2. ASPI
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  2. AMF
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

AIDEZ Small Project International HSN C191/18, AbelemkpeAccra, Greater Accra
Data approved: 2013-03-26
Data version: 2
Age of data: 145 months
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Institution

Attawfiq MF 3, rue Docteur VeyreRésidence PatioCasablanca, 20070
Data approved: 2013-09-12
Data version: 1
Age of data: 139 months

Product

SME Loan Product 4 of 8 « Prev | Next »

Product

Al Karaoui Product 4 of 10 « Prev | Next »

Product Summary

Number borrowers170
Loan Amount (range)GHS 1,500 - 5,000
Loan Term (range)4 - 8
Other Services (text summary)Credit Educ, Tech Asst Visits, Business Training
Annual Interest & Method48.00% annual, Flat
Fees4.00% upfront
InsuranceNone
TaxNone
Comp Dep15.00%-20.00% upfront
Range of pricing 
Interest Price Component77.3% - 114.4%
Fee Component11.4% - 48.3%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)157.9% - 182.6%
Transparency Index (min/max)23 - 35
Transparency Index (average)28

Product Summary

12,864
MAD 3,000 - 50,000
6 - 48
Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
31.2% annual, Decl Bal
125.00 upfront 1.50% upfront
None
None
N/A
 
10.3% - 31.5%
0.7% - 15.2%
0
0
33.0% - 41.5%
62 - 107
87

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 7,350
Portfolio (USD)USD 3,730.96
Active Clients with Loans170
Approximate % Female Clients80% - 100%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Designed for small and medium sized enterprises for business expansion. Loan ranges from GHS 1000-5000.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visitsx
Business trainingx
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
OtherMust be a graduate from a small group loan
Other (2)Must provide guarantor
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActiveGreater Accra Region, Volta Region

Product Details

Key Statistics
Outstanding portfolio (MAD)MAD 61,579,000
Portfolio (USD)USD 7,244,588.24
Active Clients with Loans12,864
Approximate % Female Clients20% - 40%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
ATTAAHIL est la dernière marche de l’échelle des crédits évolutifs de la FBPMC.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherFinancement des besoins en investissement liés à l’activité de l’élevage
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
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 institution12
# Regions for this product12
Regions ActiveTangier-Tétouan, East and the Rif, Fes-Meknes, Rabat-Sale-Kenitra, Beni Mellal-Khenifra, Settat-Casablanca, Marrakesh-Safi, Drâa-Tafilalt, Souss-Massa, Guelmim-Oued NounEl Aiun-Saguia al Hamra, Dakhla-Oued Addahab

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 1,500
Maximum loan size5,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,0000
GHS 1,000-5,000100%
GHS 5,000-7,5000
GHS 7,500-10,0000
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term8.0 months
Approx average5.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months40%
Between 7 and 9 months60%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period1.0 month
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 paymentsx

Loan Conditions

Loan Amount
CurrencyMAD
Minimum loan sizeMAD 3,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than MAD 5,00020%
MAD 5,000-15,00070%
MAD 15,000-25,00010%
MAD 25,000-35,0000
MAD 35,000-45,0000
Greater than MAD 45,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term48.0 months
Approx average17.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months5%
Between 10 and 12 months30%
Between 13 and 18 months50%
Longer than 18 months15%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeksx
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest4.00%
Highest quoted nominal interest4.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min4.00%
% of loan amount - max4.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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?Yes
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited15.00% - 20.00%
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

Pricing Information

Interest
Lowest quoted nominal interest2.60%
Highest quoted nominal interest2.60%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionFrais de dossierCommission d'accompagnement solidaire (CAS)
% of loan amount - min01.50%
% of loan amount - max01.50%
OR, Fixed amount - min1250
Fixed amount - max1250
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
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
Additional Comments
Micro-entreprises et coopératives agricoles en milieu rural, qui ne répondent pas au critères du systéme bancaire traditionnel.

Full Pricing Data

SME Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountGHS 1,500GHS 1,500GHS 2,800GHS 2,900
Loan Cycle (1, 2, 3, etc)Not Known233
Disbursement Date2013-04-182012-12-262012-12-262012-12-26
Loan Term (Months)4.4 months3.5 months4.7 months5.6 months
Grace Period (Months)0.2 months0.2 months0.2 months0.2 months
Total Cost of CreditGHS 436.20GHS 300GHS 683.14GHS 823.71
True Price by Comp       
Interest price component114.4%92.7%90.2%90.3%
Fee Component21.6%26.2%20.5%17.6%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component46.6%55.7%52.0%50.0%
Full APR (int fee ins tax dep)182.6%174.6%162.7%157.9%
Transparency Index26272930
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Al Karaoui samples
Sample 2Sample 3Sample 4Sample 5
Loan AmountMAD 5,000MAD 10,000MAD 20,000MAD 30,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-07-192013-03-142013-04-182013-03-01
Loan Term (Months)9.0 months17.0 months23.0 months34.0 months
Grace Period (Months)0.4 months0.4 months0.4 months0.3 months
Total Cost of CreditMAD 880MAD 2,855MAD 7,300MAD 16,415
True Price by Comp       
Interest price component31.3%31.3%31.3%31.5%
Fee Component10.2%3.9%2.4%1.5%
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)41.5%35.2%33.7%33.0%
Transparency Index75899394
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
SME Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeASPIInstitutionGH-003-V02-P04ProductGHCountry2013YearRange Number2Institution Data Version05001,0001,5002,0002,5003,000Loan Size (all)0%50%100%150%200%Full APR (int fee ins tax dep)> 100809Number of Borrowers
Click to view Price Analysis Tool
Al Karaoui Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessLoan PurposeAMFInstitutionMA-009-V01-P04ProductMACountry2013YearRange Number1Institution Data Version05,00010,00015,00020,00025,00030,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 9,0006,7004,5002,200200Number of Borrowers
Click to view Price Analysis Tool
Caps / Zoom options
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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