2. Harmos
Please note that the information you are viewing is 157 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Pro Credit
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Harmos Microenterprise Development Ltd Baptist Training Center, Corner Makishi & Great East RdRhodesparkLusakaP.O. Box 33911
Data approved: 2011-12-12
Data version: 1
Age of data: 157 months

Institution

ProCredit Savings & Loans Company Ltd. P. O Box NT 328 Newtown, AccraAccra, Greater Accra
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established2003
Head of InstitutionNkosilathi Moyo
Regions active
# Branches0

Total Portfolio (nat'l)ZMK 7,227,940,834
Total Portfolio (USD)USD 1,396,703.54
Active clients with loans9,803
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsAssociation of Microfinance Institutions in Zambia
FundersWorld Vision, Cordaid

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.procredit.com.gh/
Year established2002
Head of InstitutionAndre Radloff
Regions active0
# Branches0

Total Portfolio (nat'l)GHS 39,657,346
Total Portfolio (USD)USD 26,438,230.67
Active clients with loans8,924
Approximate % female clients20% - 40%
Approximate % urban clients80% - 100%
Network affiliationsProCredit Group
FundersProCredit Holding, Frankfurt- Germany, DOEN Foundation, Amsterdam

Loan Products » Summary

Agriculture
549 Borrowers
USD 76,404.95 Portfolio
Active Product
Business
9,244 Borrowers
USD 1,320,270.09 Portfolio
Active Product
Bicycle
16 Borrowers
USD 2,009.66 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

Agro Loans
1,728 Borrowers
USD 5,237,120 Portfolio
Active Product
Business Loans
6,818 Borrowers
USD 19,143,423 Portfolio
Active Product
Personal Loan
14 Borrowers
USD 16,397 Portfolio
Active Product
ProCredit Line (Overdraft)
120 Borrowers
USD 1,441,363 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan ZMK 750,000 - 2,500,000 4 - 24 40% - 60% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training
Business Loan ZMK 500,000 - 90,000,000 3 - 12 60% - 80% 20% - 40% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agro Loans GHS 2,000 - 150,000 1 - 60 0% - 20% 0% - 20%
Business Loans GHS 2,000 - 45,000 3 - 48 40% - 60% 80% - 100%
Personal Loan 0 0 20% - 40% 80% - 100%
ProCredit Line (Overdraft) GHS 2,000 - 150,000 1 - 12 40% - 60% 80% - 100%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 51.0%-63.0% annual, Flat 2 Fees 1 Ins None N/A 99.3% - 104.2% 105.6% - 108.1% 47
Business Loan 51.0%-63.0% annual, Flat 2 Fees 1 Ins None 18.0% upfront 86.6% - 102.1% 124% - 144.9% 37

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agro Loans 30.00%-0.00% annual, Decl Bal 1 Fee 0 Ins N/A 43.8% - 54% 43.8% - 54% 63
Business Loans 33.00%-0.00% annual, Decl Bal 1 Fee 0 Ins N/A 56.6% - 76.1% 56.6% - 76.1% 47
Personal Loan 0.00% annual, 0 0 Fees 0 Ins 33.1% - 33.7% 33.1% - 33.7%
ProCredit Line (Overdraft) 39.60%-0.00% annual, Decl Bal 2 Fees 0 Ins N/A 0% 0%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 51.0%-63.0% annual, Flat 2 Fees 1 Ins Ins None N/A 99.3% - 104.2% 105.6% - 108.1% 47
Business Loan 51.0%-63.0% annual, Flat 2 Fees 1 Ins Ins None 18.0% upfront 86.6% - 102.1% 124% - 144.9% 37

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agro Loans 30.00%-0.00% annual, Decl Bal 1 Fee 0 Ins Ins N/A 43.8% - 54% 43.8% - 54% 63
Business Loans 33.00%-0.00% annual, Decl Bal 1 Fee 0 Ins Ins N/A 56.6% - 76.1% 56.6% - 76.1% 47
Personal Loan 0.00% annual, 0 0 Fees 0 Ins Ins 33.1% - 33.7% 33.1% - 33.7%
ProCredit Line (Overdraft) 39.60%-0.00% annual, Decl Bal 2 Fees 0 Ins Ins N/A 0% 0%
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