| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.maata-n-tudu.org/ |
| Year established | 1993 |
| Head of Institution | Konlan Lambongang |
| Regions active | Northern Region, Upper East Region, Upper West Region |
| # Branches | 3 |
| Total Portfolio (nat'l) | GHS 1,855,661 |
| Total Portfolio (USD) | USD 941,959.90 |
| Active clients with loans | 12,035 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | GHAMFIN, ASSFIN |
| Funders | CORDAID, UNDP, Grameen Foundation, Planet Finance |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agro Processing Loan | GHS 50 - 1,000 | 9 | 80% - 100% | 0% - 20% | Business | Women, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Grain Banking Loan | GHS 50 - 1,000 | 9 | 80% - 100% | 0% - 20% | Business | Women | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training | |||||||
| Trading Loan | GHS 50 - 1,000 | 6 | 80% - 100% | 40% - 60% | Business | Women, Have business | Credit Educ, Group Mtgs, Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agro Processing Loan | 36.00% annual, Flat | 1 Fee | 0 Ins | None | 20.00% upfront | 45.2% - 46% | 59.3% - 60.5% | 60 | ||||||||
| Grain Banking Loan | 38.04% annual, Flat | 1 Fee | 0 Ins | None | 20.00% upfront | 38.2% - 38.7% | 47.5% - 48.1% | 79 | ||||||||
| Trading Loan | 36.00% annual, Flat | 1 Fee | 0 Ins | None | 20.00% upfront | 51.9% - 56.3% | 71% - 77.1% | 49 |
| Outstanding portfolio (BOB) | BOB 18,246,072 |
| Portfolio (USD) | USD 2,703,121.78 |
| Active Clients with Loans | 151 |
| Approximate % Female Clients | 20% - 40% |
| Approximate % Urban Clients | 60% - 80% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | Uso particular compra vehiculo nuevo |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | |
| Must own a home or land | |
| Must be a salaried worker | x |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | 6 |
| # Regions for this product | 6 |
| Regions Active | Chuquisaca , Cochabamba , La Paz , Oruro , Santa Cruz, Tarija |
| Currency | BOB |
| Minimum loan size | BOB 40,000 |
| Maximum loan size | 700,000 |
| Loans less than BOB 10,000 | 0 |
| BOB 10,000-40,000 | 0 |
| BOB 40,000-70,000 | 15% |
| BOB 70,000-100,000 | 30% |
| BOB 100,000-125,000 | 30% |
| Greater than BOB 125,000 | 30% |
| Shortest loan term | 49.0 months |
| Longest loan term | 98.0 months |
| Approx average | 92.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 0 |
| Between 7 and 9 months | 0 |
| Between 10 and 12 months | 0 |
| Between 13 and 18 months | 0 |
| Longer than 18 months | 100% |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 1.00% |
| Highest quoted nominal interest | 1.00% |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Ins 1 | |
|---|---|
| Description | Seguro de desgravamen |
| % of loan amount - min | 2.34% |
| % of loan amount - max | 2.34% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | La comisión es 0.07% mensual que aplica al saldo del principal del préstamo pendiente. |
| Appears on Repayment Sched? | 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 | BOB 80,000 | BOB 115,000 | BOB 135,000 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2014-01-08 | 2014-01-08 | 2014-01-08 | ||
| Loan Term (Months) | 60.0 months | 60.0 months | 60.0 months | ||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
| Total Cost of Credit | BOB 28,647.35 | BOB 41,180.59 | BOB 48,342.33 | ||
| True Price by Comp | |||||
| Interest price component | 12.1% | 12.1% | 12.1% | ||
| Fee Component | 0.0% | 0.0% | 0.0% | ||
| Insurance Component | 0.9% | 0.9% | 0.9% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 0.0% | 0.0% | 0.0% | ||
| Full APR (int fee ins tax dep) | 13.0% | 13.0% | 13.0% | ||
| Transparency Index | 62 | 62 | 62 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| Key Statistics | |
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| # 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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