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Institution

Empowerment Micro Finance institution ltd 72, Sikoongo RoadSiavonga, Zambia, Souther ProvinceP.O.BOX 183
Data approved: 2011-12-12
Data version: 1
Age of data: 102 months

Institution

Kraban Support Foundation Dome-AccraGreater AccraPO Box KD 83, Kanda
Data approved: 2011-12-07
Data version: 1
Age of data: 96 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.celim.it/
Year established2008
Head of InstitutionElisa Morrone
Regions active
# Branches2

Total Portfolio (nat'l)ZMK 2,360,550,702
Total Portfolio (USD)USD 456,145.06
Active clients with loans1,559
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsAmiz, Mix Market
FundersRural Finance Programme/IFAD, European Union, CeLIM NGO

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established1996
Head of InstitutionNana Opare-Dzan
Regions active
# Branches4

Total Portfolio (nat'l)GHS 1,539,492
Total Portfolio (USD)USD 781,468.02
Active clients with loans8,017
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsGHAMFIN, GAPVOD, ASSFIN, EMPRETEC Business Forum
FundersMiDA, International Alliance for Women, Social Investment Fund (SIF), KIVA, EB-ACCION, RHEMA

Loan Products » Summary

73 Borrowers
USD 38,260.87 Portfolio
Active Product
870 Borrowers
USD 343,257.28 Portfolio
Active Product
51 Borrowers
USD 18,014.51 Portfolio
Active Product
521 Borrowers
USD 46,667.90 Portfolio
Active Product
30 Borrowers
USD 1,352.66 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

857 Borrowers
USD 39,989.85 Portfolio
Active Product
1,070 Borrowers
USD 217,746.19 Portfolio
Active Product
4,430 Borrowers
USD 55,230.46 Portfolio
Active Product
188 Borrowers
USD 142,207.11 Portfolio
Active Product
1,236 Borrowers
USD 326,294.42 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Input Loan ZMK 2,000,000 - 6,000,000 10 - 11 20% - 40% 0% - 20% Business, Agriculture Women, Men, Small scale farmers, minimum one hectare Business Training, Microcredit Scheme
Individual Loan ZMK 500,000 - 7,000,000 4 - 12 40% - 60% 0% - 20% Business Women, Men, Have business Credit Ins, Household Approach, Monthly follow up of clients
Salary Backed Loan ZMK 500,000 - 7,000,000 2 - 10 20% - 40% 60% - 80% Any Purpose Women, Men, Salaried worker
Solidarity Group Loan ZMK 400,000 - 1,200,000 4 - 10 60% - 80% 0% - 20% Business Women, Men, Have business Record Keeping Training, Household Approach Training, Monthly Monitoring

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agape Loan GHS 100 - 250 6 80% - 100% 0% - 20% Business Women, Men Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Extra Mile Loan GHS 1,200 - 1,200 6 80% - 100% 0% - 20% Business Women, Men, Have business, Salaried worker, some have businesses, others are salary workers like teachers and nurses Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Green Energy Microfinance(GEM) Loan GHS 450 - 500 6 80% - 100% 0% - 20% Business, Housing, Other, Health clinic, corn milling business Women, Men Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Higher Heights Loan GHS 1,000 - 2,052 4 - 12 80% - 100% 80% - 100% Business, Farmers Men Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Training on access to green energy in their agro-processsing activities
Sika Rose Loan GHS 150 - 500 6 80% - 100% 80% - 100% Business, Agricultural produce marketing Women, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Input Loan 42.0% annual, Flat 0 Fees 1 Ins None N/A 56.6% - 56.8% 64.4% - 64.6% 65
Individual Loan 48.0% annual, Flat 1 Fee 0 Ins None N/A 69.7% - 82.9% 69.7% - 82.9% 62
Salary Backed Loan 30.0%-42.0% annual, Flat 1 Fee 0 Ins None N/A 48.9% - 50.6% 48.9% - 50.6% 60
Solidarity Group Loan 42.0%-60.0% annual, Flat 1 Fee 0 Ins None N/A 68.6% - 96% 68.6% - 96% 50

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agape Loan 20.00% annual, Flat 0 Fees 0 Ins None 10.00% upfront 61% - 64.7% 71.5% - 76.6% 27
Extra Mile Loan 40.00% annual, Flat 1 Fee 0 Ins None 10.00% upfront 64.7% 76.8% 52
Green Energy Microfinance(GEM) Loan 40.00% annual, Flat 1 Fee 0 Ins None 100.00 upfront 61% - 67.1% 86.8% - 96.3% 42
Higher Heights Loan 30.00% annual, Decl Bal 1 Fee 0 Ins None N/A 26% 26% 100
Sika Rose Loan 40.00% annual, Flat 1 Fee 0 Ins None 10.00% upfront 46.8% - 59.5% 53% - 67.1% 64

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Input Loan 42.0% annual, Flat 0 Fees 1 Ins Ins None N/A 56.6% - 56.8% 64.4% - 64.6% 65
Individual Loan 48.0% annual, Flat 1 Fee 0 Ins Ins None N/A 69.7% - 82.9% 69.7% - 82.9% 62
Salary Backed Loan 30.0%-42.0% annual, Flat 1 Fee 0 Ins Ins None N/A 48.9% - 50.6% 48.9% - 50.6% 60
Solidarity Group Loan 42.0%-60.0% annual, Flat 1 Fee 0 Ins Ins None N/A 68.6% - 96% 68.6% - 96% 50

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agape Loan 20.00% annual, Flat 0 Fees 0 Ins Ins None 10.00% upfront 61% - 64.7% 71.5% - 76.6% 27
Extra Mile Loan 40.00% annual, Flat 1 Fee 0 Ins Ins None 10.00% upfront 64.7% 76.8% 52
Green Energy Microfinance(GEM) Loan 40.00% annual, Flat 1 Fee 0 Ins Ins None 100.00 upfront 61% - 67.1% 86.8% - 96.3% 42
Higher Heights Loan 30.00% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 26% 26% 100
Sika Rose Loan 40.00% annual, Flat 1 Fee 0 Ins Ins None 10.00% upfront 46.8% - 59.5% 53% - 67.1% 64
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