| Outstanding portfolio (KHR) | KHR 224,446,000,000 |
| Portfolio (USD) | USD 56,821,772.15 |
| Active Clients with Loans | 139,997 |
| Approximate % Female Clients | 60% - 80% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | x |
| Solidarity group | x |
| 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 | |
| Group meetings | |
| Credit insurance | |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services | x |
| 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 | |
| Other (2) |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Currency | KHR |
| Minimum loan size | KHR 50,000 |
| Maximum loan size | 6,000,000 |
| Shortest loan term | 6.0 months |
| Longest loan term | 18.0 months |
| Approx average | 12.0 months |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | x |
| Every 2 weeks | x |
| Every 4 weeks | x |
| Monthly | x |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 2.40% |
| Highest quoted nominal interest | 2.70% |
| Reason(s) why interest rate varies | Branch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | Yes |
| 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 |
| Sample 1 | Sample 2 | Sample 3 | Sample 5 | ||||
|---|---|---|---|---|---|---|---|
| Loan Amount | KHR 600,000 | KHR 1,200,000 | KHR 5,000,000 | KHR 2,500,000 | |||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
| Disbursement Date | 2010-10-28 | 2010-10-06 | 2010-10-05 | 2010-10-25 | |||
| Loan Term (Months) | 12.0 months | 12.0 months | 18.0 months | 12.0 months | |||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||
| Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | |||
| True Price by Comp | |||||||
| Interest and Fee Component | 32.9% | 32.8% | 32.8% | 30.4% | |||
| Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Full APR (int fee ins tax dep) | 32.9% | 32.8% | 32.8% | 30.4% | |||
| Transparency Index | 88 | 88 | 88 | 95 | |||
| Original Repayment Schedule | |||||||
| MFT Pricing Calculation |
| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.nmbtz.com/ |
| Year established | 1997 |
| Head of Institution | Mark Wiessing |
| Regions active | Arusha, Dar es Salaam, Dodoma, Iringa, Kagera, Kigoma, Kilimanjaro, Lindi, Manyara, MaraMbeya, Morogoro, Mtwara, Mwanza, Pemba North, Pemba South, Pwani, Rukwa, Ruvuma, ShinyangaSingida, Tabora |
| # Branches | 140 |
| Total Portfolio (nat'l) | TZS 118,500,000,000 |
| Total Portfolio (USD) | USD 74,528,301.89 |
| Active clients with loans | 45,197 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | |
| Funders | Rabobank, The Government of the United Republic of Tanzania, Public, National Investment Company Limited (NICOL) |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MSE Loan | TZS 100,000 - 10,000,000 | 6 - 24 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business, Loan must be secured, Applicant must be of 18 age and above | Credit Educ, Credit Ins, Tech Asst Visits, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MSE Loan | 24.00% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 23.6% - 29.4% | 25% - 32.1% | 88 |
| 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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