Institution # Borrowers Portfolio (US$) Products Age of Data
AGFS20047,0002146
Ahantaman RB23,8009,896,0004128
APED13,7001,876,0002128
ASA Initiative4,400577,0004128
ASA-Ghana71,60018,385,0002128
ASPI80088,0006128
Atwima Kwanwoma3,8001,788,0002128
Baobab5,100967,0002128
BestFUND13,0004,172,0003128
Bonzali Rural10,4001,691,0004146
CashPhase83135,0002128
CASUD1,100524,0001128
CEDEF50054,0004128
CFF10013,0001128
CRAN3,6001,019,0002128
DQF1,70063,0002128
EASL9,20011,409,0006128
East Mamprusi12,5002,268,0004128
ELDA000128
EMPRETEC Ghana20056,0002128
FASL13,50014,047,0008128
Grameen Ghana9,500507,0003128
ID-Ghana5,600953,0003128
Innovative Finance2,700354,0003128
Kraban Support7,700781,0005146
KRB4,0006,350,0003128
Lower Pra RB34,0006,316,0003146
Maata-N-Tudu12,000941,0004128
Mail Finance300288,0001128
Markaz000128
Markaz Al Bishara10017,0001128
MicrofinPlus Gh1,100251,0002128
Nwabiagya RB4,0002,265,0003128
OISL62,00027,232,0009128
Pro Credit000128
Rich Step100101,0001128
SAT147,60029,359,0004128
Sekam Trust600137,0002128
Simli Pong8,900463,0003146
SS Ghana20035,0001128
TCCU10032,0003128
The Bridge40032,0003146
Union RB3,8002,361,0004128
  2. DECSI
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Institution

Dedebit Credit and Savings Institution Head OfficeMekelePO Box 1074
Data approved: 2011-12-23
Data version: 1
Age of data: 146 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1997
Head of InstitutionAtakilt Kiros
Regions active
# Branches142

Total Portfolio (nat'l)ETB 1,800,000,000
Total Portfolio (USD)USD 97,826,086.96
Active clients with loans397,000
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsAEMFI, INAFI
FundersNPA Norweigan Peoples Aid, SOS Faim, A Glimmer of Hope

Loan Products » Summary

Business
5,000 Borrowers
USD 33,478,260.87 Portfolio
Active Product
Civil Serv
25,000 Borrowers
USD 4,293,478.26 Portfolio
Active Product
Ex-fighter
2,753 Borrowers
USD 543.48 Portfolio
Active Product
Housing
5,300 Borrowers
USD 8,206,521.74 Portfolio
Active Product
Regular
78,000 Borrowers
USD 14,184,782.61 Portfolio
Active Product
Rural
204,000 Borrowers
USD 27,880,434.78 Portfolio
Active Product
Urban
41,000 Borrowers
USD 8,260,869.57 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan ETB 15,000 - 5,000,000 12 - 60 20% - 40% 80% - 100% Business Women, Men, Have business Credit Educ
Civil Servant Loan ETB 1,000 - 50,000 12 - 36 20% - 40% 40% - 60% Any Purpose Women, Men, Salaried worker Credit Educ, Group Mtgs
Ex-fighters Association Loan ETB 10,000 - 10,000 36 20% - 40% 80% - 100% Any Purpose Women, Men, Ex-fighters association members Credit Educ
Housing Loan ETB 15,000 - 5,000,000 12 - 60 20% - 40% 80% - 100% Housing Women, Men Credit Educ
Regular Loan ETB 500 - 20,000 12 - 36 60% - 80% 80% - 100% Business Women, Men Credit Educ, Group Mtgs, Business Training
Rural Package Loan ETB 200 - 30,000 6 - 48 20% - 40% 0% - 20% Business, Agriculture Women, Men Credit Educ, Tech Asst Visits
Urban Package Loan ETB 500 - 10,000 12 - 36 60% - 80% 80% - 100% Any Purpose Women, Men Credit Educ, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 10.0% annual, Decl Bal 0 Fees 0 Ins None N/A 11.1% - 13.2% 11.1% - 13.2% 81
Civil Servant Loan 15.0% annual, Decl Bal 0 Fees 0 Ins None N/A 14% - 14.3% 14% - 14.3% 100
Ex-fighters Association Loan 15.0% annual, Decl Bal 0 Fees 0 Ins None N/A 14.1% 14.1% 100
Housing Loan 9.9% annual, Decl Bal 0 Fees 0 Ins None N/A 10.3% - 11% 10.3% - 11% 92
Regular Loan 18.0% annual, Decl Bal 0 Fees 0 Ins None N/A 16.7% - 17.6% 16.7% - 17.6% 100
Rural Package Loan 18.0% annual, Decl Bal 0 Fees 0 Ins None N/A 18% - 25.9% 18% - 25.9% 86
Urban Package Loan 18.0% annual, Decl Bal 0 Fees 0 Ins None N/A 9.7% 9.7% 100
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