- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
AGFS	200	47,000	2	156
Ahantaman RB	23,800	9,896,000	4	138
APED	13,700	1,876,000	2	138
ASA Initiative	4,400	577,000	4	138
ASA-Ghana	71,600	18,385,000	2	138
ASPI	800	88,000	6	138
Atwima Kwanwoma	3,800	1,788,000	2	138
Baobab	5,100	967,000	2	138
BestFUND	13,000	4,172,000	3	138
Bonzali Rural	10,400	1,691,000	4	156
CashPhase	83	135,000	2	138
CASUD	1,100	524,000	1	138
CEDEF	500	54,000	4	138
CFF	100	13,000	1	138
CRAN	3,600	1,019,000	2	138
DQF	1,700	63,000	2	138
EASL	9,200	11,409,000	6	138
East Mamprusi	12,500	2,268,000	4	138
ELDA	0	0	0	138
EMPRETEC Ghana	200	56,000	2	138
FASL	13,500	14,047,000	8	138
Grameen Ghana	9,500	507,000	3	138
ID-Ghana	5,600	953,000	3	138
Innovative Finance	2,700	354,000	3	138
Kraban Support	7,700	781,000	5	156
KRB	4,000	6,350,000	3	138
Lower Pra RB	34,000	6,316,000	3	156
Maata-N-Tudu	12,000	941,000	4	138
Mail Finance	300	288,000	1	138
Markaz	0	0	0	138
Markaz Al Bishara	100	17,000	1	138
MicrofinPlus Gh	1,100	251,000	2	138
Nwabiagya RB	4,000	2,265,000	3	138
OISL	62,000	27,232,000	9	138
Pro Credit	0	0	0	138
Rich Step	100	101,000	1	138
SAT	147,600	29,359,000	4	138
Sekam Trust	600	137,000	2	138
Simli Pong	8,900	463,000	3	156
SS Ghana	200	35,000	1	138
TCCU	100	32,000	3	138
The Bridge	400	32,000	3	156
Union RB	3,800	2,361,000	4	138

Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Association Marocaine Soladirite Sans Frontieres / Micro-Credit 1, Rue Abi, Dar El GhoufariQuartier Prince Heritier 1er EtageFès, Maroc30000

Data approved: 2013-04-25

Data version: 1

Age of data: 132 months

Download Data

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Product

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Product Details

Key Statistics

Outstanding portfolio (MAD)	MAD 12,651,000
Portfolio (USD)	USD 1,488,352.94
Active Clients with Loans	1,855
Approximate % Female Clients	20% - 40%
Approximate % Urban Clients	60% - 80%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

Produit d'investissement octroyé individuellement aux entrepreneurs ayant des activités assez structurées et désirant des montants plus elevés, pour financer des immobilisations de travail ou pour leur fonds de roulement.

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	x
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 institution	5
# Regions for this product	4
Regions Active	East and the Rif, Fes-Meknes, Rabat-Sale-Kenitra, 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	15%
MAD 5,000-15,000	80%
MAD 15,000-25,000	5%
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	30.0 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	40%
Longer than 18 months	10%

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

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

Pricing Information

Interest

Lowest quoted nominal interest	1.50%
Highest quoted nominal interest	2.00%
Reason(s) why interest rate varies	Loan Size
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 fees

Ongoing Fees

	Fee 1
Description	Frais 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 fees

Ongoing 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

Are taxes charged on this product?

Full Pricing Data

Produit Investissement samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5
Loan Amount	MAD 2,940	MAD 5,000	MAD 9,800	MAD 19,000	MAD 29,400
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2013-03-22	2013-04-29	2013-04-05	2013-04-24	2012-10-22
Loan Term (Months)	7.0 months	11.0 months	19.0 months	17.0 months	28.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months	0.0 months	0.0 months
Total Cost of Credit	MAD 540	MAD 1,324	MAD 4,200	MAD 5,613	MAD 14,100
True Price by Comp
Interest price component	44.7%	45.4%	45.0%	34.7%	33.9%
Fee Component	5.3%	3.4%	2.0%	2.4%	1.4%
Insurance Component	0.0%	0.0%	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	50.0%	48.8%	47.0%	37.1%	35.3%
Transparency Index	36	37	38	49	51

Original Repayment Schedule	PDF	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF	PDF

Produit Investissement 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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
Std Dev

By Inst Type


By Country

	X Axis
	Greater than:
	Less or equal to:
	From 0 to
	to
	to
	to ∞

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Produit Investissement samples

Produit Investissement Price Graphs

Total Borrowers of Samples

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