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Institution
Data approved: 2013-04-25
Data version: 1
Age of data: 133 months
Key Statistics
| Outstanding portfolio (MAD) | MAD 1,493,000 |
| Portfolio (USD) | USD 175,647.06 |
| Active Clients with Loans | 155 |
| Approximate % Female Clients | 0% - 20% |
| Approximate % Urban Clients | 0 |
Methodology
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other | |
Description
Finacement des activit?s de l'?levage, porduit profilit avec un calendrier adapt? aux activit?s de l'?levage
Loan Purpose
| Any purpose | |
| Income generation | x |
| 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 services | x |
Eligibility
| Men | x |
| Women | x |
| Must run a business | |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | |
| Other (2) | |
Portfolio Size by Product
Geographic Coverage
| # Regions for this institution | 5 |
| # Regions for this product | 2 |
| Regions Active | Fes-Meknes, Beni Mellal-Khenifra |
Loan Conditions
Loan Amount
| Currency | MAD |
| Minimum loan size | MAD 3,000 |
| Maximum loan size | 30,000 |
Distribution at Disbursement (Est.)
| Loans less than MAD 5,000 | 10% |
| MAD 5,000-15,000 | 60% |
| MAD 15,000-25,000 | 30% |
| MAD 25,000-35,000 | 0 |
| MAD 35,000-45,000 | 0 |
| Greater than MAD 45,000 | 0 |
Loan Term and Grace Period
| Shortest loan term | 6.0 months |
| Longest loan term | 18.0 months |
| Approx average | 13.0 months |
Distribution at Disbursement (Est.)
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 0 |
| Between 7 and 9 months | 0 |
| Between 10 and 12 months | 50% |
| Between 13 and 18 months | 50% |
| Longer than 18 months | 0 |
Grace Period
| Grace period usage | 0 |
| Average grace period | 0 |
Repayment Frequency
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | x |
| Irregular payments | |
Pricing Information
Interest
| Lowest quoted nominal interest | 2.00% |
| Highest quoted nominal interest | 2.00% |
| Reason(s) why interest rate varies | Time as Client |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Flat |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
Upfront Fees
This product has no upfront feesOngoing Fees
| Fee 1 |
|---|
| Description | Frais de Dossier |
| % of loan amount - min | 2.00% |
| % of loan amount - max | 2.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | Fees that are not mentioned in the "frais dossier" are included in the loan costs since implementation of a new MIS. |
| Appears on Repayment Sched? | Yes |
Upfront Insurance Fees
This product has no upfront insurance feesOngoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
| Required for | Never |
| Criteria | N/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 deposited | N/A |
| or, Fixed-amount deposited | N/A |
Deposits DURING period payments
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| Conditions on access to deposit | N/A |
Interest Paid on Deposit
| Minimum interest rate paid | N/A |
| Maximum interest rate paid | N/A |
| Interest payment frequency | N/A |
Taxes
| Are taxes charged on this product? | No |
Additional Comments
Ce produit avec remboursement infini du capital, selon la nature de l'activit?
Full Pricing Data
Produit Elevage samples
| Sample 1 | | Sample 2 | | Sample 3 | | Sample 4 |
|---|
| Loan Amount | MAD 2,940 | | MAD 4,900 | | MAD 9,800 | | MAD 19,600 |
| Loan Cycle (1, 2, 3, etc) | Not Known | | Not Known | | Not Known | | Not Known |
| Disbursement Date | 2013-07-22 | | 2013-07-23 | | 2013-07-23 | | 2013-07-29 |
| Loan Term (Months) | 12.0 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 | MAD 845 | | MAD 1,400 | | MAD 2,800 | | MAD 5,300 |
| True Price by Comp | | | | | | | |
| Interest price component | 28.8% | | 28.8% | | 28.7% | | 27.7% |
| Fee Component | 1.9% | | 1.9% | | 1.9% | | 1.9% |
| 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) | 30.7% | | 30.7% | | 30.6% | | 29.6% |
| Transparency Index | 78 | | 78 | | 79 | | 81 |
| | | | | | | | |
| Original Repayment Schedule | PDF | | PDF | | PDF | | PDF |
| MFT Pricing Calculation | PDF | | PDF | | PDF | | PDF |
Produit Elevage Price Graphs
