| Outstanding portfolio (KHR) | KHR 203,906,957.30 |
| Portfolio (USD) | USD 51,622.01 |
| Active Clients with Loans | 245 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | |
| Solidarity group | x |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | x |
| Consumer loan | x |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | x |
| Credit insurance | |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | x |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | 12 |
| # Regions for this product | 11 |
| Regions Active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampot, KandalKratié, Prey VengSiem Reap, Svay Rieng |
| Currency | KHR |
| Minimum loan size | KHR 100,000 |
| Maximum loan size | 1,200,000 |
| Loans less than KHR 1,000,000 | 0 |
| KHR 1,000,000-3,500,000 | 100% |
| KHR 3,500,000-6,000,000 | 0 |
| KHR 6,000,000-8,000,000 | 0 |
| KHR 8,000,000-10,000,000 | 0 |
| Greater than KHR 10,000,000 | 0 |
| Shortest loan term | 4.0 months |
| Longest loan term | 12.0 months |
| Approx average | 10.7 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 10% |
| Between 7 and 9 months | 90% |
| Between 10 and 12 months | 0 |
| Between 13 and 18 months | 0 |
| Longer than 18 months | 0 |
| 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 | x |
| Irregular payments |
| Lowest quoted nominal interest | 3.00% |
| Highest quoted nominal interest | 3.00% |
| 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 |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | KHR 300,000 | KHR 600,000 | KHR 1,200,000 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2013-03-25 | 2013-03-25 | 2013-03-19 | ||
| Loan Term (Months) | 12.0 months | 12.0 months | 12.0 months | ||
| Grace Period (Months) | 10.7 months | 10.7 months | 11.2 months | ||
| Total Cost of Credit | KHR 105,300 | KHR 210,600 | KHR 438,000 | ||
| True Price by Comp | |||||
| Interest price component | 36.0% | 36.0% | 36.0% | ||
| Fee Component | 0.0% | 0.0% | 0.0% | ||
| Insurance Component | 0.0% | 0.0% | 0.0% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 0.0% | 0.0% | 0.0% | ||
| Full APR (int fee ins tax dep) | 36.0% | 36.0% | 36.0% | ||
| Transparency Index | 100 | 100 | 100 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.yosefo.org/ |
| Year established | 1996 |
| Head of Institution | Aletmius Millinga |
| Regions active | |
| # Branches | 6 |
| Total Portfolio (nat'l) | TZS 3,516,132,881 |
| Total Portfolio (USD) | USD 2,211,404.33 |
| Active clients with loans | 17,135 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | TAMFI |
| Funders | Miche Foundation, Stromme Foundation |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Benkijamii Loan | TZS 50,000 - 1,500,000 | 3 - 12 | 60% - 80% | 0% - 20% | Any Purpose | Women, Men, Have business, Belong to the community enjoying the services | Tech Asst Visits, Business Training | |||||||
| Group Loan | TZS 50,000 - 2,000,000 | 3 - 12 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business | Credit Ins | |||||||
| Mavuno Loan | TZS 2,000,000 - 15,000,000 | 3 - 12 | 60% - 80% | 80% - 100% | Any Purpose | Women, Men, Have business, Have home or land | Credit Educ, Tech Asst Visits, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Benkijamii Loan | 24.00%-29.00% annual, Flat | 1 Fee | 1 Ins | None | 25.00% upfront | 45.1% - 54.3% | 89.8% - 106.4% | 25 | ||||||||
| Group Loan | 24.00%-29.00% annual, Flat | 1 Fee | 1 Ins | None | 25.00% upfront | 48.9% - 52.3% | 62% - 106.5% | 26 | ||||||||
| Mavuno Loan | 24.00%-29.00% annual, Flat | 1 Fee | 1 Ins | None | 25.00% upfront | 49.6% - 51.5% | 88.6% - 91.8% | 26 |
| Key Statistics | |
|---|---|
| # 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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