| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 2004 |
| Head of Institution | Akaare Emmanuel |
| Regions active | Northern Region |
| # Branches | 1 |
| Total Portfolio (nat'l) | GHS 64,800 |
| Total Portfolio (USD) | USD 32,893.40 |
| Active clients with loans | 145 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | CUA, GHAMFIN |
| Funders | SENDFINCO (SEND Ghana) |
| Institution Type | Private 'For-Profit' |
| Is this institution regulated? | N/A |
| Website address | N/A |
| Year established | 2004 |
| Head of Institution | Delphin NGAMIJE |
| Regions active | 0 |
| # Branches | 13 |
| Total Portfolio (nat'l) | RWF 1,800,000,000 |
| Total Portfolio (USD) | USD 3,050,847.46 |
| Active clients with loans | 12,000 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | AMIR, Terrafina |
| Funders | Trovaire, International Alert, Oxfam GB, PDRCIU |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | GHS 150 - 10,000 | 1 - 18 | 40% - 60% | 20% - 40% | Business | Women, Men, Have business | Group Mtgs | |||||||
| Microfinance Loan | GHS 120 - 250 | 4 | 80% - 100% | 0% - 20% | Business | Women, must be in a group and in the community | Credit Educ, Group Mtgs |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | RWF 500,000 - 2,500,000 | 12 | 60% - 80% | 0% - 20% | ||||||||||
| Credit Femme Entrepreneur Loan | RWF 600,000 - 4,000,000 | 3 - 36 | 60% - 80% | 0% - 20% | ||||||||||
| Group Solidaire Commerce Loan | RWF 500,000 - 2,500,000 | 6 - 8 | 60% - 80% | 0% - 20% |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 36.00% annual, Decl Bal | 1 Fee | 1 Ins | None | 50.00% upfront | 38.1% - 40.2% | 162.3% - 175.1% | 21 | ||||||||
| Microfinance Loan | 30.00% annual, Flat | 1 Fee | 0 Ins | None | N/A- upfront | 60.9% - 63.6% | 63% - 69.5% | 45 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 24.00%-0.00% annual, Flat | 1 Fee | 0 Ins | 31.2% - 33.3% | 43.6% - 47% | |||||||||||
| Credit Femme Entrepreneur Loan | 15.00%-0.00% annual, Flat | 1 Fee | 0 Ins | N/A | 25.9% - 27.9% | 26.3% - 28.2% | ||||||||||
| Group Solidaire Commerce Loan | 24.00%-0.00% annual, Flat | 1 Fee | 0 Ins | 32.9% - 42.2% | 101% - 137.2% |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 36.00% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 50.00% upfront | 38.1% - 40.2% | 162.3% - 175.1% | 21 | ||||||||
| Microfinance Loan | 30.00% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A- upfront | 60.9% - 63.6% | 63% - 69.5% | 45 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 24.00%-0.00% annual, Flat | 1 Fee | 0 Ins Ins | 31.2% - 33.3% | 43.6% - 47% | |||||||||||
| Credit Femme Entrepreneur Loan | 15.00%-0.00% annual, Flat | 1 Fee | 0 Ins Ins | N/A | 25.9% - 27.9% | 26.3% - 28.2% | ||||||||||
| Group Solidaire Commerce Loan | 24.00%-0.00% annual, Flat | 1 Fee | 0 Ins Ins | 32.9% - 42.2% | 101% - 137.2% |
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