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Institution

Eclof International Zambia 7th Floor Kulima Tower BuildingKatunjila RoadLusaka10101
Data approved: 2011-12-12
Data version: 1
Age of data: 103 months

Institution

Nwabiagya Rural Bank Limited KumasiAshanti RegionPO Box B170
Data approved: 2013-03-02
Data version: 2
Age of data: 79 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.eclof.org/
Year established1993
Head of InstitutionAnthony Moonga
Regions active
# Branches0

Total Portfolio (nat'l)ZMK 568,000,000
Total Portfolio (USD)USD 109,758.45
Active clients with loans462
Approximate % female clients60% - 80%
Approximate % urban clients80% - 100%
Network affiliationsAMIZ, Eclof International
Funders

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://www.nrbank.org
Year established1987
Head of InstitutionNuamah-Danquah Samuel
Regions activeAshanti Region
# Branches7

Total Portfolio (nat'l)GHS 4,463,063.91
Total Portfolio (USD)USD 2,265,514.68
Active clients with loans4,099
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsARB Apex Bank, GHAMFIN
FundersSCIMP/IFAD, SPEED, ARB Apex Bank

Loan Products » Summary

125 Borrowers
USD 26,628.02 Portfolio
Active Product
SME
40 Borrowers
USD 39,806.76 Portfolio
Low Volume Product
35 Borrowers
USD 24,985.51 Portfolio
Low Volume Product
28 Borrowers
USD 19,903.38 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

2,144 Borrowers
USD 209,913.56 Portfolio
Active Product
818 Borrowers
USD 1,426,502.20 Portfolio
Active Product
1,137 Borrowers
USD 629,098.91 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Solidarity Group Loan ZMK 300,000 - 2,000,000 3 - 12 60% - 80% 80% - 100% Business Women, Men, Have business Group Mtgs, Tech Asst Visits, Business Training, Other Training
Individual Loan ZMK 4,500,000 - 7,000,000 3 - 12 60% - 80% 80% - 100% Business Women, Men, Have business Other Training
Salary Guaranteed Loan ZMK 1,500,000 - 10,000,000 1 - 12 40% - 60% 80% - 100% Any Purpose Women, Men, Salaried worker Group Mtgs, Other Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Group Lending GHS 200 - 1,500 6 - 12 40% - 60% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Tech Asst Visits
Micro Enterprise Loan GHS 200 - 10,000 6 - 12 20% - 40% 80% - 100% Business Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training
Susu Loan GHS 200 - 10,000 6 40% - 60% 60% - 80% Business, Other, Petty Traders Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Other Training, Personal hygiene & health education

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Solidarity Group Loan 60.0% annual, Flat 2 Fees 2 Ins None 25.0% upfront 140.2% - 201.6% 255.1% - 387.6% 20
Individual Loan 60.0% annual, Flat 2 Fees 2 Ins None 25.0% upfront 110.8% - 119.4% 180.1% - 205.1% 30
Salary Guaranteed Loan 96.0% annual, Flat 1 Fee 1 Ins None N/A 170.9% - 177.7% 176% - 187.3% 53

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Lending 28.1% annual, Flat 1 Fee 1 Ins None 20.0% upfront 47.8% 73.3% 38
Micro Enterprise Loan 28.1% annual, Flat 1 Fee 1 Ins None 20.0% upfront 52.2% - 54% 82.1% - 85.9% 33
Susu Loan 28.1% annual, Flat 1 Fee 1 Ins None 33.3% upfront 53.1% - 54% 121.1% - 123.6% 23

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Solidarity Group Loan 60.0% annual, Flat 2 Fees 2 Ins Ins None 25.0% upfront 140.2% - 201.6% 255.1% - 387.6% 20
Individual Loan 60.0% annual, Flat 2 Fees 2 Ins Ins None 25.0% upfront 110.8% - 119.4% 180.1% - 205.1% 30
Salary Guaranteed Loan 96.0% annual, Flat 1 Fee 1 Ins Ins None N/A 170.9% - 177.7% 176% - 187.3% 53

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Lending 28.1% annual, Flat 1 Fee 1 Ins Ins None 20.0% upfront 47.8% 73.3% 38
Micro Enterprise Loan 28.1% annual, Flat 1 Fee 1 Ins Ins None 20.0% upfront 52.2% - 54% 82.1% - 85.9% 33
Susu Loan 28.1% annual, Flat 1 Fee 1 Ins Ins None 33.3% upfront 53.1% - 54% 121.1% - 123.6% 23
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