| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| KBL | 468,300 | 120,082,000 | 16 | 107 |
| KF | 233,600 | 41,416,000 | 4 | 106 |
| NRSP | 399,900 | 70,157,000 | 3 | 107 |
| ASA | 230,400 | 29,637,000 | 3 | 107 |
| TMFB | 221,200 | 85,449,000 | 7 | 107 |
| FMFB | 163,544 | 38,481,323 | 9 | 125 |
| TRDP | 100,000 | 13,817,000 | 3 | 107 |
| PRSP | 75,656 | 9,907,176 | 3 | 125 |
| BRAC^P | 57,300 | 11,869,000 | 3 | 107 |
| SRSO | 51,100 | 7,775,000 | 3 | 107 |
| SSF | 46,000 | 4,776,000 | 3 | 107 |
| FINCA | 82,000 | 43,559,000 | 9 | 107 |
| JWS | 36,000 | 6,545,000 | 2 | 107 |
| RCDS | 35,552 | 4,856,122 | 4 | 125 |
| DAMEN | 35,185 | 7,150,864 | 1 | 125 |
| FFO | 22,400 | 3,335,000 | 3 | 107 |
| OLP | 21,400 | 3,510,000 | 3 | 107 |
| CSC | 17,600 | 3,147,000 | 1 | 107 |
| AMRDO | 13,800 | 1,206,000 | 5 | 107 |
| WMBL | 13,800 | 6,105,000 | 3 | 107 |
| Mojaz | 13,400 | 2,415,000 | 2 | 107 |
| SDF | 11,500 | 1,041,000 | 4 | 107 |
| POMFB | 8,500 | 2,795,000 | 4 | 107 |
| OPD | 7,500 | 918,000 | 2 | 107 |
| AGAHE | 7,300 | 797,000 | 2 | 107 |
| NRDP | 6,184 | 1,521,972 | 3 | 125 |
| GBTI | 6,100 | 669,000 | 3 | 125 |
| WASIL | 4,300 | 1,135,000 | 2 | 107 |
| Micro Options | 4,000 | 768,000 | 5 | 107 |
| VDO | 3,900 | 489,000 | 3 | 125 |
| SVDP | 3,900 | 811,000 | 13 | 125 |
| SRDO | 3,500 | 766,000 | 4 | 107 |
| OSDI | 2,000 | 923,000 | 3 | 107 |
| APMBL | 1,800 | 1,401,000 | 3 | 107 |
| BEDF | 1,400 | 209,000 | 3 | 125 |
| KCDO | 800 | 94,000 | 1 | 125 |
| Institution Type | Private 'For-Profit' |
| Is this institution regulated? | Yes |
| Website address | http://www.opportunityghana.com/ |
| Year established | 2004 |
| Head of Institution | Cosmus Juma Kowuoche |
| Regions active | 0 |
| # Branches | 20 |
| Total Portfolio (nat'l) | GHS 24,784,265 |
| Total Portfolio (USD) | USD 16,522,843.33 |
| Active clients with loans | 41,836 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | Opportunity International USA |
| Funders | Opportunity Microfinance Investment Ltd, Opportunity Transformation Investment, Sinapi Aba Trust, Oikocredit |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | GHS 2,422 - 7,063 | 4 - 8 | 20% - 40% | 0% - 20% | Business, Farming | Women, Men, Specific age group, Farmers | Credit Educ | |||||||
| Salary Loan | GHS 200 - 7,808 | 6 - 24 | 20% - 40% | 0% - 20% | Any Purpose | Women, Men, Have business, Salaried worker | Credit Educ, Credit Ins | |||||||
| Group Loan | GHS 145 - 4,000 | 3 - 12 | 80% - 100% | 60% - 80% | Business | Women, Men, Have business | Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
| Individual Loan | GHS 500 - 30,300 | 2 - 24 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Credit Ins | |||||||
| ISME / Edufinance | GHS 2,000 - 101,000 | 10 - 37 | 20% - 40% | 80% - 100% | Business, Education | Women, Men, Have business | Tech Asst Visits, Business Training | |||||||
| Susu Loan | GHS 151 - 10,700 | 3 - 12 | 40% - 60% | 0% - 20% | Business | Women, Men | Credit Educ, Credit Ins, Tech Asst Visits, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 36.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0% upfront | 44.3% - 44.4% | 52% - 52.1% | 69 | ||||||||
| Salary Loan | 0.0%-42.0% annual, Decl Bal | 2 Fees | 0 Ins | None | 10.0% upfront | 45.5% - 49.1% | 54.9% - 61.5% | 0 | ||||||||
| Group Loan | 41.0% annual, Flat | 2 Fees | 1 Ins | None | 15.0% upfront | 56.7% - 122% | 76.9% - 161.4% | 32 | ||||||||
| Individual Loan | 42.0% annual, Flat | 2 Fees | 1 Ins | None | 10.0% upfront | 73.7% - 77.5% | 88.7% - 97.2% | 45 | ||||||||
| ISME / Edufinance | 33.2%-51.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 44.6% - 67.3% | 46.3% - 69.4% | 57 | ||||||||
| Susu Loan | 33.2%-39.0% annual, Flat | 2 Fees | 1 Ins | None | 10.0% upfront | 63.6% - 71.7% | 77.8% - 89.1% | 39 |
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