CedisPay

Personal Information

GhanaCard Number

Mobile Money Number

Email Address

Home Address

Location

Digital Address

Are you a full-time employee of your current employer?

Is your monthly income equal to or greater than GHS2,000 per month?

Employee/Staff ID Number

Day Salary Is Received

Employment Status

Are you employed with current employer for at least a year

Have you experienced any major life events in the past five years that have had a significant impact on your financial stability?

Financial Objectives

What are your financial goals and objectives?

How can we best assist you in achieving your goals?

Income Information

Are you currently employed?

Do you receive regular monthly income (Employment income & other income)

Provide your monthly regular income

Monthly Debt Expenses

Do you receive your income through mobile money or bank account?

Are your bill and loan payments automated?

If you answered "Yes," please indicate the system you currently use to automate your bills and loan payments

Scoring Information

Number of years with current employer

Name of Employer

Which of the following category of sector does your employment fall under

Credit Behaviour Information

Do you currently have any outstanding debts or loans?

Have you taken a loan from any financial institution

What is the length of history of your credit/loan borrowing or payment history?

Have you ever defaulted on or missed a loan payment?

How many times have you missed payment on your loan/credit in your borrowing history?

Bills Payment Information

What are the bills that you are responsible for paying?

How do you typically make these bill payments

Are there any other bills or payments that you are required to make regularly that may not be reflected in your bank statements or mobile money statements?

What is the length of history of your Bills payment history

How many times have you missed payments on your bills in your payment history?

Do you have any additional documentation (eg: receipts, invoices) to support your credit history?

Are you currently up to date on your electricity bill payment?

If yes, how much do you typically spend on electricity each month?

Have you ever received a notice warning from your electricity company regarding missed payments or outstanding bills?

Savings Habit Information

In the past 3 months, is the frequency of your savings at least 3 times

Provide your savings balance

Do you have personal insurance

If you have appropriate insurance coverage, please indicate which of the following you have.

Do you regularly save a minimum of 5% of your monthly income for emergency purposes or future financial goals?

Payment of Rent / Housing expenses

Do you currently pay rent or have mortgage payments?

If yes, what is the average monthly amount you spend on rent or mortgage?

Are you planning to move or change your housing situation in the near future?

Buying Airtime

Do you regularly purchase airtime for your mobile phone?

What is the average monthly amount you spend on airtime?

How important is it for you to maintain communication through your mobile phone

Payment of Electricity

Are you responsible for paying electricity bills in your household?

What is the average monthly amount you spend on electricity bills?

Do you use electricity for essential needs such as lighting, cooking, or running appliances?

Payment of Water

Do you pay for water services in your residence?

What is the average monthly amount you spend on water bills?

How essential is having access to clean water for your everyday needs?

Payment of Fuel

Do you own a vehicle or regularly use transportation that requires fuel?

What is the average monthly amount you spend on fuel?

How necessary is transportation for your daily activities, such as commuting to work or running errands?

Loan Information

Amount Requested

Purpose of the loan

Desired payment plan

Desired loan payment duration (months)

Source of income for repayment of loan

Frequency of Income

Please select your preferred automatic loan repayment method for your CedisPay loan

Guarantorship Information

Guarantor's Name

Guarantor's Phone Number

Relationship to borrower

Date of Birth

Type of ID

ID Number

Guarantor's Home Address

Has the guarantor been notified to act as a guarantor?

Yes

Next of Kin Information

Full Name

Phone Number

Relationship to Next of Kin / Contact Person

Physical Address (GhanaPostGPS)

This information will be kept strictly confidential and will only be used for the purpose of contacting your designated person in the event of any unforeseen circumstances.

Note: The purpose of collecting this information is to ensure the well-being and financial security of our valued customers. In case of any unfortunate event, such as illness or unexpected circumstances, we want to be able to support you and your loved ones during difficult times.

Customer Rating Information

Have you taken loans from CedisPay at least twice?

Not missed more than 2 payments with CedisPay?

Do mobile money statement or bank statement support your income?

Credit Bureau Information

First Name

Last Name