Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.sembrarsartawi.org |
Year established | 1990 |
Head of Institution | Marcelo Mallea Castillo |
Regions active | Chuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija |
# Branches | 21 |
Total Portfolio (nat'l) | BOB 181,189,915 |
Total Portfolio (USD) | USD 26,842,950.37 |
Active clients with loans | 14,630 |
Approximate % female clients | 20% - 40% |
Approximate % urban clients | 20% - 40% |
Network affiliations | FINRURAL |
Funders | Banco de Desarrollo de Holanda |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Capital de Inversión | BOB 1,400 - 350,000 | 3 - 36 | 0% - 20% | 20% - 40% | Business | Women, Men, Have business | Credit Ins, Tech Asst Visits | |||||||
Capital de Inversión (USD) | USD 200 - 50,000 | 3 - 36 | 0% - 20% | 20% - 40% | Business | Women, Men, Have business | Credit Ins, Tech Asst Visits | |||||||
Capital de Operaciones | BOB 350 - 350,000 | 3 - 60 | 20% - 40% | 20% - 40% | Business, Agriculture | Women, Men, Have business | Credit Ins, Tech Asst Visits | |||||||
Capital de Operaciones (USD) | USD 50 - 50,000 | 3 - 60 | 20% - 40% | 20% - 40% | Business, Agriculture | Women, Men, Have business | Credit Ins, Tech Asst Visits | |||||||
Capital Operaciones - Grupo Solidario | BOB 350 - 350,000 | 3 - 60 | 20% - 40% | 20% - 40% | Business, Agriculture | Women, Men, Have business | Credit Ins, Tech Asst Visits | |||||||
Libre Disponibilidad | BOB 350 - 21,000 | 6 - 80 | 40% - 60% | 40% - 60% | Any Purpose | Women, Men, Have business, Salaried worker | Credit Educ | |||||||
Banca Comunal | BOB 700 - 11,000 | 3 - 12 | 40% - 60% | 20% - 40% | Business, Agriculture | Women, Men | Credit Educ |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Capital de Inversión | 15.0%-28.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 22.9% - 31.6% | 23.9% - 33% | 52 | ||||||||
Capital de Inversión (USD) | 20.0%-28.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 23.4% - 29.4% | 24.4% - 30.3% | 72 | ||||||||
Capital de Operaciones | 15.0%-28.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 18.3% - 31% | 19.2% - 32.5% | 59 | ||||||||
Capital de Operaciones (USD) | 15.0%-28.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 17.3% - 28.9% | 19% - 29.9% | 60 | ||||||||
Capital Operaciones - Grupo Solidario | 27.0%-36.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 31.9% - 35.4% | 33.6% - 37% | 76 | ||||||||
Libre Disponibilidad | 13.0%-28.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 17.9% - 25.2% | 19.5% - 26.8% | 56 | ||||||||
Banca Comunal | 30.0%-36.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 10.0%-20.0% upfront 10.00%-20.00% ongoing | 33% - 37.5% | 50% - 69.9% | 48 |
Outstanding portfolio (TZS) | TZS 58,039,974,967 |
Portfolio (USD) | USD 36,503,128.91 |
Active Clients with Loans | 24,331 |
Approximate % Female Clients | 20% - 40% |
Approximate % Urban Clients | 80% - 100% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | |
Workplace visits | x |
Business training | x |
Other training | |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | operating business atleast for six months |
Other (2) |
# Regions for this institution | 4 |
# Regions for this product | 4 |
Regions Active | Dar es Salaam, Mwanza, Shinyanga, Tabora |
Currency | TZS |
Minimum loan size | TZS 100,000 |
Maximum loan size | 25,000,000 |
Loans less than TZS 350,000 | 0 |
TZS 350,000-1,250,000 | 5% |
TZS 1,250,000-2,000,000 | 10% |
TZS 2,000,000-3,000,000 | 15% |
TZS 3,000,000-4,000,000 | 10% |
Greater than TZS 4,000,000 | 10% |
Shortest loan term | 3.0 months |
Longest loan term | 24.0 months |
Approx average | 0 |
Loans 3 months or less | 0 |
Between 4 and 6 months | 5% |
Between 7 and 9 months | 50% |
Between 10 and 12 months | 40% |
Between 13 and 18 months | 5% |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 3.50% |
Highest quoted nominal interest | 5.50% |
Reason(s) why interest rate varies | Time as Client, Loan Size |
Interest rate period | Monthly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
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 | ||
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 | - | |
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 | ||
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 | - | |
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 | - | |
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 | - | |
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 | - | |
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 | - | |
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 | - | |
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 | - |
Key Statistics | |
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# Samples: | |
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# Borrowers | |
Loan Portfolio (USD) | |
% Products using declining balance | |
% Products with one or more fee | |
% Products with one or more insurances | |
% Products with compulsory deposits |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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