| Institution Type | Private 'For-Profit' |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 1999 |
| Head of Institution | Paul Kojo Kombian |
| Regions active | 0 |
| # Branches | 7 |
| Total Portfolio (nat'l) | GHS 4,045,746 |
| Total Portfolio (USD) | USD 2,697,164 |
| Active clients with loans | 9,050 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | ARB APEX, GHAMFIN, Freedom from Hunger |
| Funders | OikoCredit, SPEED Ghana, ARB APEX BANK |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.daasgift.org/ |
| Year established | 2006 |
| Head of Institution | Mrs Gifty Baaba Asmah |
| Regions active | Western Region |
| # Branches | 2 |
| Total Portfolio (nat'l) | GHS 254,310 |
| Total Portfolio (USD) | USD 129,091.37 |
| Active clients with loans | 3,862 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | GHAMFIN, ASSFIN, AGSI, Microcredit Summit Campaign |
| Funders | E&CO, CHF International, Global Giving, Coastal Resource Centre |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | GHS 500 - 5,000 | 4 - 6 | 80% - 100% | 40% - 60% | ||||||||||
| Personal Loan | GHS 100 - 23,000 | 1 - 36 | 60% - 80% | 40% - 60% |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Energy (Clean Cookstoves) | GHS 100 - 2,000 | 3 - 6 | 80% - 100% | 60% - 80% | Business, Consumer | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
| Energy (Solar Lanterns) | GHS 80 - 950 | 3 - 6 | 40% - 60% | 80% - 100% | Business, Consumer | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 48.00%-0.00% annual, Flat | 1 Fee | 0 Ins | 97.9% - 106.1% | 116% - 125.6% | 39 | ||||||||||
| Personal Loan | 32.00%-0.00% annual, Flat | 1 Fee | 1 Ins | 63.5% - 114.7% | 78.4% - 143.9% | 32 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Energy (Clean Cookstoves) | 24.00%-36.00% annual, Flat | 0 Fees | 0 Ins | None | N/A | 66.5% - 68.1% | 66.5% - 68.1% | 35 | ||||||||
| Energy (Solar Lanterns) | 24.00%-36.00% annual, Flat | 0 Fees | 0 Ins | None | 10.00% upfront | 39.3% - 59.1% | 46.7% - 70% | 41 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 48.00%-0.00% annual, Flat | 1 Fee | 0 Ins Ins | 97.9% - 106.1% | 116% - 125.6% | 39 | ||||||||||
| Personal Loan | 32.00%-0.00% annual, Flat | 1 Fee | 1 Ins Ins | 63.5% - 114.7% | 78.4% - 143.9% | 32 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Energy (Clean Cookstoves) | 24.00%-36.00% annual, Flat | 0 Fees | 0 Ins Ins | None | N/A | 66.5% - 68.1% | 66.5% - 68.1% | 35 | ||||||||
| Energy (Solar Lanterns) | 24.00%-36.00% annual, Flat | 0 Fees | 0 Ins Ins | None | 10.00% upfront | 39.3% - 59.1% | 46.7% - 70% | 41 |
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