Institution

Hofokam Ltd Head OfficeFort Portal, Western UgandaPO Box 228
Data approved: 2012-07-24
Data version: 2
Age of data: 136 months

Institution

Sinapi Aba Trust 22A Ellis Avenue Nhyiaeso, near Capital RadioKumasi, AshantiP.O. Box 4911
Data approved: 2013-03-13
Data version: 2
Age of data: 131 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established2003
Head of InstitutionCharles Isingoma
Regions activeWestern
# Branches7

Total Portfolio (nat'l)UGX 11,983,000,000
Total Portfolio (USD)USD 4,745,742.57
Active clients with loans20,908
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliationsAMFIU, AMT, MFI Upgrading Initiative
FundersTriple Jump, Oikocredit, TRIAS, CRS

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.sinapiaba.com/
Year established1994
Head of InstitutionAnthony Gyasi-Fosu
Regions activeGreater Accra Region, Central Region, Western Region, Eastern Region, Volta Region, Ashanti Region, Brong Ahafo Region, Northern Region, Upper East Region, Upper West Region
# Branches48

Total Portfolio (nat'l)GHS 57,838,603
Total Portfolio (USD)USD 29,359,696.95
Active clients with loans148,020
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsOpportunity International, GHAMFIN, Mix Market, ASSFIN
FundersBlue Orchard, Symbotics, Kolibre Capital, Tridos

Loan Products » Summary

2,506 Borrowers
USD 249,259.05 Portfolio
Active Product
2,951 Borrowers
USD 1,777,613.89 Portfolio
Active Product
573 Borrowers
USD 228,537.39 Portfolio
Active Product
140 Borrowers
USD 127,700.42 Portfolio
Active Product
1,278 Borrowers
USD 138,744.51 Portfolio
Active Product
9,843 Borrowers
USD 622,744.60 Portfolio
Active Product

Loan Products » Summary

4,150 Borrowers
USD 1,078,246.19 Portfolio
Active Product
SME
519 Borrowers
USD 1,896,553.30 Portfolio
Active Product
45,929 Borrowers
USD 11,445,623.86 Portfolio
Active Product
97,009 Borrowers
USD 14,939,274.11 Portfolio
Active Product
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan UGX 50,000 - 15,000,000 6 - 12 60% - 80% 20% - 40% Business Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Individual Loan UGX 500,000 - 10,000,000 6 - 24 20% - 40% 20% - 40% Business, Housing, Education Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Salary Loan UGX 250,000 - 10,000,000 6 - 12 20% - 40% 20% - 40% Housing, Consumer, Education Women, Men, Salaried worker, Specific age group Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
School Fees Loan UGX 700,000 - 1,500,000 6 - 8 20% - 40% 20% - 40% Education Women, Men, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Solidarity Group Loan UGX 200,000 - 500,000 4 - 12 60% - 80% 40% - 60% Business, Consumer, Education Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Village Bank Loan UGX 50,000 - 5,000,000 4 - 12 40% - 60% 0% - 20% Business, Consumer, Education Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Tech Asst Visits, Business Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Individual GHS 100 - 5,000 6 - 12 80% - 100% 60% - 80% Business, Housing, Education, Micro School, Special Agric Loan Women, Men, Have business Credit Educ, Group Mtgs, Business Training
SME GHS 5,000 - 50,000 6 - 12 60% - 80% 80% - 100% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Solidarity GHS 1,000 - 4,000 0.5 - 10 80% - 100% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Health Education
Trust Bank GHS 200 - 900 6 - 10 80% - 100% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, 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 33.60% annual, Flat 1 Fee 1 Ins None 20.00% upfront 32.8% - 56% 41.2% - 93.3% 54
Individual Loan 30.00% annual, Flat 1 Fee 1 Ins None N/A 60.1% - 61.1% 61.2% - 79.9% 44
Salary Loan 33.60% annual, Flat 1 Fee 1 Ins None N/A 38.8% - 41% 39.2% - 45.8% 81
School Fees Loan 33.60% annual, Flat 1 Fee 1 Ins None N/A 61.2% - 61.6% 66.1% - 76.2% 47
Solidarity Group Loan 36.00% annual, Flat 1 Fee 1 Ins None 20.00% upfront 64.2% - 65.3% 82.1% - 90.9% 41
Village Bank Loan 36.00% annual, Flat 1 Fee 1 Ins None 20.00% upfront 64.4% - 64.7% 67% - 69.1% 52

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Individual 20.00%-40.00% annual, Flat 2 Fees 1 Ins None 10.00% upfront 64.3% - 75.8% 78.7% - 91.5% 22
SME 36.00%-40.00% annual, Flat 2 Fees 1 Ins None 10.00% upfront 56.6% - 76.6% 69.6% - 94.5% 43
Solidarity 22.00%-39.00% annual, Flat 2 Fees 1 Ins None 10.00% upfront 69.2% - 75.4% 84.8% - 93.1% 24
Trust Bank 22.00%-39.00% annual, Flat 2 Fees 1 Ins None 10.00% upfront 76.8% - 79.4% 94.4% - 97.8% 22

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 33.60% annual, Flat 1 Fee 1 Ins Ins None 20.00% upfront 32.8% - 56% 41.2% - 93.3% 54
Individual Loan 30.00% annual, Flat 1 Fee 1 Ins Ins None N/A 60.1% - 61.1% 61.2% - 79.9% 44
Salary Loan 33.60% annual, Flat 1 Fee 1 Ins Ins None N/A 38.8% - 41% 39.2% - 45.8% 81
School Fees Loan 33.60% annual, Flat 1 Fee 1 Ins Ins None N/A 61.2% - 61.6% 66.1% - 76.2% 47
Solidarity Group Loan 36.00% annual, Flat 1 Fee 1 Ins Ins None 20.00% upfront 64.2% - 65.3% 82.1% - 90.9% 41
Village Bank Loan 36.00% annual, Flat 1 Fee 1 Ins Ins None 20.00% upfront 64.4% - 64.7% 67% - 69.1% 52

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Individual 20.00%-40.00% annual, Flat 2 Fees 1 Ins Ins None 10.00% upfront 64.3% - 75.8% 78.7% - 91.5% 22
SME 36.00%-40.00% annual, Flat 2 Fees 1 Ins Ins None 10.00% upfront 56.6% - 76.6% 69.6% - 94.5% 43
Solidarity 22.00%-39.00% annual, Flat 2 Fees 1 Ins Ins None 10.00% upfront 69.2% - 75.4% 84.8% - 93.1% 24
Trust Bank 22.00%-39.00% annual, Flat 2 Fees 1 Ins Ins None 10.00% upfront 76.8% - 79.4% 94.4% - 97.8% 22
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Key Statistics
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# Products
# Institutions
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# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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