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Institution

Punjab Rural Support Programme 33-Civic Centre, Mustafa TownLahore, Punjab
Data approved: 2013-09-05
Data version: 1
Age of data: 124 months

Institution

EB ACCION Savings and Loans Ltd No. 4 Nortei Ababio Street Roman RidgePMB CT 127, CantonmentsAccra, Greater Accra
Data approved: 2013-07-31
Data version: 1
Age of data: 132 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.prsp,org.pk
Year established1997
Head of InstitutionAllah Rakha Assi
Regions activePunjab
# Branches60

Total Portfolio (nat'l)PKR 903,792,770
Total Portfolio (USD)USD 9,222,375.20
Active clients with loans72,789
Approximate % female clients40% - 60%
Approximate % urban clients0
Network affiliationsPakistan Microfinance Network, RSPN, HRDN
FundersPakistan Poverty Alleviation Fund, Punjab Government, RSPN

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.eb-accion.com
Year established2008
Head of InstitutionMrs. Frances Adu-Mante
Regions activeGreater Accra Region, Ashanti Region, Brong Ahafo Region
# Branches8

Total Portfolio (nat'l)GHS 23,675,529
Total Portfolio (USD)USD 12,018,035.03
Active clients with loans9,401
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsGhana Association of Savings and Loans Companies, GHAMFIN
FundersEcobank Ghana Ltd, Ecobank Transitional Inc, ACCION International, IFC

Loan Products » Summary

10,667 Borrowers
USD 1,554,055.52 Portfolio
Active Product
30,205 Borrowers
USD 3,196,102.20 Portfolio
Active Product
31,917 Borrowers
USD 4,464,027.75 Portfolio
Active Product

Loan Products » Summary

4,497 Borrowers
USD 2,295,303.05 Portfolio
Active Product
880 Borrowers
USD 341,065.99 Portfolio
Active Product
2,755 Borrowers
USD 3,563,691.80 Portfolio
Active Product
265 Borrowers
USD 1,406,775.42 Portfolio
Active Product
SME
398 Borrowers
USD 3,727,540.98 Portfolio
Active Product
407 Borrowers
USD 75,230.26 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan PKR 15,000 - 40,000 6 - 18 40% - 60% 0% Agriculture Women, Men Credit Educ, Group Mtgs, Tech Asst Visits, Other Training
Enterprise Loan PKR 15,000 - 40,000 6 - 18 40% - 60% 0% Business Women, Men Credit Educ, Group Mtgs, Tech Asst Visits, Other Training
Livestock Loan PKR 15,000 - 40,000 6 - 18 40% - 60% 0% Other, Fattening/Breeding of Sheep, Goat, and other milk animals. Women, Men Credit Educ, Group Mtgs, Tech Asst Visits, Other Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Nkosuo GHS 50 - 3,000 3 - 12 60% - 80% 60% - 80% Business Women, Men, Have business, Specific age group Credit Ins
Micro Express GHS 50 - 1,000 3 - 6 60% - 80% 60% - 80% Business Women, Men, Specific age group Credit Ins
Adwuma Pa GHS 3,000 - 15,000 3 - 12 60% - 80% 80% - 100% Business Women, Men, Have business, Specific age group Credit Ins
Micro Plus GHS 15,000 - 30,000 3 - 24 40% - 60% 40% - 60% Business Women, Men, Have business, Have home or land, Specific age group Credit Ins
SME GHS 30,000 - 50,000 3 - 24 0% - 20% 80% - 100% Business Women, Men, Have business, Have home or land, Specific age group Credit Ins
Group GHS 600 - 3,000 3 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Specific age group Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 20.0% annual, Decl Bal 2 Fees 0 Ins None N/A 22.5% - 23.9% 22.5% - 23.9% N/A
Enterprise Loan 20.0% annual, Decl Bal 2 Fees 0 Ins None N/A 23.7% - 24.7% 23.7% - 24.7% N/A
Livestock Loan 20.0% annual, Decl Bal 2 Fees 0 Ins None N/A 21.8% - 23.7% 21.8% - 23.7% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Nkosuo 48.0% annual, Flat 1 Fee 1 Ins None 81.2% - 82.6% 83.9% - 120.9% 52
Micro Express 48.0% annual, Flat 1 Fee 1 Ins None 2.50-10.00 ongoing 87.8% - 95.1% 154.3% - 180.7% 29
Adwuma Pa 45.0% annual, Flat 1 Fee 1 Ins None 61.3% - 76.6% 68.3% - 78% 61
Micro Plus 42.0%-45.0% annual, Flat 1 Fee 1 Ins None 74% - 76.6% 75.2% - 78.2% 54
SME 38.4%-42.0% annual, Flat 1 Fee 1 Ins None 59.9% - 64.5% 60.7% - 66.9% 59
Group 48.0% annual, Flat 1 Fee 1 Ins None 2.50-10.00 ongoing 74.1% - 77.1% 111.6% - 118.8% 41

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 20.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 22.5% - 23.9% 22.5% - 23.9% N/A
Enterprise Loan 20.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 23.7% - 24.7% 23.7% - 24.7% N/A
Livestock Loan 20.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 21.8% - 23.7% 21.8% - 23.7% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Nkosuo 48.0% annual, Flat 1 Fee 1 Ins Ins None 81.2% - 82.6% 83.9% - 120.9% 52
Micro Express 48.0% annual, Flat 1 Fee 1 Ins Ins None 2.50-10.00 ongoing 87.8% - 95.1% 154.3% - 180.7% 29
Adwuma Pa 45.0% annual, Flat 1 Fee 1 Ins Ins None 61.3% - 76.6% 68.3% - 78% 61
Micro Plus 42.0%-45.0% annual, Flat 1 Fee 1 Ins Ins None 74% - 76.6% 75.2% - 78.2% 54
SME 38.4%-42.0% annual, Flat 1 Fee 1 Ins Ins None 59.9% - 64.5% 60.7% - 66.9% 59
Group 48.0% annual, Flat 1 Fee 1 Ins Ins None 2.50-10.00 ongoing 74.1% - 77.1% 111.6% - 118.8% 41
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