| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 2002 |
| Head of Institution | JOSE JULIO GUALOTUÑA LEMA |
| Regions active | |
| # Branches | 9 |
| Total Portfolio (nat'l) | USD 11,870,227.05 |
| Total Portfolio (USD) | USD 11,870,227.05 |
| Active clients with loans | 6,420 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | FECOAC, Red Financiera Rural, COLAC, Financoop |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microluz | USD 1,500 - 10,000 | 1 - 24 | 40% - 60% | 40% - 60% | Business, Capital de tyrabajo, compra de activos, pago de de, Actividades inherentes al negocio | Women, Men, Have business, existencia minima del negocio de un año | Credit Ins | |||||||
| Oportuno | USD 350 - 1,500 | 1 - 12 | 40% - 60% | 20% - 40% | Any Purpose | Women, Men, Have business | Credit Ins | |||||||
| Quirofario | USD 500 - 20,000 | 1 - 72 | 40% - 60% | 40% - 60% | Any Purpose | Women, Men, Salaried worker, propietario de casa si el monto es superior a $5,000 | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microluz | 19.0%-25.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 10.0% upfront | 20.3% - 25.3% | 22.8% - 28.4% | 77 | ||||||||
| Oportuno | 22.5%-26.0% annual, Decl Bal | 0 Fees | 2 Ins | None | 10.0% upfront | 24.3% - 24.7% | 27.2% - 27.6% | 82 | ||||||||
| Quirofario | 13.6%-13.8% annual, Decl Bal | 0 Fees | 1 Ins | None | 10.0% upfront | 13.9% - 14% | 15.7% - 15.9% | 86 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| AGFS | 200 | 47,000 | 2 | 144 |
| Ahantaman RB | 23,800 | 9,896,000 | 4 | 126 |
| APED | 13,700 | 1,876,000 | 2 | 126 |
| ASA Initiative | 4,400 | 577,000 | 4 | 126 |
| ASA-Ghana | 71,600 | 18,385,000 | 2 | 126 |
| ASPI | 800 | 88,000 | 6 | 126 |
| Atwima Kwanwoma | 3,800 | 1,788,000 | 2 | 126 |
| Baobab | 5,100 | 967,000 | 2 | 126 |
| BestFUND | 13,000 | 4,172,000 | 3 | 126 |
| Bonzali Rural | 10,400 | 1,691,000 | 4 | 144 |
| CashPhase | 83 | 135,000 | 2 | 126 |
| CASUD | 1,100 | 524,000 | 1 | 126 |
| CEDEF | 500 | 54,000 | 4 | 126 |
| CFF | 100 | 13,000 | 1 | 126 |
| CRAN | 3,600 | 1,019,000 | 2 | 126 |
| DQF | 1,700 | 63,000 | 2 | 126 |
| EASL | 9,200 | 11,409,000 | 6 | 126 |
| East Mamprusi | 12,500 | 2,268,000 | 4 | 126 |
| ELDA | 0 | 0 | 0 | 126 |
| EMPRETEC Ghana | 200 | 56,000 | 2 | 126 |
| FASL | 13,500 | 14,047,000 | 8 | 126 |
| Grameen Ghana | 9,500 | 507,000 | 3 | 126 |
| ID-Ghana | 5,600 | 953,000 | 3 | 126 |
| Innovative Finance | 2,700 | 354,000 | 3 | 126 |
| Kraban Support | 7,700 | 781,000 | 5 | 144 |
| KRB | 4,000 | 6,350,000 | 3 | 126 |
| Lower Pra RB | 34,000 | 6,316,000 | 3 | 144 |
| Maata-N-Tudu | 12,000 | 941,000 | 4 | 126 |
| Mail Finance | 300 | 288,000 | 1 | 126 |
| Markaz | 0 | 0 | 0 | 126 |
| Markaz Al Bishara | 100 | 17,000 | 1 | 126 |
| MicrofinPlus Gh | 1,100 | 251,000 | 2 | 126 |
| Nwabiagya RB | 4,000 | 2,265,000 | 3 | 126 |
| OISL | 62,000 | 27,232,000 | 9 | 126 |
| Pro Credit | 0 | 0 | 0 | 126 |
| Rich Step | 100 | 101,000 | 1 | 126 |
| SAT | 147,600 | 29,359,000 | 4 | 126 |
| Sekam Trust | 600 | 137,000 | 2 | 126 |
| Simli Pong | 8,900 | 463,000 | 3 | 144 |
| SS Ghana | 200 | 35,000 | 1 | 126 |
| TCCU | 100 | 32,000 | 3 | 126 |
| The Bridge | 400 | 32,000 | 3 | 144 |
| Union RB | 3,800 | 2,361,000 | 4 | 126 |
| Key Statistics | |
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| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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