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Institution

Agora Microfinance Zambia Plot No 3807 Kwacha Road, OlympiaPO Box 745, Post Net Manda HillLusaka
Data approved: 2012-04-03
Data version: 1
Age of data: 109 months

Institution

Sinapi Aba Trust 22A Ellis Avenue Nhyiaeso, near Capital RadioKumasi, AshantiP.O. Box 4911
Data approved: 2013-03-13
Data version: 2
Age of data: 85 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established2010
Head of InstitutionMaluba Handahu-Wakung'uma
Regions active
# Branches2

Total Portfolio (nat'l)ZMK 3,373,101,754
Total Portfolio (USD)USD 651,807.10
Active clients with loans4,950
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliations
FundersMoringaway, Concern Worldwide

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.sinapiaba.com/
Year established1994
Head of InstitutionAnthony Gyasi-Fosu
Regions activeGreater Accra Region, Central Region, Western Region, Eastern Region, Volta Region, Ashanti Region, Brong Ahafo Region, Northern Region, Upper East Region, Upper West Region
# Branches48

Total Portfolio (nat'l)GHS 57,838,603
Total Portfolio (USD)USD 29,359,696.95
Active clients with loans148,020
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsOpportunity International, GHAMFIN, Mix Market, ASSFIN
FundersBlue Orchard, Symbotics, Kolibre Capital, Tridos

Loan Products » Summary

1,418 Borrowers
USD 225,924.64 Portfolio
Active Product
3,532 Borrowers
USD 425,675.36 Portfolio
Active Product

Loan Products » Summary

4,150 Borrowers
USD 1,078,246.19 Portfolio
Active Product
SME
519 Borrowers
USD 1,896,553.30 Portfolio
Active Product
45,929 Borrowers
USD 11,445,623.86 Portfolio
Active Product
97,009 Borrowers
USD 14,939,274.11 Portfolio
Active Product
Retired Product

Loan Products » Conditions

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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Individual GHS 100 - 5,000 6 - 12 80% - 100% 60% - 80% Business, Housing, Education, Micro School, Special Agric Loan Women, Men, Have business Credit Educ, Group Mtgs, Business Training
SME GHS 5,000 - 50,000 6 - 12 60% - 80% 80% - 100% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Solidarity GHS 1,000 - 4,000 0.5 - 10 80% - 100% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Health Education
Trust Bank GHS 200 - 900 6 - 10 80% - 100% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Individual 20.00%-40.00% annual, Flat 2 Fees 1 Ins None 10.00% upfront 64.3% - 75.8% 78.7% - 91.5% 22
SME 36.00%-40.00% annual, Flat 2 Fees 1 Ins None 10.00% upfront 56.6% - 76.6% 69.6% - 94.5% 43
Solidarity 22.00%-39.00% annual, Flat 2 Fees 1 Ins None 10.00% upfront 69.2% - 75.4% 84.8% - 93.1% 24
Trust Bank 22.00%-39.00% annual, Flat 2 Fees 1 Ins None 10.00% upfront 76.8% - 79.4% 94.4% - 97.8% 22

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Individual 20.00%-40.00% annual, Flat 2 Fees 1 Ins Ins None 10.00% upfront 64.3% - 75.8% 78.7% - 91.5% 22
SME 36.00%-40.00% annual, Flat 2 Fees 1 Ins Ins None 10.00% upfront 56.6% - 76.6% 69.6% - 94.5% 43
Solidarity 22.00%-39.00% annual, Flat 2 Fees 1 Ins Ins None 10.00% upfront 69.2% - 75.4% 84.8% - 93.1% 24
Trust Bank 22.00%-39.00% annual, Flat 2 Fees 1 Ins Ins None 10.00% upfront 76.8% - 79.4% 94.4% - 97.8% 22
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