susu Loan 39.0% annual, Flat 2 Fees 1 Ins None N/A 68.4% - 74.6% 69.8% - 77.3% 53
Adehye Loan 38.0% annual, Flat 1 Fee 1 Ins None 15.0%-20.0% upfront 67.1% - 81.6% 96.6% - 124.1% 35
Eduloan 24.0%-37.0% annual, Decl Bal 1 Fee 1 Ins None N/A 41.6% - 74.1% 42.5% - 78% 37

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito de Consumo (BOB) 25.0%-28.0% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A
Credito de Consumo (USD) 23.0%-26.0% annual, Decl Bal 1 Fee 0 Ins 15.00% Principal N/A 0% 0% N/A
Credito Hipotecaria (USD) 18.0% annual, Decl Bal 1 Fee 0 Ins 15.00% Principal N/A 0% 0% N/A
Microcredito para Comercio y Servicios (BOB) 24.0%-28.0% annual, Decl Bal 0 Fees 1 Ins None N/A 0% 0% N/A
Microcredito para Comercio y Servicios (USD) 22.0%-26.0% annual, Decl Bal 0 Fees 1 Ins 15.00% interest N/A 0% 0% N/A
Microcredito Productivo (BOB) 20.0%-22.0% annual, Decl Bal 0 Fees 1 Ins None N/A 0% 0% N/A
Microcredito Productivo (USD) 18.0%-20.5% annual, Decl Bal 0 Fees 1 Ins 15.00% Principal N/A 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 36.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 40.8% - 65.4% 47% - 78.8% 61
Church Loan 39.0% annual, Decl Bal 2 Fees 1 Ins Ins None 15.0% upfront 42.1% - 45.3% 55.6% - 61.3% 66
Salary Loan 24.0% annual, Flat 2 Fees 1 Ins Ins None N/A 43.4% - 48.5% 44.6% - 50.6% 51
Group Loan 41.0% annual, Flat 2 Fees 1 Ins Ins None 15.0% upfront 77.5% - 90.7% 103% - 123.9% 36
Individual Loan 42.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 67.6% - 79% 78.4% - 95.7% 47
ISME / Edufinance 39.0% annual, Decl Bal 2 Fees 1 Ins Ins None 43% - 46.3% 44.4% - 48% 84
Susu Loan 39.0% annual, Flat 2 Fees 1 Ins Ins None N/A 68.4% - 74.6% 69.8% - 77.3% 53
Adehye Loan 38.0% annual, Flat 1 Fee 1 Ins Ins None 15.0%-20.0% upfront 67.1% - 81.6% 96.6% - 124.1% 35
Eduloan 24.0%-37.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 41.6% - 74.1% 42.5% - 78% 37

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito de Consumo (BOB) 25.0%-28.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 0% 0% N/A
Credito de Consumo (USD) 23.0%-26.0% annual, Decl Bal 1 Fee 0 Ins Ins 15.00% Principal N/A 0% 0% N/A
Credito Hipotecaria (USD) 18.0% annual, Decl Bal 1 Fee 0 Ins Ins 15.00% Principal N/A 0% 0% N/A
Microcredito para Comercio y Servicios (BOB) 24.0%-28.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 0% 0% N/A
Microcredito para Comercio y Servicios (USD) 22.0%-26.0% annual, Decl Bal 0 Fees 1 Ins Ins 15.00% interest N/A 0% 0% N/A
Microcredito Productivo (BOB) 20.0%-22.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 0% 0% N/A
Microcredito Productivo (USD) 18.0%-20.5% annual, Decl Bal 0 Fees 1 Ins Ins 15.00% Principal N/A 0% 0% N/A
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