2. PRASAC
Please note that the information you are viewing is 138 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Tujijenge Tanzania
Please note that the information you are viewing is 134 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

PRASAC Building 212, Street 271, Sangkat Tuol Tumpoung IIKhan ChamkarmornPhnom Penh
Data approved: 2013-03-25
Data version: 3
Age of data: 138 months
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Institution

Tujijenge Tanzania Limited Head OfficeDar Es SalaamPO Box 22320
Data approved: 2013-05-30
Data version: 2
Age of data: 134 months
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Product

Business Loan (USD) Product 5 of 9 « Prev | Next »

Product

Group Flexible Loan Product 1 of 4 « Prev | Next »

Product Summary

Number borrowers30,716
Loan Amount (range)USD 75 - 50,000
Loan Term (range)4 - 48
Other Services (text summary)
Annual Interest & Method16.8%-32.4% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component14.5% - 34.8%
Fee Component0
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)21.7% - 32.4%
Transparency Index (min/max)52 - 100
Transparency Index (average)64

Product Summary

2,648
TZS 50,000 - 4,000,000
3 - 12
Credit Educ, Group Mtgs, Credit Ins
48.00% annual, Flat
None
None
None
20.00% upfront
 
54.3% - 93.0%
0 - 37.2%
0
0
91.0% - 138.1%
35 - 55
38

Product Details

Key Statistics
Outstanding portfolio (USD)USD 100,526,647
Portfolio (USD)USD 100,526,647
Active Clients with Loans30,716
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
loan size up to 50,000 USD and loan term 48 months, declining balance for repayment
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 training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
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 institution24
# Regions for this product24
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo

Product Details

Key Statistics
Outstanding portfolio (TZS)TZS 793,564,983.30
Portfolio (USD)USD 499,097.47
Active Clients with Loans2,648
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Loans are advanced to members organized in groups of 15 to 35. However unlike other group products, members in this group do not have to wait for others so as to acces subsequent loans.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
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 institution4
# Regions for this product4
Regions ActiveDar es Salaam, Mara, Mwanza, Pwani

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 75
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than USD 2500
USD 250-1,0000
USD 1,000-1,5000
USD 1,500-2,00010%
USD 2,000-2,50010%
Greater than USD 2,50010%
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term48.0 months
Approx average27.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months5%
Between 13 and 18 months5%
Longer than 18 months80%
Grace Period
Grace period usage10%
Average grace period2.0 months
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 paymentsx

Loan Conditions

Loan Amount
CurrencyTZS
Minimum loan sizeTZS 50,000
Maximum loan size4,000,000
Distribution at Disbursement (Est.)
Loans less than TZS 350,0005%
TZS 350,000-1,250,00050%
TZS 1,250,000-2,000,00030%
TZS 2,000,000-3,000,00015%
TZS 3,000,000-4,000,0000
Greater than TZS 4,000,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months40%
Between 7 and 9 months30%
Between 10 and 12 months30%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest1.40%
Highest quoted nominal interest2.70%
Reason(s) why interest rate variesLoan Size
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
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 interest48.00%
Highest quoted nominal interest48.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00%
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 paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
The other group members can not renew a loan if one of the group members is in arrears.

Full Pricing Data

Business Loan (USD) samples
Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 300USD 600USD 1,800USD 3,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-01-172012-12-262013-03-012012-10-25
Loan Term (Months)12.0 months10.0 months18.0 months24.0 months
Grace Period (Months)0.0 months-0.3 months-0.3 months2.9 months
Total Cost of CreditUSD 52.91USD 84.19USD 302.22USD 750.89
True Price by Comp       
Interest price component32.4%32.4%21.7%21.7%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)32.4%32.4%21.7%21.7%
Transparency Index52527777
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Group Flexible Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountTZS 100,000TZS 300,000TZS 500,000TZS 1,000,000TZS 2,000,000TZS 3,000,000
Loan Cycle (1, 2, 3, etc)163456
Disbursement Date2013-01-142013-02-132013-01-062013-01-222013-02-042013-01-29
Loan Term (Months)5.6 months5.6 months7.0 months7.0 months7.0 months11.0 months
Grace Period (Months)0.0 months0.0 months1.0 month0.0 months0.0 months0.0 months
Total Cost of CreditTZS 24,000TZS 72,000TZS 120,000TZS 320,000TZS 640,000TZS 1,440,000
True Price by Comp           
Interest price component93.0%93.0%65.5%92.0%89.0%89.5%
Fee Component0.0%0.0%0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component45.1%45.1%25.5%42.5%39.7%37.7%
Full APR (int fee ins tax dep)138.1%138.1%91.0%134.5%128.7%127.2%
Transparency Index353553363738
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Business Loan (USD) Price Graphs


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Group Flexible Loan 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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X Axis
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