- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
AMF	220,100	173,814,000	9	127
FONDEP	128,949	106,544,937	6	121
AMSSF	13,700	9,079,000	5	127
INMAA	10,494	4,436,410	4	127
ARDI	10,118	4,805,317	2	127
AMOS	2,700	716,000	2	127

Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

CashPhase Ghana Limited 1st Floor, Barclays Bank WingMadina Central Market RoadMadina, Accra, Greater AccraP.O. Box CT4185

Data approved: 2011-12-07

Data version: 1

Age of data: - months

Download Data

Analyze Data

Product

Business Loan Product 1 of 2 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (GHS)	GHS 100,000
Portfolio (USD)	USD 66,667
Active Clients with Loans	20
Approximate % Female Clients	0% - 20%
Approximate % Urban Clients	0% - 20%

Methodology

Individual
Solidarity group
Village banking
Self help group
Other

Description

This is a loan suitable for individuals involved in income generating acivities like traders and printers. The loan amount help with replenishing of stock or purchase of materials to meet increased customer demands.\r

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance	x
Other
Other (2)

Included Services

Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land
Must be a salaried worker	x
Must be specific age group
Other	traders, professionals, salaried workers
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	GHS
Minimum loan size	0
Maximum loan size	0

Loan Term and Grace Period

Shortest loan term	0
Longest loan term	0
Approx average	0

Distribution at Disbursement (Est.)

Loans 3 months or less	N/A
Between 4 and 6 months	N/A
Between 7 and 9 months	N/A
Between 10 and 12 months	N/A
Between 13 and 18 months	N/A
Longer than 18 months	N/A

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	0
Highest quoted nominal interest	0
Interest rate period
Interest Rate Calculation Method	0
Subsidized by funder request?	N/A
Is rate fixed for entire loan term	N/A

Upfront Fees

	Fee 1
Description	Administrative and processing
% of loan amount - min	1.00%
% of loan amount - max	1.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation
Appears on Repayment Sched?	Yes

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for
Criteria	N/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?

Deposit BEFORE or AT Disbursement

% loan amount deposited	0
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	0
Conditions on access to deposit

Interest Paid on Deposit

Minimum interest rate paid	0
Maximum interest rate paid	0
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Business Loan samples

	Sample 1	Sample 2	Sample 3
Loan Amount	GHS 1,000	GHS 5,000	GHS 10,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known
Disbursement Date	2012-11-12	2012-07-16	2012-10-11
Loan Term (Months)	6.0 months	6.0 months	2.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	119.1%	120.3%	128.1%
Insurance Component	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	119.1%	120.3%	128.1%
Transparency Index	N/A	N/A	N/A

Original Repayment Schedule	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

Business Loan Price Graphs

Click to view Price Analysis Tool

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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
Std Dev

By Inst Type


By Country

	X Axis
	Greater than:
	Less or equal to:
	From 0 to
	to
	to
	to ∞