2. FUNBODEM
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. YOSEFO
Please note that the information you are viewing is 157 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Fundacion Boliviana Para El Desarrollo De La Mujer Calle Rene Moreno # 476Santa Cruz
Data approved: 2013-10-10
Data version: 2
Age of data: 130 months
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Institution

Youth Self Employment Foundation Head OfficeDar Es SalaamPO Box 74379
Data approved: 2011-12-18
Data version: 1
Age of data: 157 months

Product

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Product Summary

Number borrowers558
Loan Amount (range)USD 50 - 1,000
Loan Term (range)3 - 18
Other Services (text summary)Credit Ins
Annual Interest & Method32.0%-36.0% annual, Decl Bal
FeesNone
Insurance0.18%-1.08% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component19.1% - 36.0%
Fee Component0
Insurance Component0.6% - 0.9%
Tax Component Range0
Full APR (int fee ins tax dep)32.6% - 36.6%
Transparency Index (min/max)52 - 95
Transparency Index (average)87

Product Summary

13,714
TZS 50,000 - 2,000,000
3 - 12
Credit Ins
24.00%-29.00% annual, Flat
0.50% upfront
1.00% upfront
None
25.00% upfront
 
N/A
48.9% - 52.3% (Int+Fee)
2.2% - 7.8%
0
62.0% - 106.5%
23 - 39
26

Product Details

Key Statistics
Outstanding portfolio (USD)USD 301,219.66
Portfolio (USD)USD 301,219.66
Active Clients with Loans558
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Para los clientes de negocios en el sector comercio, servicio y producción los cuales deben presentar minimo 8 meses en la institución para acceder a este credito. Este permite realiza inversiones de oportunidad en el negocio o en otros negocios.
Loan Purpose
Any purpose
Income generationx
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 worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActiveBeni , Santa Cruz

Product Details

Key Statistics
Outstanding portfolio (TZS)TZS 3,185,798,591
Portfolio (USD)USD 2,003,646.91
Active Clients with Loans13,714
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Solidarity Methodology based loans for individuals involved business enterprises
Loan Purpose
Any purpose
Income generationx
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 worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 50
Maximum loan size1,000
Distribution at Disbursement (Est.)
Loans less than USD 1,500100%
USD 1,500-5,0000
USD 5,000-10,0000
USD 10,000-15,0000
USD 15,000-18,0000
Greater than USD 18,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term18.0 months
Approx average15.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months20%
Between 13 and 18 months70%
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

Loan Conditions

Loan Amount
CurrencyTZS
Minimum loan sizeTZS 50,000
Maximum loan size2,000,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average8.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest32.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Collateral, Loan Purpose
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
DescriptionPago del seguro del desgravamen
% of loan amount - min0.18%
% of loan amount - max1.08%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationSe aplica 0.06% en cada cuota cargado en el saldo pendiente del principal
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 interest24.00%
Highest quoted nominal interest29.00%
Reason(s) why interest rate variesClient Risk
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min0.50%
% of loan amount - max0.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited25.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Oportuno samples
Sample 1Sample 2Sample 3
Loan AmountUSD 300USD 1,000USD 500
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-12-272013-10-012013-10-01
Loan Term (Months)7.0 months15.0 months11.0 months
Grace Period (Months)0.5 months0.0 months0.5 months
Total Cost of CreditUSD 33.41USD 243.67USD 97.60
True Price by Comp     
Interest price component32.0%33.0%35.9%
Fee Component0.0%0.0%0.0%
Insurance Component0.6%0.7%0.7%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)32.6%33.7%36.6%
Transparency Index809587
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Group Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountTZS 100,000TZS 250,000TZS 500,000TZS 1,000,000TZS 1,800,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-02-012011-01-022011-01-022011-02-012011-01-09
Loan Term (Months)3.0 months3.0 months6.1 months9.1 months12.1 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component51.4%51.4%50.3%52.3%48.9%
Insurance Component7.8%7.8%4.1%3.0%2.2%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component2.8%47.3%42.3%42.4%35.5%
Full APR (int fee ins tax dep)62.0%106.5%96.7%97.6%86.6%
Transparency Index3923252528
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Oportuno 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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