Institution # Borrowers Portfolio (US$) Products Age of Data
1st Valley Bank38,90048,291,0003106
AJDFI13,100884,0006106
ARDCI44,6009,403,0001106
ASA Philippines333,40029,282,0001106
ASHI35,4005,231,0006106
ASKI60,00015,247,0004106
Bangko Kabayan8,9002,373,0002106
BSEI60073,0002106
CBI8,1002,010,0005106
CCT70,3009,504,0004106
CEV35,4005,111,0004106
DSPI59,3003,676,0003106
ECLOF5,4001,836,0004106
FCB12,0002,392,0002106
FMB2,700710,0002106
GM Bank23,5001,553,0003106
HSPFI19,1001,899,0002106
JVOFI1,300281,0001106
Katipunan Bank42,1005,325,0002106
KDCI20,5002,095,0003106
KGI32,3003,421,0004106
KMBI245,00015,098,0001106
LTMPC37,4008,935,0003106
Mallig Plains6,500641,0002106
MILAMDEC29,8003,278,0002106
MWIMPC11,8001,740,0004105
NWTF105,50012,698,0005106
OFMPC4,400964,0001106
PBC50,70010,434,0004106
PCSD700167,0001106
PMPC23,5005,565,0008106
RB Angeles9001,502,0002106
RB Labason500289,0001106
RBLI5,2001,026,0002106
RBMI11,9001,750,0002106
RMB100173,0001106
RSPI39,6002,834,0004106
SAFRAGEMC1,100229,0001106
Salve10,9001,191,0003106
SEDP27,0003,914,0003106
TSKI212,90025,187,0002106
TSPI264,50031,290,0007106
Valient1,700672,0002106
Please note that the information you are viewing is 87 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

AIDEZ Small Project International HSN C191/18, AbelemkpeAccra, Greater Accra
Data approved: 2013-03-26
Data version: 2
Age of data: 87 months

Product

SME Loan Product 4 of 8 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 7,350
Portfolio (USD)USD 3,730.96
Active Clients with Loans170
Approximate % Female Clients80% - 100%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Designed for small and medium sized enterprises for business expansion. Loan ranges from GHS 1000-5000.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visitsx
Business trainingx
Other training
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
OtherMust be a graduate from a small group loan
Other (2)Must provide guarantor
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActiveGreater Accra Region, Volta Region

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 1,500
Maximum loan size5,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,0000
GHS 1,000-5,000100%
GHS 5,000-7,5000
GHS 7,500-10,0000
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term8.0 months
Approx average5.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months40%
Between 7 and 9 months60%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular paymentsx

Pricing Information

Interest
Lowest quoted nominal interest4.00%
Highest quoted nominal interest4.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min4.00%
% of loan amount - max4.00%
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
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited15.00% - 20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

SME Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountGHS 1,500GHS 1,500GHS 2,800GHS 2,900
Loan Cycle (1, 2, 3, etc)Not Known233
Disbursement Date2013-04-182012-12-262012-12-262012-12-26
Loan Term (Months)4.4 months3.5 months4.7 months5.6 months
Grace Period (Months)0.2 months0.2 months0.2 months0.2 months
Total Cost of CreditGHS 436.20GHS 300GHS 683.14GHS 823.71
True Price by Comp       
Interest price component114.4%92.7%90.2%90.3%
Fee Component21.6%26.2%20.5%17.6%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component46.6%55.7%52.0%50.0%
Full APR (int fee ins tax dep)182.6%174.6%162.7%157.9%
Transparency Index26272930
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
SME Loan Price Graphs


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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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