Institution

Opportunity International Savings & Loans Ltd. P.O Box JT 323, Accra, GhanaNo. D765/3 Kwame Nkrumah AvenueAccra, Greater Accra233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 

Institution

Grameen Ghana Head OfficeBehind RCCTamale, Northern
Data approved: 2013-03-14
Data version: 2
Age of data: 132 months

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.opportunityghana.com/
Year established2004
Head of InstitutionCosmus Juma Kowuoche
Regions active0
# Branches20

Total Portfolio (nat'l)GHS 24,784,265
Total Portfolio (USD)USD 16,522,843.33
Active clients with loans41,836
Approximate % female clients80% - 100%
Approximate % urban clients60% - 80%
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?Yes
Website addresshttp://www.grameenghana.org
Year established2001
Head of InstitutionMohammed A. Adams
Regions activeNorthern Region, Upper East Region
# Branches5

Total Portfolio (nat'l)GHS 998,804
Total Portfolio (USD)USD 507,007.11
Active clients with loans9,505
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsASSFIN, GHAMFIN, African Microfinance Transparency (AMT), Civil Society Platform
FundersGrameen Foundation, CORDAID, Planet Finance, Alterfin

Loan Products » Summary

536 Borrowers
USD 79,274 Portfolio
Active Product
59 Borrowers
USD 40,122 Portfolio
Active Product
37,299 Borrowers
USD 11,763,077 Portfolio
Active Product
2,711 Borrowers
USD 3,000,532 Portfolio
Active Product
74 Borrowers
USD 337,021 Portfolio
Active Product
791 Borrowers
USD 685,319 Portfolio
Active Product

Loan Products » Summary

2,281 Borrowers
USD 121,681.73 Portfolio
Active Product
4,848 Borrowers
USD 243,363.45 Portfolio
Active Product
2,376 Borrowers
USD 141,961.93 Portfolio
Active Product
Retired Product
Retired Product

Loan Products » Conditions

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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Business Loan GHS 400 - 1,000 6 - 12 80% - 100% 0% - 20% Business, Agricultural Production Women, Men Credit Educ, Group Mtgs, Other Training, Training in health, nutrition, sanitation, breast-feeding, and malaria prevention.
Basic Loan GHS 50 - 1,000 4 - 6 100% 0% - 20% Business Women Credit Educ, Group Mtgs, Other Training, Training in health, nutrition, sanitation, breast-feeding, and malaria prevention.
Shea Loan GHS 50 - 500 6 - 9 100% 0% Any Purpose Women Credit Educ, Group Mtgs, Other Training, Training in health, nutrition, sanitation, breast-feeding, and malaria prevention.

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 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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Business Loan 30.00% annual, Flat 0 Fees 0 Ins None N/A 45.8% 45.8% 65
Basic Loan 36.00% annual, Flat 0 Fees 0 Ins None N/A 70.8% 70.8% 50
Shea Loan 36.00% annual, Flat 0 Fees 0 Ins None N/A 39.6% - 44.5% 39.6% - 44.5% 87

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 1 Fee 1 Ins 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 Ins None 10.0% upfront 45.5% - 49.1% 54.9% - 61.5% 0
Group Loan 41.0% annual, Flat 2 Fees 1 Ins Ins None 15.0% upfront 56.7% - 122% 76.9% - 161.4% 32
Individual Loan 42.0% annual, Flat 2 Fees 1 Ins 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 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 Ins None 10.0% upfront 63.6% - 71.7% 77.8% - 89.1% 39

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Business Loan 30.00% annual, Flat 0 Fees 0 Ins Ins None N/A 45.8% 45.8% 65
Basic Loan 36.00% annual, Flat 0 Fees 0 Ins Ins None N/A 70.8% 70.8% 50
Shea Loan 36.00% annual, Flat 0 Fees 0 Ins Ins None N/A 39.6% - 44.5% 39.6% - 44.5% 87
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