| 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 |
|---|---|---|---|---|
| Banco Solidario | 79,700 | 221,716,000 | 1 | 164 |
| CEPESIU | 2,000 | 939,000 | 4 | 164 |
| COAC 4 Octubre | 2,200 | 5,771,000 | 2 | 164 |
| COAC Ambato | 1,300 | 16,415,000 | 2 | 164 |
| COAC FondVida | 2,500 | 4,200,000 | 4 | 164 |
| COAC LaBenefica | 2,500 | 8,482,000 | 6 | 164 |
| COAC MCCH | 5,300 | 10,020,000 | 2 | 164 |
| COAC Nacional | 30,700 | 27,129,000 | 2 | 164 |
| COAC San José | 10,400 | 29,133,000 | 5 | 164 |
| COAC SanAntonio | 1,000 | 2,384,000 | 3 | 164 |
| COAC SantaAnita | 2,000 | 2,532,000 | 6 | 164 |
| Codesarrollo | 14,400 | 40,328,000 | 7 | 164 |
| Coop San Miguel | 1,800 | 4,754,000 | 5 | 161 |
| CooP VPR | 700 | 1,052,000 | 4 | 164 |
| Cooprogreso | 7,900 | 32,244,000 | 4 | 164 |
| Credi Fe | 100,900 | 380,039,000 | 4 | 164 |
| D^Miro | 36,900 | 27,692,000 | 9 | 157 |
| DECOF | 2,200 | 705,000 | 2 | 164 |
| Espoir | 62,100 | 21,036,000 | 5 | 164 |
| FODEMI | 28,200 | 12,924,000 | 3 | 164 |
| Fundacion Alternativa | 4,300 | 5,545,000 | 2 | 164 |
| FUNDAMIC | 2,000 | 1,468,000 | 2 | 164 |
| INSOTEC | 7,000 | 6,047,000 | 4 | 164 |
| Luz del Valle | 6,400 | 11,300,000 | 3 | 164 |
| ProCredit | 43,800 | 211,941,000 | 2 | 164 |
| PS Ambato | 5,600 | 2,771,000 | 1 | 164 |
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