2. SAT
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  2. AGAHE
Please note that the information you are viewing is 108 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Sinapi Aba Trust 22A Ellis Avenue Nhyiaeso, Near Capital Radio, KumasiPostal Office Box 4911, KumasiKUMASSI, ASHANTI REGION233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
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Institution

Association for Gender Awareness & Human Empowerment 3-A Lalazar Colony, Phase 2, Raiwind RoadLahore, Punjab
Data approved: 2015-05-04
Data version: 2
Age of data: 108 months
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Product

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Product

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Product Summary

Number borrowers600
Loan Amount (range)GHS 5,000 - 50,000
Loan Term (range)6 - 12
Other Services (text summary)
Annual Interest & Method36.00%-0.00% annual, Flat
Fees
Insurance
Tax
Comp Dep
Range of pricing 
Interest Price ComponentN/A
Fee Component57.3% - 86.7% (Int+Fee)
Insurance Component0 - 3.9%
Tax Component Range0
Full APR (int fee ins tax dep)69.2% - 105.5%
Transparency Index (min/max)18 - 52
Transparency Index (average)43

Product Summary

7,360
PKR 15,000 - 30,000
12
Group Mtgs, Credit Ins, Business Training
20.0% annual, Flat
1.50% upfront
1.00% upfront
None
N/A
 
34.4% - 34.7%
2.9% - 3.0%
2.0%
0
39.3% - 39.6%
50 - 51
50

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 2,500,000
Portfolio (USD)USD 1,666,667
Active Clients with Loans600
Approximate % Female Clients60% - 80%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Provides holistic financial support to small and medium scale entrepreneurs to enable them acquire the basic inputs to expand their businesses. Its fast, convenient and reliable.\r
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 81,039,323
Portfolio (USD)USD 795,806.15
Active Clients with Loans7,360
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
OtherGroup Lending with Social Collateral
Description
Range of loan amount in this product is Rs. 5,000 to Rs. 30,000 but generally we disburse Rs. 15,000 in 1st loan cycle.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried workerx
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActivePunjab

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 5,000
Maximum loan size50,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average8.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 15,000
Maximum loan size30,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00090%
PKR 25,000-50,00010%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest36.00%
Highest quoted nominal interest43.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionTraining FeeProcessing fee
% of loan amount - min02.00%
% of loan amount - max03.50%
OR, Fixed amount - min30
Fixed amount - max30
Reason for variation
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionClient's Welfare Scheme
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00% - N/A
or, Fixed-amount deposited0 - N/A
Deposits DURING period payments
% loan amount deposited0 - N/A
or, Fixed-amount deposited0 - N/A
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid8.00%
Maximum interest rate paid8.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest20.00%
Highest quoted nominal interest20.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionDocumentation Charges
% of loan amount - min1.50%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fees
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

SME samples
Sample 1Sample 2Sample 3
Loan AmountGHS 5,000GHS 10,000GHS 15,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-02-042013-02-182013-02-01
Loan Term (Months)12.0 months24.0 months6.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component60.5%57.3%86.7%
Insurance Component3.3%2.4%3.3%
Tax Component0.0%0.0%0.0%
Deposit Component11.0%9.4%15.5%
Full APR (int fee ins tax dep)74.8%69.2%105.5%
Transparency Index485234
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

General Loans samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 15,000 Real 2015-04-06 12.0 months N/A PKR 3,375 39.6% 34.7% 2.9% 2.0% 0.0% 0.0% 50 PDF PDF
PKR 15,000 Generated 2015-05-01 12.0 months N/A PKR 3,366.78 39.6% 34.6% 3.0% 2.0% 0.0% 0.0% 51 - PDF
PKR 25,000 Real 2015-03-12 12.0 months N/A PKR 5,625 39.3% 34.4% 2.9% 2.0% 0.0% 0.0% 51 PDF PDF
PKR 25,000 Generated 2015-05-01 12.0 months N/A PKR 5,611.30 39.6% 34.6% 3.0% 2.0% 0.0% 0.0% 51 - PDF
PKR 16,000 Generated 2015-05-01 12.0 months N/A PKR 3,591.23 39.6% 34.6% 3.0% 2.0% 0.0% 0.0% 51 - PDF
PKR 18,000 Generated 2015-05-01 12.0 months N/A PKR 4,040.14 39.6% 34.6% 3.0% 2.0% 0.0% 0.0% 51 - PDF
PKR 20,000 Generated 2015-05-01 12.0 months N/A PKR 4,489.04 39.6% 34.6% 3.0% 2.0% 0.0% 0.0% 51 - PDF
PKR 22,000 Generated 2015-05-01 12.0 months N/A PKR 4,937.95 39.6% 34.6% 3.0% 2.0% 0.0% 0.0% 51 - PDF
PKR 26,000 Generated 2015-05-01 12.0 months N/A PKR 5,835.75 39.6% 34.6% 3.0% 2.0% 0.0% 0.0% 51 - PDF
PKR 30,000 Generated 2015-05-01 12.0 months N/A PKR 6,733.56 39.6% 34.6% 3.0% 2.0% 0.0% 0.0% 51 - PDF
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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% 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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