| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 2010 |
| Head of Institution | Maluba Handahu-Wakung'uma |
| Regions active | |
| # Branches | 2 |
| Total Portfolio (nat'l) | ZMK 3,373,101,754 |
| Total Portfolio (USD) | USD 651,807.10 |
| Active clients with loans | 4,950 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | |
| Funders | Moringaway, Concern Worldwide |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.daasgift.org/ |
| Year established | 2006 |
| Head of Institution | Mrs Gifty Baaba Asmah |
| Regions active | 0 |
| # Branches | 2 |
| Total Portfolio (nat'l) | GHS 96,292 |
| Total Portfolio (USD) | USD 64,194.67 |
| Active clients with loans | 1,424 |
| 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 |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| End of Term Loan | ZMK 400,000 - 1,500,000 | 6 - 12 | 40% - 60% | 0% | Business, Agriculture | Women, Men | Credit Educ, Group Mtgs | |||||||
| Flexi 1 | ZMK 400,000 - 2,000,000 | 3 - 12 | 40% - 60% | 0% | Business | Women, Men | Credit Educ, Group Mtgs |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Energy (Clean Cookstoves) | 0 | 0 | 80% - 100% | 60% - 80% | ||||||||||
| Group lending | GHS 50 - 1,000 | 4 - 6 | 80% - 100% | 40% - 60% | ||||||||||
| Managed Funds Loan | 0 | 0 | 80% - 100% | 0% - 20% |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| End of Term Loan | 60.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 7.0% upfront | 64.2% - 68.6% | 69.1% - 73.9% | 84 | ||||||||
| Flexi 1 | 66.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 10.0% upfront | 76% - 79.1% | 91% - 95.2% | 70 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Energy (Clean Cookstoves) | 0.00% annual, 0 | 0 Fees | 0 Ins | 69.9% - 83.8% | 69.9% - 83.8% | |||||||||||
| Group lending | 65.00%-0.00% annual, Flat | 1 Fee | 1 Ins | 139.1% - 143.6% | 228.8% - 238.8% | 27 | ||||||||||
| Managed Funds Loan | 0.00% annual, 0 | 0 Fees | 0 Ins | 82% - 82.4% | 135.7% - 136.3% |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| End of Term Loan | 60.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 7.0% upfront | 64.2% - 68.6% | 69.1% - 73.9% | 84 | ||||||||
| Flexi 1 | 66.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 10.0% upfront | 76% - 79.1% | 91% - 95.2% | 70 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Energy (Clean Cookstoves) | 0.00% annual, 0 | 0 Fees | 0 Ins Ins | 69.9% - 83.8% | 69.9% - 83.8% | |||||||||||
| Group lending | 65.00%-0.00% annual, Flat | 1 Fee | 1 Ins Ins | 139.1% - 143.6% | 228.8% - 238.8% | 27 | ||||||||||
| Managed Funds Loan | 0.00% annual, 0 | 0 Fees | 0 Ins Ins | 82% - 82.4% | 135.7% - 136.3% |
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