2. IMPRO
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  2. MCBL
Please note that the information you are viewing is 135 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Incubadora de Microempresas Productivas Calle Manuel Ergueta Nº 1741, MorilloLa Paz, Bolivia
Data approved: 2013-09-10
Data version: 2
Age of data: 130 months
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Institution

Mwanga Community Bank MwangaKilimanjaroPO Box 333
Data approved: 2013-04-09
Data version: 2
Age of data: 135 months
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Product

Línea de Créditos de Fomento (USD) Product 3 of 4 « Prev | Next »

Product

Agriculture Loans Product 1 of 7 « Prev | Next »

Product Summary

Number borrowers990
Loan Amount (range)USD 50 - 3,100
Loan Term (range)4 - 24
Other Services (text summary)Credit Ins, Tech Asst Visits
Annual Interest & Method14.4%-21.6% annual, Decl Bal
Fees3.00 ongoing
Insurance0.12%-0.72% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component14.3% - 21.7%
Fee Component4.0% - 18.7%
Insurance Component0.5% - 0.7%
Tax Component Range0
Full APR (int fee ins tax dep)20.4% - 40.9%
Transparency Index (min/max)35 - 71
Transparency Index (average)53

Product Summary

271
TZS 500,000 - 5,000,000
12
Business Training
30.00% annual, Decl Bal
2.00% upfront
0.65% upfront
None
15.00% upfront
 
29.1% - 53.4%
1.5% - 8.5%
0.5% - 2.8%
0
40.1%
25 - 75
74

Product Details

Key Statistics
Outstanding portfolio (USD)USD 1,111,074.50
Portfolio (USD)USD 1,111,074.50
Active Clients with Loans990
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Incluye creditos productivos, de comercio, servicios básicos como agua, electricidad, sanitarios, etc.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Educationx
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 institution1
# Regions for this product1
Regions ActiveLa Paz

Product Details

Key Statistics
Outstanding portfolio (TZS)TZS 387,620,453
Portfolio (USD)USD 243,786.45
Active Clients with Loans271
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
These are loans meant for people who are involved in income generating agricultural activities
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 insurance
Workplace visits
Business trainingx
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 institution1
# Regions for this product1
Regions ActiveKilimanjaro

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 50
Maximum loan size3,100
Distribution at Disbursement (Est.)
Loans less than USD 1,50080%
USD 1,500-5,00020%
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 term4.0 months
Longest loan term24.0 months
Approx average15.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months30%
Between 13 and 18 months40%
Longer than 18 months10%
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 500,000
Maximum loan size5,000,000
Distribution at Disbursement (Est.)
Loans less than TZS 350,0000
TZS 350,000-1,250,00020%
TZS 1,250,000-2,000,00020%
TZS 2,000,000-3,000,00020%
TZS 3,000,000-4,000,00020%
Greater than TZS 4,000,00020%
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period3.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 monthsx
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest1.20%
Highest quoted nominal interest1.80%
Reason(s) why interest rate variesClient Risk, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionCobro por Formularios
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min3
Fixed amount - max3
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de Desgravamen
% of loan amount - min0.12%
% of loan amount - max0.72%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationInsurance fee is 0.03% per month, charged on the disbursed loan amount.
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 interest2.50%
Highest quoted nominal interest2.50%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Facility / Set Up 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?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Life Assurance
% of loan amount - min0.65%
% of loan amount - max0.65%
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 forSome
CriteriaFor those withought frequent deposits
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited15.00%
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 paid5.00%
Maximum interest rate paid5.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
Disbursements for agricultural loans usually take place around September to November

Full Pricing Data

Línea de Créditos de Fomento (USD) samples
Sample 1Sample 2Sample 3
Loan AmountUSD 300USD 800USD 1,200
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-08-132014-04-012014-04-01
Loan Term (Months)6.0 months15.0 months18.0 months
Grace Period (Months)0.1 months0.0 months0.0 months
Total Cost of CreditUSD 38.54USD 144.60USD 197.28
True Price by Comp     
Interest price component21.7%17.8%14.4%
Fee Component18.7%7.9%5.4%
Insurance Component0.5%0.6%0.6%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)40.9%26.3%20.4%
Transparency Index355571
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Agriculture Loans samples
Sample 1Sample 2Sample 4
Loan AmountTZS 700,000TZS 1,000,000TZS 3,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-01-112013-01-222013-01-15
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditTZS 186,550TZS 266,500TZS 799,500
True Price by Comp     
Interest price component29.1%29.1%29.1%
Fee Component2.8%2.8%2.8%
Insurance Component0.9%0.9%0.9%
Tax Component0.0%0.0%0.0%
Deposit Component7.3%7.3%7.3%
Full APR (int fee ins tax dep)40.1%40.1%40.1%
Transparency Index757575
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Línea de Créditos de Fomento (USD) Price Graphs


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Agriculture Loans 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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