| Institution Type | RurBank |
| Is this institution regulated? | Yes |
| Website address | http://www.nrbank.org |
| Year established | 1987 |
| Head of Institution | Nuamah-Danquah Samuel |
| Regions active | Ashanti Region |
| # Branches | 7 |
| Total Portfolio (nat'l) | GHS 4,463,063.91 |
| Total Portfolio (USD) | USD 2,265,514.68 |
| Active clients with loans | 4,099 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | ARB Apex Bank, GHAMFIN |
| Funders | SCIMP/IFAD, SPEED, ARB Apex Bank |
| 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 |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Lending | GHS 200 - 1,500 | 6 - 12 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Tech Asst Visits | |||||||
| Micro Enterprise Loan | GHS 200 - 10,000 | 6 - 12 | 20% - 40% | 80% - 100% | Business | Women, Men, Have business | Credit Educ, Tech Asst Visits, Business Training | |||||||
| Susu Loan | GHS 200 - 10,000 | 6 | 40% - 60% | 60% - 80% | Business, Other, Petty Traders | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Other Training, Personal hygiene & health education |
| 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 | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Lending | 28.1% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront | 47.8% | 73.3% | 38 | ||||||||
| Micro Enterprise Loan | 28.1% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront | 52.2% - 54% | 82.1% - 85.9% | 33 | ||||||||
| Susu Loan | 28.1% annual, Flat | 1 Fee | 1 Ins | None | 33.3% upfront | 53.1% - 54% | 121.1% - 123.6% | 23 |
| 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Lending | 28.1% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.0% upfront | 47.8% | 73.3% | 38 | ||||||||
| Micro Enterprise Loan | 28.1% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.0% upfront | 52.2% - 54% | 82.1% - 85.9% | 33 | ||||||||
| Susu Loan | 28.1% annual, Flat | 1 Fee | 1 Ins Ins | None | 33.3% upfront | 53.1% - 54% | 121.1% - 123.6% | 23 |
| 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 |
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