| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | No |
| Website address | http://www.coacsantaanita.com/ |
| Year established | 2001 |
| Head of Institution | Edison Caicedo |
| Regions active | |
| # Branches | 4 |
| Total Portfolio (nat'l) | USD 2,536,758 |
| Total Portfolio (USD) | USD 2,536,758 |
| Active clients with loans | 2,047 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Red Financiera Rural, Ucacnor, Fecoac |
| Funders |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | n/a |
| Year established | 2008 |
| Head of Institution | Amadu Montia |
| Regions active | Northern Region |
| # Branches | 2 |
| Total Portfolio (nat'l) | GHS 1,905,561.29 |
| Total Portfolio (USD) | USD 967,289.99 |
| Active clients with loans | 5,143 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | GHAMFIN, GCSCA |
| Funders | MiDA |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Consumo | USD 100 - 15,000 | 1 - 48 | 60% - 80% | 20% - 40% | Any Purpose | Women, Men, Salaried worker | Credit Ins, Tech Asst Visits | |||||||
| Microagropecuario | USD 100 - 15,000 | 1 - 48 | 40% - 60% | 20% - 40% | Business, Usar solo para capital de trabajo | Women, Men | Credit Ins, Tech Asst Visits | |||||||
| Microempresarial | USD 100 - 15,000 | 1 - 49 | 40% - 60% | 20% - 40% | Business | Women, Men, Tener calificacion hasta B en central de riesgos o buro de credito | Credit Ins, Tech Asst Visits |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Support Loan | GHS 1,000 - 30,000 | 1 - 3 | 0% - 20% | 80% - 100% | Business | Women, Men, Have business, Have home or land | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
| Group Loan | GHS 100 - 1,000 | 4 | 80% - 100% | 80% - 100% | Business | Women, Have business, Must be a group member and must have lived in the community for at least one year, Must have group guarantee | Credit Educ, Group Mtgs, Health and nutrition training, Clean up exercises (sanitation) |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Consumo | 13.8% annual, Decl Bal | 2 Fees | 0 Ins | None | 6.7% upfront 5.00% ongoing | 14% - 15.2% | 15.6% - 22% | 77 | ||||||||
| Microagropecuario | 20.1%-25.0% annual, Decl Bal | 2 Fees | 0 Ins | None | 6.7% upfront | 20.3% - 26.9% | 22.5% - 36.2% | 71 | ||||||||
| Microempresarial | 20.1%-25.0% annual, Decl Bal | 2 Fees | 0 Ins | None | 6.7% upfront 5.00 ongoing | 18.8% - 26.9% | 20.7% - 41.2% | 69 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Support Loan | 60.00% annual, Flat | 1 Fee | 0 Ins | None | 10.00% upfront | 86.3% - 107.6% | 101.7% - 126.1% | 52 | ||||||||
| Group Loan | 36.00% annual, Flat | 0 Fees | 0 Ins | None | 10.00% upfront | 63.1% | 75.6% | 47 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Consumo | 13.8% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | 6.7% upfront 5.00% ongoing | 14% - 15.2% | 15.6% - 22% | 77 | ||||||||
| Microagropecuario | 20.1%-25.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | 6.7% upfront | 20.3% - 26.9% | 22.5% - 36.2% | 71 | ||||||||
| Microempresarial | 20.1%-25.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | 6.7% upfront 5.00 ongoing | 18.8% - 26.9% | 20.7% - 41.2% | 69 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Support Loan | 60.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 10.00% upfront | 86.3% - 107.6% | 101.7% - 126.1% | 52 | ||||||||
| Group Loan | 36.00% annual, Flat | 0 Fees | 0 Ins Ins | None | 10.00% upfront | 63.1% | 75.6% | 47 |
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