2. BJS
Please note that the information you are viewing is 171 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Belghoria Janakalyan Samity BF - 94, Sector - 1, Saltlake CityKolkata, West Bengal700 064
Data approved: 2010-10-25
Data version: 1
Age of data: 171 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established2006
Head of InstitutionBishwajit Das
Regions active
# Branches7

Total Portfolio (nat'l)INR 24,818,991
Total Portfolio (USD)USD 468,282.85
Active clients with loans6,040
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations

Loan Products » Summary

Small Loan
6,040 Borrowers
USD 468,282.85 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Small Loan INR 1,000 - 25,000 12 80% - 100% 0% - 20% Business, Can ONLY be used for Working Capital Women, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Small Loan 29.7% 27.8% - 29.7% 36.6% - 39.2% 42
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Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Small Loan 12.5% annual, Flat 0 Fees 1 Ins None 10.0% upfront 27.8% - 29.7% 36.6% - 39.2% 32
Institution Price Graph
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  2. ABT
Please note that the information you are viewing is 121 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Access Bank Tanzania Limited Derm HouseNew Bagamoyo RoadDar es SalaamPO Box 95068
Data approved: 2014-09-03
Data version: 3
Age of data: 121 months
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Product

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Product Details

Key Statistics
Outstanding portfolio (TZS)TZS 58,039,974,967
Portfolio (USD)USD 36,503,128.91
Active Clients with Loans24,331
Approximate % Female Clients20% - 40%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Product tailored specifically for MSMEs.
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 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
Otheroperating business atleast for six months
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution4
# Regions for this product4
Regions ActiveDar es Salaam, Mwanza, Shinyanga, Tabora

Loan Conditions

Loan Amount
CurrencyTZS
Minimum loan sizeTZS 100,000
Maximum loan size25,000,000
Distribution at Disbursement (Est.)
Loans less than TZS 350,0000
TZS 350,000-1,250,0005%
TZS 1,250,000-2,000,00010%
TZS 2,000,000-3,000,00015%
TZS 3,000,000-4,000,00010%
Greater than TZS 4,000,00010%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average0
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months50%
Between 10 and 12 months40%
Between 13 and 18 months5%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
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

Pricing Information

Interest
Lowest quoted nominal interest3.50%
Highest quoted nominal interest5.50%
Reason(s) why interest rate variesTime as Client, Loan Size
Interest rate periodMonthly
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
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

Full Pricing Data

Business Loan samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
TZS 4,500,000 Real 2014-03-29 12.5 months N/A TZS 1,659,510.96 58.5% 58.5% 0.0% 0.0% 0.0% 0.0% 72 PDF PDF
TZS 4,500,000 Generated 2014-11-01 12.0 months N/A TZS 1,586,205.86 58.6% 58.6% 0.0% 0.0% 0.0% 0.0% 72 - PDF
TZS 9,000,000 Real 2014-02-18 12.2 months N/A TZS 2,830,910 52.9% 52.9% 0.0% 0.0% 0.0% 0.0% 79 PDF PDF
TZS 9,000,000 Generated 2014-11-01 12.0 months N/A TZS 2,832,774.48 52.9% 52.9% 0.0% 0.0% 0.0% 0.0% 79 - PDF
TZS 6,000,000 Generated 2014-11-01 9.0 months N/A TZS 1,588,116.97 58.6% 58.6% 0.0% 0.0% 0.0% 0.0% 72 - PDF
TZS 12,000,000 Generated 2014-11-01 9.0 months N/A TZS 3,176,233.95 58.6% 58.6% 0.0% 0.0% 0.0% 0.0% 72 - PDF
TZS 18,500,000 Generated 2014-09-01 12.2 months 0.0 months TZS 7,233,293.48 64.3% 64.3% 0.0% 0.0% 0.0% 0.0% 65 - PDF
TZS 18,500,000 Generated 2014-11-01 9.0 months N/A TZS 4,896,694 58.6% 58.6% 0.0% 0.0% 0.0% 0.0% 72 - PDF
TZS 21,500,000 Generated 2014-11-01 12.0 months N/A TZS 7,578,539.11 58.6% 58.6% 0.0% 0.0% 0.0% 0.0% 72 - PDF
TZS 25,000,000 Generated 2014-11-01 12.0 months N/A TZS 8,812,254.78 58.6% 58.6% 0.0% 0.0% 0.0% 0.0% 72 - PDF
Business 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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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