OCSSCO
Cash loans to rural clients in groups targeting agricultural activities.
Product Overview & Scale
- Fsp NameOCSSCO
- Fsp ID100107
- As of Date10/1/14
- CurrencyUSD
- Product NameRural Based Group Loan
- CountryEthiopia
- Total Clients Bracket500,000- 1,000,000
- Product Clients Bracket250,000
- Number of Product Clients739,344
- Percent of Total Clients that are Product Clients79%
- Average Loan Size Per Client150
- Average Loan Size Per Client150
Financial Structure & Pricing
- loan or product structure is flexibleFALSE
- repayment structure is flexibleTRUE
- loan or product term covers growing seasonTRUE
- grace period offeredFALSE
- group or individual loanGroup
- apr0%
- annualized repayment rate of the product95- 98%
Value Chain Support
- inputs assets services are readily availableFALSE
- inputs assets services are available at time demanded by clientFALSE
- inputs assets services available within reasonable distance of clientFALSE
- inputs assets services are of good qualityFALSE
- informal management services providedFALSE
- formal programs in place for post harvest managementFALSE
- informal linkages exist between clients and buyers producersFALSE
- formal linkages exist between clients and buyers producersTRUE
- formal linkages exist between clients and buyers producers if yes describeIn 14 pilot branches, OCSSCO linking malt-barley and black cumin producers to processors and markets.
- guaranteed market opportunities exist for clientsTRUE
Training
- agricultural training available to clientsFALSE
- agricultural training available to clients using formal curriculumFALSE
- multiple agricultural trainings delivered during product cycleFALSE
- organization does quality checks on trainingsFALSE
- financial literacy training takes places yes noTRUE
- classroom theoretical training offered by administering partyFALSE
- training engages clients in participatory learning with additional materialsFALSE
- training is offered in a convenient location for clientsFALSE
Measuring Impact
- regular measurement of farmer yields takes placeFALSE
- formal measurement with strong control groupFALSE
- rct or other academic quality work done to verify resultsFALSE
- measurement of change to profit income or poverty reduction takes placeFALSE
- using methodical process over time to measure changeFALSE