Institution

Sekam Trust International Tulaku, behind AmalBankPBM 16AF, Adenta FlatsTulaku, Ashaiman, Greater Accra233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 

Institution

ARDCI NGO Group, Inc. Sta. ElenaVirac, Catanduanes4800
Data approved: 2011-11-16
Data version: 1
Age of data: 151 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.sekamtrustghana.org/
Year established2008
Head of InstitutionSiegfried Kofi Gbadago
Regions active0
# Branches2

Total Portfolio (nat'l)GHS 150,000
Total Portfolio (USD)USD 100,000
Active clients with loans800
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsGCSCA, ASSFIN
FundersIntent Foundation

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.ardci.org/
Year established1995
Head of InstitutionVictor T. Bernal
Regions active
# Branches28

Total Portfolio (nat'l)PhP 388,548,183
Total Portfolio (USD)USD 9,295,411.08
Active clients with loans45,967
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliations
FundersEuropean Union, Department of Agriculture

Loan Products » Summary

32 Borrowers
USD 30,000 Portfolio
Active Product
500 Borrowers
USD 40,000 Portfolio
Active Product
40 Borrowers
USD 30,000 Portfolio
Active Product

Loan Products » Summary

44,667 Borrowers
USD 9,403,105.02 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan 0 0 60% - 80% 60% - 80%
Group Loan GHS 200 - 500 3 - 6 80% - 100% 0% - 20%
Salary Workers Loan 0 0 0% - 20% 0% - 20%

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro Business (MB) PHP 10,000 - 200,000 3 - 12 60% - 80% 20% - 40% Business Women, Men Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 0.00% annual, 0 0 Fees 0 Ins 117.3% - 125.7% 193.8% - 233.8%
Group Loan 60.00%-0.00% annual, Flat 1 Fee 0 Ins 131.5% - 141.8% 245.8% - 266.1% 23
Salary Workers Loan 0.00% annual, 0 0 Fees 0 Ins 114.6% - 137.1% 114.6% - 137.1%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Business (MB) 24.0% annual, Flat 0 Fees 2 Ins None 10.0% upfront 30.00 ongoing 44.2% - 46.3% 58.5% - 75.7% 37

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 0.00% annual, 0 0 Fees 0 Ins Ins 117.3% - 125.7% 193.8% - 233.8%
Group Loan 60.00%-0.00% annual, Flat 1 Fee 0 Ins Ins 131.5% - 141.8% 245.8% - 266.1% 23
Salary Workers Loan 0.00% annual, 0 0 Fees 0 Ins Ins 114.6% - 137.1% 114.6% - 137.1%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Business (MB) 24.0% annual, Flat 0 Fees 2 Ins Ins None 10.0% upfront 30.00 ongoing 44.2% - 46.3% 58.5% - 75.7% 37
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Key Statistics
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# Products
# Institutions
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# Borrowers
Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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