Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
AGFS	200	47,000	2	151
Ahantaman RB	23,800	9,896,000	4	133
APED	13,700	1,876,000	2	133
ASA Initiative	4,400	577,000	4	133
ASA-Ghana	71,600	18,385,000	2	133
ASPI	800	88,000	6	133
Atwima Kwanwoma	3,800	1,788,000	2	133
Baobab	5,100	967,000	2	133
BestFUND	13,000	4,172,000	3	133
Bonzali Rural	10,400	1,691,000	4	151
CashPhase	83	135,000	2	133
CASUD	1,100	524,000	1	133
CEDEF	500	54,000	4	133
CFF	100	13,000	1	133
CRAN	3,600	1,019,000	2	133
DQF	1,700	63,000	2	133
EASL	9,200	11,409,000	6	133
East Mamprusi	12,500	2,268,000	4	133
ELDA	0	0	0	133
EMPRETEC Ghana	200	56,000	2	133
FASL	13,500	14,047,000	8	133
Grameen Ghana	9,500	507,000	3	133
ID-Ghana	5,600	953,000	3	133
Innovative Finance	2,700	354,000	3	133
Kraban Support	7,700	781,000	5	151
KRB	4,000	6,350,000	3	133
Lower Pra RB	34,000	6,316,000	3	151
Maata-N-Tudu	12,000	941,000	4	133
Mail Finance	300	288,000	1	133
Markaz	0	0	0	133
Markaz Al Bishara	100	17,000	1	133
MicrofinPlus Gh	1,100	251,000	2	133
Nwabiagya RB	4,000	2,265,000	3	133
OISL	62,000	27,232,000	9	133
Pro Credit	0	0	0	133
Rich Step	100	101,000	1	133
SAT	147,600	29,359,000	4	133
Sekam Trust	600	137,000	2	133
Simli Pong	8,900	463,000	3	151
SS Ghana	200	35,000	1	133
TCCU	100	32,000	3	133
The Bridge	400	32,000	3	151
Union RB	3,800	2,361,000	4	133

Loan Conditions

Loan Amount

Currency	USD
Minimum loan size	USD 1,000
Maximum loan size	37,500

Loan Term and Grace Period

Shortest loan term	12.0 months
Longest loan term	180.0 months
Approx average	120.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	0
Between 7 and 9 months	0
Between 10 and 12 months	0
Between 13 and 18 months	10%
Longer than 18 months	90%

Grace Period

Grace period usage	0
Average grace period	3.0 months

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Upfront Fees

	Fee 1
Description	Processing Fee
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	30
Fixed amount - max	150
Reason for variation	Depends on loan purpose. Home Improvement = $30 min-1.5% max. Home Loan = $150 min-1.5% max
Appears on Repayment Sched?	Yes

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

	Ins 1
Description	Annual Fire & Personal Accident Fee
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	50
Fixed amount - max	100
Reason for variation	Depends on condition of house
Appears on Repayment Sched?	Yes

Compulsory Deposit

Required for	Never
Criteria	N/A
Is deposit indicated on the repayment schedule?	N/A
Do borrowers control deposit in their group?	N/A

Deposit BEFORE or AT Disbursement

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?

No

Additional Comments

For the clients who chose to pay the insurance fee through First Finance. The MFI pays at the beginning of the year and the clients repays the insurance fee in the monthly installments. For the clients who agreed to pay the insurance fee directly to the insurance company at beginning of the year, the repayment schedule shows no apparent insurance fee.

Housing Loan Price Graphs