| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | Yes |
| Website address | http://www.coopfatima.com/ |
| Year established | 1962 |
| Head of Institution | OSCAR MANUEL CORONADO ESPINOZA |
| Regions active | |
| # Branches | 5 |
| Total Portfolio (nat'l) | BOB 259,281,693 |
| Total Portfolio (USD) | USD 38,412,102.67 |
| Active clients with loans | 5,240 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | Nacional |
| Funders |
| Institution Type | Other |
| Is this institution regulated? | No |
| Website address | http://www.tujijengeafrika.org/ |
| Year established | 2006 |
| Head of Institution | Nambobi Shafi |
| Regions active | Dar es Salaam, Mara, Mwanza, Pwani |
| # Branches | 5 |
| Total Portfolio (nat'l) | TZS 3,649,989,349 |
| Total Portfolio (USD) | USD 2,295,590.79 |
| Active clients with loans | 10,078 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | AFRICAP, TAMFI, Microfinance Association Institution Network |
| Funders | Tujijenge Afrika, Micro Africa, LJK Holdings, Africap |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito Oro (Bs) | BOB 70,000 - 70,000 | 60 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Have business, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| CREDITO A SOLA FIRMA | BOB 35,000 - 75,000 | 36 - 60 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL | BOB 7,000 - 63,000 | 36 - 60 | 40% - 60% | 20% - 40% | Any Purpose | Women, Men, Have business, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA | USD 1,000 - 50,000 | 24 - 96 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Have business, Have home or land, Salaried worker, Specific age group | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| Diamante - USD | USD 1,001 - 15,000 | 60 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| Garantía Cruzada (Bs.) | BOB 7,000 - 35,000 | 36 - 60 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Salaried worker, Specific age group | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| HIPOTECARIO DE VIVIENDA | USD 10,000 - 140,000 | 120 - 180 | 0% - 20% | 80% - 100% | Business, Housing | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Flexible Loan | TZS 50,000 - 4,000,000 | 3 - 12 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Group Loan | TZS 50,000 - 4,000,000 | 3 - 12 | 80% - 100% | 80% - 100% | Business, Housing, Education, Other | Women, Men, Have business, 18 and above | Credit Educ, Group Mtgs, Credit Ins, Other Training, Group dynamics | |||||||
| Individual Loan | TZS 500,000 - 15,000,000 | 6 - 12 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
| MYC4 Loan | TZS 500,000 - 50,000,000 | 6 - 18 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito Oro (Bs) | 16.0% annual, Decl Bal | 1 Fee | 0 Ins | 24.00 fixed | 50.00 upfront | 16.9% | 17.6% | 91 | ||||||||
| CREDITO A SOLA FIRMA | 18.0% annual, Decl Bal | 1 Fee | 0 Ins | 24.00 fixed | 50.00 upfront | 19% - 19.3% | 19.7% - 20.5% | 90 | ||||||||
| DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL | 16.0%-18.0% annual, Decl Bal | 1 Fee | 0 Ins | 24.00 fixed | 50.00 upfront | 16.9% - 19% | 17.7% - 25.9% | 74 | ||||||||
| DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA | 13.0%-15.0% annual, Decl Bal | 2 Fees | 0 Ins | 3.00 fixed | 10.00 upfront | 13.9% - 15.9% | 14.4% - 22.5% | 75 | ||||||||
| Diamante - USD | 16.0% annual, Decl Bal | 1 Fee | 0 Ins | 3.00 fixed | 10.0% upfront | 16.9% - 17% | 17.3% - 17.4% | 92 | ||||||||
| Garantía Cruzada (Bs.) | 18.0%-20.0% annual, Decl Bal | 1 Fee | 0 Ins | 24.00 fixed | 50.00 upfront | 20.7% - 21% | 23.9% - 27.8% | 71 | ||||||||
| HIPOTECARIO DE VIVIENDA | 10.0%-13.0% annual, Decl Bal | 2 Fees | 0 Ins | 3.00 fixed | N/A | 13.2% - 13.9% | 14.2% - 14.4% | 70 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Flexible Loan | 48.00% annual, Flat | 0 Fees | 0 Ins | None | 20.00% upfront | 65.5% - 93% | 91% - 138.1% | 38 | ||||||||
| Group Loan | 48.00% annual, Flat | 0 Fees | 0 Ins | None | 20.00% upfront | 76.4% - 89% | 108.4% - 130.3% | 38 | ||||||||
| Individual Loan | 36.00% annual, Flat | 2 Fees | 0 Ins | None | 10.00% upfront | 66.3% - 80.3% | 78.6% - 95.4% | 43 | ||||||||
| MYC4 Loan | 40.08% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 73.1% - 91.5% | 73.1% - 91.5% | 50 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito Oro (Bs) | 16.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 24.00 fixed | 50.00 upfront | 16.9% | 17.6% | 91 | ||||||||
| CREDITO A SOLA FIRMA | 18.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 24.00 fixed | 50.00 upfront | 19% - 19.3% | 19.7% - 20.5% | 90 | ||||||||
| DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL | 16.0%-18.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 24.00 fixed | 50.00 upfront | 16.9% - 19% | 17.7% - 25.9% | 74 | ||||||||
| DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA | 13.0%-15.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | 3.00 fixed | 10.00 upfront | 13.9% - 15.9% | 14.4% - 22.5% | 75 | ||||||||
| Diamante - USD | 16.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 3.00 fixed | 10.0% upfront | 16.9% - 17% | 17.3% - 17.4% | 92 | ||||||||
| Garantía Cruzada (Bs.) | 18.0%-20.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 24.00 fixed | 50.00 upfront | 20.7% - 21% | 23.9% - 27.8% | 71 | ||||||||
| HIPOTECARIO DE VIVIENDA | 10.0%-13.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | 3.00 fixed | N/A | 13.2% - 13.9% | 14.2% - 14.4% | 70 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Flexible Loan | 48.00% annual, Flat | 0 Fees | 0 Ins Ins | None | 20.00% upfront | 65.5% - 93% | 91% - 138.1% | 38 | ||||||||
| Group Loan | 48.00% annual, Flat | 0 Fees | 0 Ins Ins | None | 20.00% upfront | 76.4% - 89% | 108.4% - 130.3% | 38 | ||||||||
| Individual Loan | 36.00% annual, Flat | 2 Fees | 0 Ins Ins | None | 10.00% upfront | 66.3% - 80.3% | 78.6% - 95.4% | 43 | ||||||||
| MYC4 Loan | 40.08% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | N/A | 73.1% - 91.5% | 73.1% - 91.5% | 50 |
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