Opportunity Savings & Loans Ghana
In-kind input supply loan, supporting horticultural production.
Product Overview & Scale
- Fsp NameOpportunity Savings & Loans Ghana
- Fsp ID100534
- As of Date9/1/14
- CurrencyUSD
- Product NameHorticultural Loan
- CountryGhana
- Total Clients Bracket50,000- 100,000
- Product Clients Bracket<10,000
- Number of Product Clients2,550
- Percent of Total Clients that are Product Clients4%
- Average Loan Size Per Client215
- Average Loan Size Per Client215
Financial Structure & Pricing
- loan or product structure is flexibleFALSE
- repayment structure is flexibleFALSE
- loan or product term covers growing seasonTRUE
- grace period offeredTRUE
- group or individual loanGroup
- apr0%
- type of primary insurance productLife/funeral insurance
- annualized repayment rate of the product95- 98%
Value Chain Support
- inputs assets services are readily availableTRUE
- inputs assets services are readily available if yes describeLoan offered as in-kind product in most cases. Client selects inputs, which OI sources through network of input suppliers. Input supplier delivers product.
- inputs assets services are available at time demanded by clientTRUE
- inputs assets services available within reasonable distance of clientTRUE
- inputs assets services are of good qualityTRUE
- inputs assets services are of good quality if yes describeOI develops relationships with input supplier.
- type of inputs offeredUsable
- 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 producersFALSE
- guaranteed market opportunities exist for clientsFALSE
Training
- agricultural training available to clientsTRUE
- agricultural training available to clients if yes describeSome training provided by government extension workers or input suppliers.
- agricultural training available to clients using formal curriculumTRUE
- multiple agricultural trainings delivered during product cycleTRUE
- multiple agricultural trainings delivered during product cycle if yes describeTrainings delivered corresponding to timing of activity.
- organization does quality checks on trainingsFALSE
- financial literacy training takes places yes noFALSE
- classroom theoretical training offered by administering partyTRUE
- training engages clients in participatory learning with additional materialsTRUE
- training is offered in a convenient location for clientsTRUE
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 placeTRUE
- measurement of change to profit income or poverty reduction takes place if yes describePPI is collected at every new loan cycle
- using methodical process over time to measure changeFALSE
- what type of poverty measurement metric is usedProgress out of Poverty Index (PPI)