2. OISL
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  2. PRASAC
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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: 133 months
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Institution

PRASAC #25, St 294 & 57, Boeung Kengkang1ChamkarmonPhnom Penh, Phnom Penh2224
Data approved: 2010-09-22
Data version: 1
Age of data: -   months 
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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 TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addressN/A
Year established1995
Head of InstitutionSim Senacheert
Regions active0
# Branches75

Total Portfolio (nat'l)N/A
Total Portfolio (USD)N/A
Active clients with loans82,819
Approximate % female clientsN/A
Approximate % urban clientsN/A
Network affiliations
Funders

Loan Products » Summary

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

Loan Products » Summary

Agric USD
2,345 Borrowers
USD 5,939,444,600 Portfolio
Active Product
Agric KHR
31,373 Borrowers
USD 11,646,083.30 Portfolio
Active Product
Biodigester
1,206 Borrowers
USD 1,540,093,200 Portfolio
Active Product
Business KHR
14,643 Borrowers
USD 7,966,035.08 Portfolio
Active Product
Business USD
15,224 Borrowers
USD 101,175,000,000 Portfolio
Active Product
Consume KHR
3,646 Borrowers
USD 1,466,924.25 Portfolio
Active Product
Consume USD
4,865 Borrowers
USD 17,932,372,705 Portfolio
Active Product
Group KHR
3,266 Borrowers
USD 1,725,170.33 Portfolio
Active Product
Group USD
16 Borrowers
USD 2,072.70 Portfolio
Active Product

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
Agricultural Production Loan (USD) USD 75 - 1,500 0 40% - 60% 0% - 20% Credit Educ
Agricultural Production Loan (KHR) KHR 300,000 - 6,000,000 0 40% - 60% 0% - 20% Credit Educ
Biodigester Loan (USD) USD 75 - 1,000 0 20% - 40% 0% - 20%
Business Loan (KHR) KHR 300,000 - 100,000,000 0 40% - 60% 0% - 20% Business Credit Educ
Business Loan (USD) USD 75 - 25,000 0 40% - 60% 0% - 20% Business Credit Educ
Consumption Loan (KHR) KHR 300,000 - 40,000,000 0 40% - 60% 0% - 20% Housing Credit Educ
Consumption Loan (USD) USD 75 - 10,000 0 40% - 60% 0% - 20% Housing, Consumer, Education Credit Educ
Group Loan (KHR) KHR 100,000 - 5,000,000 0 60% - 80% 0% - 20% Any Purpose Group Mtgs
Group Loan (USD) USD 30 - 1,250 0 60% - 80% 0% - 20% Any Purpose Group Mtgs

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
Agricultural Production Loan (USD) 2.5%-2.7% annual, Decl Bal 0 Fees 0 Ins None N/A 23.1% - 32.9% 23.1% - 32.9% -1
Agricultural Production Loan (KHR) 2.5%-2.7% annual, Decl Bal 0 Fees 0 Ins None N/A 28% - 35.3% 28% - 35.3% -1
Biodigester Loan (USD) 1.2% annual, Decl Bal 0 Fees 0 Ins None N/A 9.1% - 14.6% 9.1% - 14.6% -1
Business Loan (KHR) 1.6%-2.7% annual, Decl Bal 0 Fees 0 Ins None N/A 28% - 35.3% 28% - 35.3% -1
Business Loan (USD) 1.6%-2.7% annual, Decl Bal 0 Fees 0 Ins None N/A 23.1% - 32.7% 23.1% - 32.7% -1
Consumption Loan (KHR) 1.8%-2.7% annual, Decl Bal 0 Fees 0 Ins None N/A 28% - 35.3% 28% - 35.3% -1
Consumption Loan (USD) 1.8%-2.7% annual, Decl Bal 0 Fees 0 Ins None N/A 22.9% - 32.8% 22.9% - 32.8% -1
Group Loan (KHR) 2.7% annual, Decl Bal 0 Fees 0 Ins None N/A 32.8% - 35.3% 32.8% - 35.3% -1
Group Loan (USD) 2.7% annual, Decl Bal 0 Fees 0 Ins None N/A 30.4% - 32.8% 30.4% - 32.8% -1

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
Agricultural Production Loan (USD) 2.5%-2.7% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 23.1% - 32.9% 23.1% - 32.9% -1
Agricultural Production Loan (KHR) 2.5%-2.7% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 28% - 35.3% 28% - 35.3% -1
Biodigester Loan (USD) 1.2% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 9.1% - 14.6% 9.1% - 14.6% -1
Business Loan (KHR) 1.6%-2.7% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 28% - 35.3% 28% - 35.3% -1
Business Loan (USD) 1.6%-2.7% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 23.1% - 32.7% 23.1% - 32.7% -1
Consumption Loan (KHR) 1.8%-2.7% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 28% - 35.3% 28% - 35.3% -1
Consumption Loan (USD) 1.8%-2.7% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 22.9% - 32.8% 22.9% - 32.8% -1
Group Loan (KHR) 2.7% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 32.8% - 35.3% 32.8% - 35.3% -1
Group Loan (USD) 2.7% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 30.4% - 32.8% 30.4% - 32.8% -1
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Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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