| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | N/A |
| Website address | N/A |
| Year established | 2003 |
| Head of Institution | SIKU NKHOMA |
| Regions active | 0 |
| # Branches | 1 |
| Total Portfolio (nat'l) | MWK 110,429,000 |
| Total Portfolio (USD) | USD 736,193.33 |
| Active clients with loans | 2,422 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | SLUM DWELLERS INTERNATIONAL, MALAWI MICRO FINANCE NETWORK, MALAWI HOMELESS PEOPLE'S FEDERATION |
| Funders | SLUM DWELLERS INTERNATIONAL, HOMELESS INTERNATIONAL, AFRICAN DEVELOPMENT BANK, WASTE |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.idghana.org/ |
| Year established | 1998 |
| Head of Institution | Stephen Mawuli Kwesi Dugbazah |
| Regions active | Greater Accra Region |
| # Branches | 5 |
| Total Portfolio (nat'l) | GHS 1,879,142 |
| Total Portfolio (USD) | USD 953,879.19 |
| Active clients with loans | 5,689 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | GHAMFIN, ASSFIN, AMT |
| Funders | Entrepreneurs du Monde, Air Liquide, TECHNIP, French Embassy |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | MWK 10,000 - 30,000 | 1 - 6 | 80% - 100% | 80% - 100% | ||||||||||
| Home Improvement Loan | MWK 20,000 - 80,000 | 1 - 24 | 80% - 100% | 80% - 100% | ||||||||||
| Home Loan | MWK 100,000 - 250,000 | 1 - 96 | 80% - 100% | 80% - 100% | ||||||||||
| Sanitation Loan | MWK 25,000 - 40,000 | 24 | 80% - 100% | 80% - 100% |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Front Desk | GHS 100 - 5,000 | 3 - 9 | 80% - 100% | 80% - 100% | Business | Women, Men, Have business | Credit Educ, Business Training, Other Training, Life skill training, counciling, and referral services. | |||||||
| Kick Start | GHS 20 - 200 | 6 | 80% - 100% | 80% - 100% | Business | Women | Credit Educ, Group Mtgs, Business Training, Other Training, Life skill training, counciling, and referral services. | |||||||
| Onipa Nua (Each other's keepers) | GHS 100 - 5,000 | 3 - 9 | 80% - 100% | 80% - 100% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Business Training, Other Training, Life skill training, counciling, and referral services. |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 24.00% annual, Decl Bal | 0 Fees | 0 Ins | N/A | 17% - 17.2% | 17% - 17.2% | ||||||||||
| Home Improvement Loan | 12.00% annual, Decl Bal | 0 Fees | 0 Ins | N/A | 15.6% - 16.8% | 15.6% - 16.8% | ||||||||||
| Home Loan | 12.00% annual, Decl Bal | 0 Fees | 0 Ins | N/A | 11.3% - 11.7% | 11.3% - 11.7% | ||||||||||
| Sanitation Loan | 12.00% annual, Decl Bal | 0 Fees | 0 Ins | N/A | 16.1% - 16.8% | 16.1% - 16.8% |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Front Desk | 36.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 68.9% - 74.9% | 68.9% - 74.9% | 49 | ||||||||
| Kick Start | 0.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 0% | 0% | 100 | ||||||||
| Onipa Nua (Each other's keepers) | 36.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 70.3% - 71.2% | 70.3% - 71.2% | 50 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 24.00% annual, Decl Bal | 0 Fees | 0 Ins Ins | N/A | 17% - 17.2% | 17% - 17.2% | ||||||||||
| Home Improvement Loan | 12.00% annual, Decl Bal | 0 Fees | 0 Ins Ins | N/A | 15.6% - 16.8% | 15.6% - 16.8% | ||||||||||
| Home Loan | 12.00% annual, Decl Bal | 0 Fees | 0 Ins Ins | N/A | 11.3% - 11.7% | 11.3% - 11.7% | ||||||||||
| Sanitation Loan | 12.00% annual, Decl Bal | 0 Fees | 0 Ins Ins | N/A | 16.1% - 16.8% | 16.1% - 16.8% |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Front Desk | 36.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 68.9% - 74.9% | 68.9% - 74.9% | 49 | ||||||||
| Kick Start | 0.0% annual, Flat | 0 Fees | 0 Ins Ins | None | N/A | 0% | 0% | 100 | ||||||||
| Onipa Nua (Each other's keepers) | 36.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 70.3% - 71.2% | 70.3% - 71.2% | 50 |
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