| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.daasgift.org/ |
| Year established | 2006 |
| Head of Institution | Mrs Gifty Baaba Asmah |
| Regions active | Western Region |
| # Branches | 2 |
| Total Portfolio (nat'l) | GHS 254,310 |
| Total Portfolio (USD) | USD 129,091.37 |
| Active clients with loans | 3,862 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | GHAMFIN, ASSFIN, AGSI, Microcredit Summit Campaign |
| Funders | E&CO, CHF International, Global Giving, Coastal Resource Centre |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.concernuniversal.org/ |
| Year established | 2000 |
| Head of Institution | Ezikiel Phiri |
| Regions active | Dedza, Dowa, Lilongwe, Ntcheu, Salima, Balaka, Chiradzulu, MachingaMangochi, Mulanje, Nsanje |
| # Branches | 2 |
| Total Portfolio (nat'l) | MWK 231,643,414 |
| Total Portfolio (USD) | USD 593,957.47 |
| Active clients with loans | 48,013 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | MAMN, The MIX Market |
| Funders | Concern Universal, USAID, UNDP UNCDF through FIMA, Irish Aid |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Energy (Clean Cookstoves) | GHS 100 - 2,000 | 3 - 6 | 80% - 100% | 60% - 80% | Business, Consumer | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
| Energy (Solar Lanterns) | GHS 80 - 950 | 3 - 6 | 40% - 60% | 80% - 100% | Business, Consumer | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fumba (Agricultural Loan) | MWK 10,000 - 50,000 | 6 | 60% - 80% | 0% - 20% | Business, Used for only working capital purpose | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training, Environmental & HIV & AIDS education | |||||||
| Masika (Village Enterprise Loan) | MWK 2,000 - 200,000 | 4 - 6 | 60% - 80% | 0% - 20% | Business, Used for only working capital purpose | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Business Training, Environmental and HIV-AIDS Education |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Energy (Clean Cookstoves) | 24.00%-36.00% annual, Flat | 0 Fees | 0 Ins | None | N/A | 66.5% - 68.1% | 66.5% - 68.1% | 35 | ||||||||
| Energy (Solar Lanterns) | 24.00%-36.00% annual, Flat | 0 Fees | 0 Ins | None | 10.00% upfront | 39.3% - 59.1% | 46.7% - 70% | 41 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fumba (Agricultural Loan) | 60.00% annual, Flat | 1 Fee | 1 Ins | None | 5.00% upfront | 71.1% | 80.3% | 74 | ||||||||
| Masika (Village Enterprise Loan) | 54.00%-72.00% annual, Flat | 1 Fee | 1 Ins | None | 5.00% upfront | 104.4% | 125.1% | 43 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Energy (Clean Cookstoves) | 24.00%-36.00% annual, Flat | 0 Fees | 0 Ins Ins | None | N/A | 66.5% - 68.1% | 66.5% - 68.1% | 35 | ||||||||
| Energy (Solar Lanterns) | 24.00%-36.00% annual, Flat | 0 Fees | 0 Ins Ins | None | 10.00% upfront | 39.3% - 59.1% | 46.7% - 70% | 41 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fumba (Agricultural Loan) | 60.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.00% upfront | 71.1% | 80.3% | 74 | ||||||||
| Masika (Village Enterprise Loan) | 54.00%-72.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.00% upfront | 104.4% | 125.1% | 43 |
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