| Outstanding portfolio (THB) | THB 150,884,878.10 |
| Portfolio (USD) | USD 5,114,741.63 |
| Active Clients with Loans | 7,344 |
| 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 | THB |
| Minimum loan size | THB 7,000 |
| Maximum loan size | 60,000 |
| 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 4 | Sample 5 | ||||
|---|---|---|---|---|---|---|---|
| Loan Amount | THB 200,000 | THB 10,000 | THB 20,000 | THB 40,000 | |||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
| Disbursement Date | 2010-10-26 | 2010-10-28 | 2010-10-13 | 2010-10-19 | |||
| Loan Term (Months) | 6.0 months | 12.0 months | 12.0 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 | 33.0% | 31.6% | 31.6% | 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) | 33.0% | 31.6% | 31.6% | 30.4% | |||
| Transparency Index | 87 | 91 | 91 | 95 | |||
| Original Repayment Schedule | |||||||
| MFT Pricing Calculation |
| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 2000 |
| Head of Institution | A.Y.Ghuhia |
| Regions active | Kilimanjaro |
| # Branches | 1 |
| Total Portfolio (nat'l) | TZS 5,079,003,643 |
| Total Portfolio (USD) | USD 3,194,341.91 |
| Active clients with loans | 4,004 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | TAMFI |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loans | TZS 500,000 - 5,000,000 | 12 | 40% - 60% | 0% - 20% | Business | Women, Men | Business Training | |||||||
| Group Loans | TZS 100,000 - 2,200,000 | 3 - 6 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | Business Training | |||||||
| Business Loans | TZS 100,000 - 100,000,000 | 6 - 24 | 20% - 40% | 0% - 20% | Business | Women, Men, Have business | Tech Asst Visits, Other Training | |||||||
| Salaried Loans | TZS 100,000 - 9,000,000 | 1 - 36 | 40% - 60% | 60% - 80% | Consumer | Women, Men, Salaried worker | Credit Educ, Other Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loans | 30.00% annual, Decl Bal | 1 Fee | 1 Ins | None | 15.00% upfront | 31.9% | 40.1% | 74 | ||||||||
| Group Loans | 30.00% annual, Flat | 1 Fee | 1 Ins | None | 15.00% upfront | 57.7% - 61.5% | 78.8% - 86.5% | 37 | ||||||||
| Business Loans | 21.60% annual, Flat | 1 Fee | 1 Ins | None | 15.00% upfront | 32.2% - 41.1% | 42.8% - 58.4% | 43 | ||||||||
| Salaried Loans | 10.00%-18.00% annual, Flat | 1 Fee | 1 Ins | None | N/A | 34.4% - 37.9% | 35.3% - 39.3% | 26 |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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