URBANET
Provides small loans to women agro-processor,s and input credit to smallholder farmers.
Product Overview & Scale
- Fsp NameURBANET
- Fsp ID178289
- As of Date5/18/19
- CurrencyUSD
- Product NameAgro-processing credit, Input credit
- CountryGhana
- Total Clients Bracket<50,000
- Product Clients Bracket<10,000
- Number of Product Clients12,500
- Percent of Total Clients that are Product Clients65%
- Average Loan Size Per Client200
- Average Loan Size Per Client200
Financial Structure & Pricing
- loan or product structure is flexibleTRUE
- loan or product structure is flexible if yes describeClients should to be livelihood groups with leadership to serve as collateral
- repayment structure is flexibleTRUE
- repayment structure is flexible if yes describeClients do monthly repayment based on an agreed schedule between staff and clients
- loan or product term covers growing seasonTRUE
- loan or product term covers growing season if yes describeInput credit to farmers is scheduled to cover the cropping season in the region
- grace period offeredTRUE
- grace period offered if yes describeClients have a grace period of 1 month
- group or individual loanGroup
- apr15%
- average loan processing time days2
- is apr or other transparent pricing communicated to clientsTRUE
- is apr or other transparent pricing communicated to clients if yes describeCredit officer informs clients in group meetings
- type of primary insurance productNone
- annualized repayment rate of the product90- 95%
Value Chain Support
- inputs assets services are readily availableTRUE
- inputs assets services are available at time demanded by clientTRUE
- inputs assets services are available at time demanded by client if yes describeStorage facilities available
- inputs assets services available within reasonable distance of clientTRUE
- inputs assets services available within reasonable distance of client if yes describeStorage facilities in communities
- inputs assets services are of good qualityTRUE
- inputs assets services are of good quality if yes describeRecords are kept and maintained
- type of inputs offeredServices
- informal management services providedTRUE
- informal management services provided if yes describeRecord keeping
- formal programs in place for post harvest managementTRUE
- formal programs in place for post harvest management if yes describeStorage facilities with management practices
- if yes to above do over 50 of clients use service programTRUE
- do over 50 of clients use service program if yes describeStore produce and sell when prices are reasonable
- informal linkages exist between clients and buyers producersTRUE
- formal linkages exist between clients and buyers producersTRUE
- formal linkages exist between clients and buyers producers if yes describePre-planting contracts
- guaranteed market opportunities exist for clientsTRUE
- guaranteed market opportunities exist for clients if yes describeContracts are executed after successful harvest
- if yes to above do over 50 of clients use the service programTRUE
Training
- agricultural training available to clientsTRUE
- agricultural training available to clients if yes describeDissemination of technologies to farmers
- agricultural training available to clients using formal curriculumTRUE
- agricultural training available to clients using formal curriculum if yes describeWorking with agriculture extension agents to deliver extension information to clients
- multiple agricultural trainings delivered during product cycleTRUE
- multiple agricultural trainings delivered during product cycle if yes describeWe deliver training on input application, farm management and post harvest
- organization does quality checks on trainingsTRUE
- organization does quality checks on trainings if yes describeMonitoring visits to farms
- training cost100
- financial literacy training takes places yes noTRUE
- classroom theoretical training offered by administering partyFALSE
- training engages clients in participatory learning with additional materialsTRUE
- training is offered in a convenient location for clientsTRUE
- training is offered in a convenient location for clients if yes describeIn their fields
Measuring Impact
- regular measurement of farmer yields takes placeTRUE
- formal measurement with strong control groupTRUE
- formal measurement with strong control group if yes describeMeasurement is done by groups
- rct or other academic quality work done to verify resultsFALSE
- measurement of change to profit income or poverty reduction takes placeTRUE
- measurement of change to profit income or poverty reduction takes place if yes describeHave baseline data on clients
- using methodical process over time to measure changeTRUE
- using methodical process over time to measure change if yes describeCollect data on clients and compare with baseline