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Institution

Wisdom Microfinance Institution S.Co Bole Sub CityAddis Ababa31478
Data approved: 2012-03-12
Data version: 1
Age of data: 130 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1998
Head of InstitutionWorku Tsega
Regions active
# Branches51

Total Portfolio (nat'l)ETB 119,816,176
Total Portfolio (USD)USD 6,511,748.70
Active clients with loans45,331
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsAEMFI, Vision Fund International
FundersWorld Vision

Loan Products » Summary

243 Borrowers
USD 44,990.27 Portfolio
Active Product
34,703 Borrowers
USD 4,164,431.74 Portfolio
Active Product
5,095 Borrowers
USD 382,694.08 Portfolio
Active Product
3,354 Borrowers
USD 261,871.36 Portfolio
Active Product
61 Borrowers
USD 6,850.54 Portfolio
Active Product
1,875 Borrowers
USD 639,486.30 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agri-business Loan ETB 3,000 - 5,000 6 - 12 60% - 80% 0% - 20% Business, Agriculture Women, Men Credit Educ, Group Mtgs, Credit Ins
Agricultural Loan ETB 2,500 - 4,500 6 - 12 60% - 80% 0% - 20% Business, Agriculture Women, Men, 75% of group members has to be women Credit Educ, Group Mtgs, Credit Ins
Business Loan ETB 3,000 - 5,000 6 - 12 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Consumption Loan ETB 3,000 - 5,000 10 - 24 60% - 80% 20% - 40% Any Purpose Men, Salaried worker Credit Educ, Group Mtgs
Enterprise loan ETB 4,500 - 8,000 9 - 12 60% - 80% 80% - 100% Business Women, Men, Have business, Must have at least one employee, Must have at least a certain minimum capital limit. Credit Educ, Group Mtgs, Credit Ins
Individual Loan ETB 4,000 - 50,000 9 - 24 60% - 80% 80% - 100% Business Women, Men Credit Educ, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agri-business Loan 17.5% annual, Flat 1 Fee 1 Ins None 10.0% upfront 10.00 ongoing 38.7% 55.6% 31
Agricultural Loan 19.5% annual, Flat 1 Fee 1 Ins None 15.0% upfront 10.00 ongoing 22.1% 28.1% 69
Business Loan 15.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 10.00 ongoing 33.2% 47.3% 32
Consumption Loan 17.5% annual, Flat 1 Fee 1 Ins None 15.0% upfront 38.7% 56.2% 31
Enterprise loan 15.0% annual, Flat 1 Fee 0 Ins None 10.0% upfront 10.00 ongoing 22.9% - 31.9% 30.1% - 76.9% 35
Individual Loan 15.0% annual, Flat 1 Fee 1 Ins None N/A 31.6% - 32.9% 35.8% - 38.8% 41
Institution Price Graph
Institution # Borrowers Portfolio (US$) Products Age of Data
AGFS20047,0002133
Ahantaman RB23,8009,896,0004115
APED13,7001,876,0002115
ASA Initiative4,400577,0004115
ASA-Ghana71,60018,385,0002115
ASPI80088,0006115
Atwima Kwanwoma3,8001,788,0002115
Baobab5,100967,0002115
BestFUND13,0004,172,0003115
Bonzali Rural10,4001,691,0004133
CashPhase83135,0002115
CASUD1,100524,0001115
CEDEF50054,0004115
CFF10013,0001115
CRAN3,6001,019,0002115
DQF1,70063,0002115
EASL9,20011,409,0006115
East Mamprusi12,5002,268,0004115
ELDA000115
EMPRETEC Ghana20056,0002115
FASL13,50014,047,0008115
Grameen Ghana9,500507,0003115
ID-Ghana5,600953,0003115
Innovative Finance2,700354,0003115
Kraban Support7,700781,0005133
KRB4,0006,350,0003115
Lower Pra RB34,0006,316,0003133
Maata-N-Tudu12,000941,0004115
Mail Finance300288,0001115
Markaz000115
Markaz Al Bishara10017,0001115
MicrofinPlus Gh1,100251,0002115
Nwabiagya RB4,0002,265,0003115
OISL62,00027,232,0009115
Pro Credit000115
Rich Step100101,0001115
SAT147,60029,359,0004115
Sekam Trust600137,0002115
Simli Pong8,900463,0003133
SS Ghana20035,0001115
TCCU10032,0003115
The Bridge40032,0003133
Union RB3,8002,361,0004115
Caps / Zoom options
Key Statistics
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# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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