2. Diaconia
Please note that the information you are viewing is 131 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. ABT
Please note that the information you are viewing is 123 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Diaconia Av. Juan Pablo II No 125 El AltoLa Paz
Data approved: 2013-09-16
Data version: 2
Age of data: 131 months
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Institution

Access Bank Tanzania Limited Derm HouseNew Bagamoyo RoadDar es SalaamPO Box 95068
Data approved: 2014-09-03
Data version: 3
Age of data: 123 months
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Product

Microcredito Individual Product 2 of 2 « Prev | Next »

Product

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Product Summary

Number borrowers39,818
Loan Amount (range)BOB 200 - 560,000
Loan Term (range)3 - 96
Other Services (text summary)Other Training
Annual Interest & Method13.0%-24.0% annual, Decl Bal
FeesNone
Insurance0.05%-4.80% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component17.1% - 59.6%
Fee Component0
Insurance Component0.6% - 2.2%
Tax Component Range0
Full APR (int fee ins tax dep)17.7% - 24.7%
Transparency Index (min/max)34 - 73
Transparency Index (average)62

Product Summary

1,115
TZS 100,000 - 25,000,000
3 - 18
Credit Educ, Tech Asst Visits
42.0%-54.0% annual, Decl Bal
2.00% upfront
None
None
N/A
 
50.0% - 64.3%
0 - 4.8%
0
0
54.0% - 56.4%
65 - 79
74

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 511,525,255.70
Portfolio (USD)USD 75,781,519.36
Active Clients with Loans39,818
Approximate % Female Clients20% - 40%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Microcredito otorgado a una persona natural o jurídica, con el objeto de financiar actividades de producción, comercialización y servicios.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution8
# Regions for this product8
Regions ActiveBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (TZS)TZS 1,391,194,065
Portfolio (USD)USD 874,964.82
Active Clients with Loans1,115
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Product tailored specifically for agricultural producers, in particular crop growers.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution4
# Regions for this product3
Regions ActiveMwanza, Shinyanga, Tabora

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 200
Maximum loan size560,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,00015%
BOB 10,000-40,00050%
BOB 40,000-70,00020%
BOB 70,000-100,00010%
BOB 100,000-125,0005%
Greater than BOB 125,0005%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term96.0 months
Approx average26.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months5%
Between 13 and 18 months5%
Longer than 18 months90%
Grace Period
Grace period usage0
Average grace periodDK
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyTZS
Minimum loan sizeTZS 100,000
Maximum loan size25,000,000
Distribution at Disbursement (Est.)
Loans less than TZS 350,0005%
TZS 350,000-1,250,00020%
TZS 1,250,000-2,000,00020%
TZS 2,000,000-3,000,00020%
TZS 3,000,000-4,000,00015%
Greater than TZS 4,000,00015%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term18.0 months
Approx average10.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months20%
Between 10 and 12 months70%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage70%
Average grace period3.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular paymentsx

Pricing Information

Interest
Lowest quoted nominal interest13.00%
Highest quoted nominal interest24.00%
Reason(s) why interest rate variesTime as Client, Collateral, Loan Purpose, Ciclo de préstamo
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de desgravamen y sepelio
% of loan amount - min0.05%
% of loan amount - max4.80%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationEl costo es de 0.05% mensual, con cargo únicamente en la saldo principal del préstamo pendiente.
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest3.50%
Highest quoted nominal interest4.50%
Reason(s) why interest rate variesTime as Client, Loan Size
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionDisbursement fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Microcredito Individual samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountBOB 5,000BOB 14,000BOB 31,000BOB 50,000BOB 84,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-08-282013-09-302013-11-192013-11-292013-07-29
Loan Term (Months)15.0 months31.0 months36.0 months61.0 months73.0 months
Grace Period (Months)0.4 months0.2 months-0.2 months0.5 months-0.3 months
Total Cost of CreditBOB 643.90BOB 4,924.71BOB 10,809.34BOB 38,617.86BOB 52,992.80
True Price by Comp         
Interest price component18.1%23.7%20.1%24.1%17.1%
Fee Component0.0%0.0%0.0%0.0%0.0%
Insurance Component0.6%0.6%0.6%0.6%0.6%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)18.7%24.3%20.7%24.7%17.7%
Transparency Index6953635373
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Agroloan samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
TZS 750,000 Generated 2014-11-01 7.9 months N/A TZS 200,603.19 56.4% 51.6% 4.8% 0.0% 0.0% 0.0% 74 - PDF
TZS 1,500,000 Generated 2014-11-01 7.9 months N/A TZS 401,206.38 56.4% 51.6% 4.8% 0.0% 0.0% 0.0% 74 - PDF
TZS 2,500,000 Generated 2014-09-01 12.2 months 0.0 months TZS 790,691.23 54.0% 50.0% 4.0% 0.0% 0.0% 0.0% 78 - PDF
TZS 2,500,000 Generated 2014-11-01 7.9 months N/A TZS 668,677.30 56.4% 51.6% 4.8% 0.0% 0.0% 0.0% 74 - PDF
TZS 3,500,000 Generated 2014-11-01 7.9 months N/A TZS 936,148.22 56.4% 51.6% 4.8% 0.0% 0.0% 0.0% 74 - PDF
TZS 4,500,000 Generated 2014-11-01 7.9 months N/A TZS 1,203,619.15 56.4% 51.6% 4.8% 0.0% 0.0% 0.0% 74 - PDF
Microcredito Individual Price Graphs


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Agroloan Price Graphs


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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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