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Institution

Harbu MFI Bole Sub CityAddis AbabaPO Box 13460
Data approved: 2012-04-12
Data version: 1
Age of data: 149 months

Institution

Kumanwuman Rural Bank Limited P.O.Box 33Kumawu-AshantiKumasi, Ashanti233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established2005
Head of InstitutionMr Tesfaye Befekadu
Regions active
# Branches13

Total Portfolio (nat'l)ETB 32,345,500
Total Portfolio (USD)USD 1,757,907.61
Active clients with loans22,473
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsAEMFI, MAIN
FundersTerrafina, SOS Faim, Promic, KNH

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addressN/A
Year established1982
Head of InstitutionC.K Ablerdu
Regions active0
# Branches9

Total Portfolio (nat'l)GHS 6,917,462
Total Portfolio (USD)USD 4,611,641.33
Active clients with loans4,110
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsARB Apex, GHAMFIN
FundersSPEED Ghana, MiDA, MASLOC

Loan Products » Summary

15,732 Borrowers
USD 1,055,438.64 Portfolio
Active Product
6,741 Borrowers
USD 702,468.97 Portfolio
Active Product

Loan Products » Summary

1,109 Borrowers
USD 1,693,333 Portfolio
Active Product
1,233 Borrowers
USD 1,210,667 Portfolio
Active Product
1,438 Borrowers
USD 950,667 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Loan ETB 1,000 - 6,000 8 - 12 40% - 60% 0% - 20% Business, Agriculture Women, Men Credit Educ, Business Training
Installment loan ETB 1,000 - 8,000 6 - 12 60% - 80% 60% - 80% Any Purpose Women, Men Credit Educ, Group Mtgs

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Commercial Loan GHS 500 - 90,000 6 - 18 20% - 40% 60% - 80%
Salary Loan GHS 200 - 6,000 6 - 18 20% - 40% 60% - 80%
Susu Loan GHS 50 - 20,000 3 - 12 60% - 80% 40% - 60%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 18.0% annual, Flat 1 Fee 1 Ins None 5.0% upfront 1.00% ongoing 19.7% - 19.8% 21.7% - 22.6% 81
Installment loan 13.0% annual, Flat 1 Fee 1 Ins None 5.0% upfront 1.00% ongoing 29% - 29.1% 36.7% - 36.9% 35

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Commercial Loan 28.00%-0.00% annual, Flat 1 Fee 0 Ins 38.1% - 65% 68.4% - 113.1% 28
Salary Loan 30.00%-0.00% annual, Flat 2 Fees 0 Ins 38.8% - 56.6% 45.6% - 66.6% 52
Susu Loan 28.00%-0.00% annual, Flat 1 Fee 0 Ins 50.1% - 58.3% 172% - 240.8% 12

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 18.0% annual, Flat 1 Fee 1 Ins Ins None 5.0% upfront 1.00% ongoing 19.7% - 19.8% 21.7% - 22.6% 81
Installment loan 13.0% annual, Flat 1 Fee 1 Ins Ins None 5.0% upfront 1.00% ongoing 29% - 29.1% 36.7% - 36.9% 35

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Commercial Loan 28.00%-0.00% annual, Flat 1 Fee 0 Ins Ins 38.1% - 65% 68.4% - 113.1% 28
Salary Loan 30.00%-0.00% annual, Flat 2 Fees 0 Ins Ins 38.8% - 56.6% 45.6% - 66.6% 52
Susu Loan 28.00%-0.00% annual, Flat 1 Fee 0 Ins Ins 50.1% - 58.3% 172% - 240.8% 12
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