2. Maata-N-Tudu
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
  2. PRODEM
Please note that the information you are viewing is 130 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Maata-N-Tudu Association Head OfficeTamale, NorthernP.O. Box 1015
Data approved: 2013-02-13
Data version: 2
Age of data: 139 months
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Institution

FFP Prodem S.A. Belisario Salinas # 520La Paz13963
Data approved: 2013-09-06
Data version: 2
Age of data: 130 months
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Product

Agro Processing Loan Product 1 of 4 « Prev | Next »

Product

Estacional Product 2 of 4 « Prev | Next »

Product Summary

Number borrowers2,620
Loan Amount (range)GHS 50 - 1,000
Loan Term (range)9
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins
Annual Interest & Method36.00% annual, Flat
Fees2 upfront
InsuranceNone
TaxNone
Comp Dep20.00% upfront
Range of pricing 
Interest Price Component37.8% - 50.5%
Fee Component0.4% - 5.8%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)59.3% - 60.5%
Transparency Index (min/max)47 - 80
Transparency Index (average)60

Product Summary

1,096
BOB 24,000 - 140,000
1 - 6
Credit Ins
16.0%-27.0% annual, Decl Bal
None
0.07%-0.39% upfront 0.07%-0.39% ongoing
None
N/A
 
15.6% - 29.5%
0
0.7% - 1.1%
0
16.4% - 18.5%
52 - 98
92

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 589,500
Portfolio (USD)USD 299,238.58
Active Clients with Loans2,620
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Given to clients using loan for rice processing, pito brewing, handicraft production, and shea butter production. The loan term is nine months, with a three-month grace period and six equal monthly installments.
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
Men
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 institution3
# Regions for this product3
Regions ActiveNorthern Region, Upper East Region, Upper West Region

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 194,376,135
Portfolio (USD)USD 28,796,464.44
Active Clients with Loans1,096
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Credito destinado para la compra de mercaderia. El mismo es de corto plazo a una cuota con garantia prendaria (mercarderia). El credito es otorgado en Bolivianos como en dolares.
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 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 institution9
# Regions for this product9
Regions ActiveBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 50
Maximum loan size1,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,000100%
GHS 1,000-5,0000
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 term9.0 months
Longest loan term9.0 months
Approx average9.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months100%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period3.0 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 payments

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 24,000
Maximum loan size140,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,0000
BOB 10,000-40,0005%
BOB 40,000-70,00015%
BOB 70,000-100,00030%
BOB 100,000-125,00010%
Greater than BOB 125,00010%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term6.0 months
Approx average5.5 months
Distribution at Disbursement (Est.)
Loans 3 months or less10%
Between 4 and 6 months90%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionMembership dues
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min2
Fixed amount - max2
Reason for variation1st cycle loans= 4 GHS. Multiple cycle loans= 2 GHS
Appears on Repayment Sched?No
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?No
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

Pricing Information

Interest
Lowest quoted nominal interest16.00%
Highest quoted nominal interest27.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk
Interest rate periodYearly
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
Ins 1
DescriptionSeguro de desgravamen anticipado
% of loan amount - min0.07%
% of loan amount - max0.39%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFee is 0.065% multiplied by the number of months between the disbursement date and the first date of repayment.
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de desgravamen
% of loan amount - min0.07%
% of loan amount - max0.39%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFee is 0.065% per month, charged on the outstanding loan principal.
Appears on Repayment Sched?Yes
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

Full Pricing Data

Agro Processing Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountGHS 300GHS 400GHS 850GHS 900
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-01-182013-01-182013-01-182013-01-18
Loan Term (Months)9.0 months9.0 months9.0 months9.0 months
Grace Period (Months)3.0 months3.0 months3.0 months3.0 months
Total Cost of CreditGHS 83GHS 110GHS 231.50GHS 245
True Price by Comp       
Interest price component44.8%44.8%44.8%44.8%
Fee Component1.2%0.9%0.4%0.4%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component14.5%14.3%14.1%14.1%
Full APR (int fee ins tax dep)60.5%60.0%59.3%59.3%
Transparency Index60606161
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Estacional samples
Sample 1Sample 2Sample 3
Loan AmountBOB 80,000BOB 80,000BOB 135,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-08-202013-07-192013-10-18
Loan Term (Months)5.9 months6.0 months5.9 months
Grace Period (Months)0.0 months5.0 months4.9 months
Total Cost of CreditBOB 5,529.67BOB 6,712BOB 11,874
True Price by Comp     
Interest price component17.4%15.6%16.6%
Fee Component0.0%0.0%0.0%
Insurance Component1.1%0.8%0.8%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)18.5%16.4%17.4%
Transparency Index869892
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Agro Processing 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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