| Institution Type | Private 'For-Profit' |
| Is this institution regulated? | Yes |
| Website address | http://www.opportunityghana.com/ |
| Year established | 2004 |
| Head of Institution | Cosmus Juma Kowuoche |
| Regions active | 0 |
| # Branches | 20 |
| Total Portfolio (nat'l) | GHS 24,784,265 |
| Total Portfolio (USD) | USD 16,522,843.33 |
| Active clients with loans | 41,836 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | Opportunity International USA |
| Funders | Opportunity Microfinance Investment Ltd, Opportunity Transformation Investment, Sinapi Aba Trust, Oikocredit |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | GHS 2,422 - 7,063 | 4 - 8 | 20% - 40% | 0% - 20% | Business, Farming | Women, Men, Specific age group, Farmers | Credit Educ | |||||||
| Salary Loan | GHS 200 - 7,808 | 6 - 24 | 20% - 40% | 0% - 20% | Any Purpose | Women, Men, Have business, Salaried worker | Credit Educ, Credit Ins | |||||||
| Group Loan | GHS 145 - 4,000 | 3 - 12 | 80% - 100% | 60% - 80% | Business | Women, Men, Have business | Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
| Individual Loan | GHS 500 - 30,300 | 2 - 24 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Credit Ins | |||||||
| ISME / Edufinance | GHS 2,000 - 101,000 | 10 - 37 | 20% - 40% | 80% - 100% | Business, Education | Women, Men, Have business | Tech Asst Visits, Business Training | |||||||
| Susu Loan | GHS 151 - 10,700 | 3 - 12 | 40% - 60% | 0% - 20% | Business | Women, Men | Credit Educ, Credit Ins, Tech Asst Visits, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 36.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0% upfront | 44.3% - 44.4% | 52% - 52.1% | 69 | ||||||||
| Salary Loan | 0.0%-42.0% annual, Decl Bal | 2 Fees | 0 Ins | None | 10.0% upfront | 45.5% - 49.1% | 54.9% - 61.5% | 0 | ||||||||
| Group Loan | 41.0% annual, Flat | 2 Fees | 1 Ins | None | 15.0% upfront | 56.7% - 122% | 76.9% - 161.4% | 32 | ||||||||
| Individual Loan | 42.0% annual, Flat | 2 Fees | 1 Ins | None | 10.0% upfront | 73.7% - 77.5% | 88.7% - 97.2% | 45 | ||||||||
| ISME / Edufinance | 33.2%-51.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 44.6% - 67.3% | 46.3% - 69.4% | 57 | ||||||||
| Susu Loan | 33.2%-39.0% annual, Flat | 2 Fees | 1 Ins | None | 10.0% upfront | 63.6% - 71.7% | 77.8% - 89.1% | 39 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| AgroCapital | 21,900 | 16,894,000 | 11 | 165 |
| ANED | 5,400 | 6,579,000 | 3 | 123 |
| Banco FIE | 231,100 | 569,322,000 | 6 | 123 |
| BancoSol | 215,300 | 861,418,000 | 30 | 123 |
| CIDRE | 8,500 | 126,578,000 | 8 | 123 |
| Coop Fatima | 6,300 | 44,280,000 | 7 | 165 |
| CRECER | 166,900 | 134,626,000 | 13 | 123 |
| Diaconia | 67,000 | 85,734,000 | 2 | 123 |
| Ecofuturo | 59,200 | 226,839,000 | 5 | 123 |
| EMPRENDER | 8,700 | 2,380,000 | 3 | 165 |
| Fassil FFP | 57,600 | 325,081,000 | 5 | 123 |
| FONCRESOL | 3,900 | 9,573,000 | 3 | 123 |
| FONDECO | 14,200 | 24,274,000 | 3 | 123 |
| Fortaleza | 20,100 | 164,530,000 | 13 | 123 |
| FUBODE | 29,400 | 24,444,000 | 7 | 123 |
| FUNBODEM | 8,600 | 15,798,000 | 9 | 123 |
| IDEPRO | 10,400 | 40,479,000 | 2 | 123 |
| IMPRO | 2,400 | 2,885,000 | 4 | 123 |
| ProCredit | 84,300 | 257,487,000 | 8 | 165 |
| PRODEM | 44,900 | 62,529,000 | 4 | 123 |
| ProMujer BOL | 115,200 | 50,753,000 | 3 | 123 |
| Sartawi | 14,600 | 26,842,000 | 8 | 123 |
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