2. Sartawi
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. Nwabiagya RB
Please note that the information you are viewing is 139 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 Sartawi Calle Pedro Salazar No 509La Paz, La Paz
Data approved: 2013-11-05
Data version: 2
Age of data: 130 months
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Institution

Nwabiagya Rural Bank Limited KumasiAshanti RegionPO Box B170
Data approved: 2013-03-02
Data version: 2
Age of data: 139 months
Choose version

Product

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Product

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Product Summary

Number borrowers75
Loan Amount (range)USD 50 - 50,000
Loan Term (range)3 - 60
Other Services (text summary)Credit Ins, Tech Asst Visits
Annual Interest & Method15.0%-28.0% annual, Decl Bal
Fees1.00%-2.00% upfront
Insurance0.24%-4.80% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component15.0% - 34.0%
Fee Component0.9% - 5.5%
Insurance Component0.9% - 1.7%
Tax Component Range0
Full APR (int fee ins tax dep)19.0% - 29.9%
Transparency Index (min/max)43 - 82
Transparency Index (average)60

Product Summary

1,137
GHS 200 - 10,000
6
Credit Educ, Group Mtgs, Credit Ins, Other Training, Personal hygiene & health education
28.1% annual, Flat
2.00% upfront
1.00% upfront
None
33.3% upfront
 
42.7% - 47.5%
5.1% - 7.3%
2.6% - 3.8%
0
121.1% - 123.6%
23 - 38
23

Product Details

Key Statistics
Outstanding portfolio (USD)USD 287,198
Portfolio (USD)USD 287,198
Active Clients with Loans75
Approximate % Female Clients20% - 40%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Crédito cuyo destino es la compra de materias primas, insumos, materiales, servicios y mercadería rpara las actividades productivas y comerciales de los clientes.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visitsx
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 institution7
# Regions for this product7
Regions ActiveChuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 1,239,324.86
Portfolio (USD)USD 629,098.91
Active Clients with Loans1,137
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help groupx
Other
Description
This loan is for the market women, carpenters, fitters. It is an individual loan, but under microfinance. Mobile bankers visit and collect savings to deposit in bank.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household financex
OtherPetty Traders
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other trainingx
OtherPersonal hygiene & health education
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 institution1
# Regions for this product1
Regions ActiveAshanti Region

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 50
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than USD 1,50090%
USD 1,500-5,00010%
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 term60.0 months
Approx average31.5 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months5%
Between 10 and 12 months15%
Between 13 and 18 months20%
Longer than 18 months60%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 monthsx
Every 12 months
Single end paymentx
Irregular paymentsx

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 200
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,0000
GHS 1,000-5,00030%
GHS 5,000-7,50050%
GHS 7,500-10,00020%
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term6.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Dailyx
Weekly
Every 2 weeksx
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 interest15.00%
Highest quoted nominal interest28.00%
Reason(s) why interest rate variesLoan Size, 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
Fee 1
DescriptionGastos Administrativos
% of loan amount - min1.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFee varies based on loan amount.
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
Ins 1
DescriptionSeguro de Desgravamen
% of loan amount - min0.24%
% of loan amount - max4.80%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationInsurance fee is 0.08% per month, charged on the total disbursed amount for loans 3,000 USD and below, and charged on the oustanding princpal balalnce only for loans above 3,000 USD.
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
Additional Comments
N/A

Pricing Information

Interest
Lowest quoted nominal interest2.34%
Highest quoted nominal interest2.34%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCommitment 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
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?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited33.33%
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 paid13.50%
Maximum interest rate paid15.50%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Capital de Operaciones (USD) samples
Sample 1Sample 2Sample 3
Loan AmountUSD 500USD 3,000USD 4,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2014-03-062014-03-062014-04-01
Loan Term (Months)10.0 months25.0 months37.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditUSD 44.06USD 931USD 1,845.87
True Price by Comp     
Interest price component15.0%25.0%27.6%
Fee Component2.3%1.7%1.3%
Insurance Component1.7%1.6%1.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)19.0%28.3%29.9%
Transparency Index795350
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Susu Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountGHS 500GHS 1,000GHS 1,500GHS 3,000GHS 2,500GHS 8,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-252013-02-282013-02-282013-02-282013-02-282012-11-22
Loan Term (Months)6.0 months6.0 months6.0 months6.0 months6.0 months6.0 months
Grace Period (Months)0.0 months0.0 months-0.1 months0.0 months0.0 months0.0 months
Total Cost of CreditGHS 85.20GHS 170.40GHS 255.60GHS 511.20GHS 426GHS 1,363.20
True Price by Comp           
Interest price component46.2%46.2%46.7%46.2%46.2%45.9%
Fee Component7.3%7.3%7.3%7.3%7.3%7.2%
Insurance Component3.7%3.7%3.8%3.7%3.7%3.6%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component64.7%64.7%65.8%64.7%64.7%64.4%
Full APR (int fee ins tax dep)121.9%121.9%123.6%121.9%121.9%121.1%
Transparency Index232323232323
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
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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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