2. Fortaleza
Please note that the information you are viewing is 130 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 121 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Banco Fortaleza Sociedad Anónima Av. Arce No, 2799 esq. CorderoLa Paz, Bolivia
Data approved: 2013-09-23
Data version: 2
Age of data: 130 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: 121 months
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Product

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Product

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Product Summary

Number borrowers2,718
Loan Amount (range)BOB 14,000 - 140,000
Loan Term (range)27 - 118
Other Services (text summary)Credit Ins
Annual Interest & Method21.6% annual, Decl Bal
FeesNone
Insurance1.43%-1.95% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component12.1% - 27.6%
Fee Component0
Insurance Component0.2% - 2.1%
Tax Component Range0
Full APR (int fee ins tax dep)22.5%
Transparency Index (min/max)8 - 1062
Transparency Index (average)96

Product Summary

24,331
TZS 100,000 - 25,000,000
3 - 24
Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
42.0%-66.0% annual, Decl Bal
None
None
None
N/A
 
50.0% - 64.3%
0 - 4.8%
0
0
52.9% - 64.3%
65 - 79
72

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 100,627,187
Portfolio (USD)USD 14,907,731.41
Active Clients with Loans2,718
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Línea de crédito de disponibilidad inmediata
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 insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution6
# Regions for this product6
Regions ActiveChuquisaca , Cochabamba , La Paz , Oruro , Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (TZS)TZS 58,039,974,967
Portfolio (USD)USD 36,503,128.91
Active Clients with Loans24,331
Approximate % Female Clients20% - 40%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Product tailored specifically for MSMEs.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Otheroperating business atleast for six months
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution4
# Regions for this product4
Regions ActiveDar es Salaam, Mwanza, Shinyanga, Tabora

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 14,000
Maximum loan size140,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,0000
BOB 10,000-40,00050%
BOB 40,000-70,00030%
BOB 70,000-100,00010%
BOB 100,000-125,0005%
Greater than BOB 125,0005%
Loan Term and Grace Period
Shortest loan term27.0 months
Longest loan term118.0 months
Approx average68.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months100%
Grace Period
Grace period usage0
Average grace period0
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 payments

Loan Conditions

Loan Amount
CurrencyTZS
Minimum loan sizeTZS 100,000
Maximum loan size25,000,000
Distribution at Disbursement (Est.)
Loans less than TZS 350,0000
TZS 350,000-1,250,0005%
TZS 1,250,000-2,000,00010%
TZS 2,000,000-3,000,00015%
TZS 3,000,000-4,000,00010%
Greater than TZS 4,000,00010%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average0
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months50%
Between 10 and 12 months40%
Between 13 and 18 months5%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
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 payments

Pricing Information

Interest
Lowest quoted nominal interest1.80%
Highest quoted nominal interest1.80%
Interest rate periodMonthly
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
% of loan amount - min1.43%
% of loan amount - max1.95%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationLa comisión es 0.07% mensual que aplica al saldo del 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 interest5.50%
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
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
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

Linea de Credito Optima samples
Sample 1Sample 2Sample 3
Loan AmountBOB 25,000BOB 36,000BOB 50,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2014-01-082013-09-182013-09-18
Loan Term (Months)36.0 months36.0 months48.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditBOB 9,542.64BOB 13,741.46BOB 26,070.17
True Price by Comp     
Interest price component21.7%21.7%21.7%
Fee Component0.0%0.0%0.0%
Insurance Component0.8%0.8%0.8%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)22.5%22.5%22.5%
Transparency Index969696
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Business Loan 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 4,500,000 Real 2014-03-29 12.5 months N/A TZS 1,659,510.96 58.5% 58.5% 0.0% 0.0% 0.0% 0.0% 72 PDF PDF
TZS 4,500,000 Generated 2014-11-01 12.0 months N/A TZS 1,586,205.86 58.6% 58.6% 0.0% 0.0% 0.0% 0.0% 72 - PDF
TZS 9,000,000 Real 2014-02-18 12.2 months N/A TZS 2,830,910 52.9% 52.9% 0.0% 0.0% 0.0% 0.0% 79 PDF PDF
TZS 9,000,000 Generated 2014-11-01 12.0 months N/A TZS 2,832,774.48 52.9% 52.9% 0.0% 0.0% 0.0% 0.0% 79 - PDF
TZS 6,000,000 Generated 2014-11-01 9.0 months N/A TZS 1,588,116.97 58.6% 58.6% 0.0% 0.0% 0.0% 0.0% 72 - PDF
TZS 12,000,000 Generated 2014-11-01 9.0 months N/A TZS 3,176,233.95 58.6% 58.6% 0.0% 0.0% 0.0% 0.0% 72 - PDF
TZS 18,500,000 Generated 2014-09-01 12.2 months 0.0 months TZS 7,233,293.48 64.3% 64.3% 0.0% 0.0% 0.0% 0.0% 65 - PDF
TZS 18,500,000 Generated 2014-11-01 9.0 months N/A TZS 4,896,694 58.6% 58.6% 0.0% 0.0% 0.0% 0.0% 72 - PDF
TZS 21,500,000 Generated 2014-11-01 12.0 months N/A TZS 7,578,539.11 58.6% 58.6% 0.0% 0.0% 0.0% 0.0% 72 - PDF
TZS 25,000,000 Generated 2014-11-01 12.0 months N/A TZS 8,812,254.78 58.6% 58.6% 0.0% 0.0% 0.0% 0.0% 72 - PDF
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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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Total Borrowers of Samples

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