| 9,944 |
| TZS 500,000 - 30,000,000 |
| 3 - 18 |
| Credit Educ, Tech Asst Visits |
| 36.0%-60.0% annual, Decl Bal |
| 0.50% upfront |
| None |
| None |
| N/A |
| 58.6% - 82.2% |
| 0 - 3.6% |
| 0 |
| 0 |
| 59.3% - 60.4% |
| 60 - 100 |
| 60 |
| Outstanding portfolio (TZS) | TZS 27,927,799,527 |
| Portfolio (USD) | USD 17,564,653.79 |
| Active Clients with Loans | 9,944 |
| Approximate % Female Clients | 20% - 40% |
| Approximate % Urban Clients | 80% - 100% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | x |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | |
| Credit insurance | |
| Workplace visits | x |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| 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) |
| # Regions for this institution | 14 |
| # Regions for this product | 16 |
| Regions Active | Arusha, Dar es Salaam, Dodoma, Iringa, Kagera, Kilimanjaro, Manyara, MaraMbeya, Morogoro, Mwanza, Pwani, Ruvuma, Shinyanga, Tabora, Tanga |
| Currency | TZS |
| Minimum loan size | TZS 500,000 |
| Maximum loan size | 30,000,000 |
| Loans less than TZS 350,000 | 0 |
| TZS 350,000-1,250,000 | 30% |
| TZS 1,250,000-2,000,000 | 10% |
| TZS 2,000,000-3,000,000 | 20% |
| TZS 3,000,000-4,000,000 | 15% |
| Greater than TZS 4,000,000 | 15% |
| Shortest loan term | 3.0 months |
| Longest loan term | 18.0 months |
| Approx average | 9.9 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 20% |
| Between 7 and 9 months | 20% |
| Between 10 and 12 months | 30% |
| Between 13 and 18 months | 30% |
| Longer than 18 months | 0 |
| 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 | 3.00% |
| Highest quoted nominal interest | 5.00% |
| Reason(s) why interest rate varies | Loan Size |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Application Fee |
| % of loan amount - min | 0.50% |
| % of loan amount - max | 0.50% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| 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 |
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 425,000 | Generated | 2015-02-01 | 6.0 months | N/A | TZS 79,520.75 | 60.4% | 58.6% | 1.8% | 0.0% | 0.0% | 0.0% | 60 | - | |
| TZS 750,000 | Generated | 2015-02-01 | 9.0 months | N/A | TZS 203,764.51 | 59.9% | 58.6% | 1.3% | 0.0% | 0.0% | 0.0% | 60 | - | |
| TZS 1,000,000 | Generated | 2015-02-01 | 12.1 months | N/A | TZS 359,724.80 | 59.6% | 58.6% | 1.0% | 0.0% | 0.0% | 0.0% | 60 | - | |
| TZS 1,750,000 | Generated | 2015-02-01 | 18.0 months | N/A | TZS 954,488.33 | 59.3% | 58.6% | 0.7% | 0.0% | 0.0% | 0.0% | 61 | - | |
| TZS 2,125,000 | Generated | 2015-02-01 | 6.0 months | N/A | TZS 397,603.75 | 60.4% | 58.6% | 1.8% | 0.0% | 0.0% | 0.0% | 60 | - | |
| TZS 2,500,000 | Generated | 2015-02-01 | 12.1 months | N/A | TZS 899,312 | 59.6% | 58.6% | 1.0% | 0.0% | 0.0% | 0.0% | 60 | - | |
| TZS 3,500,000 | Generated | 2015-02-01 | 18.0 months | N/A | TZS 1,908,976.66 | 59.3% | 58.6% | 0.7% | 0.0% | 0.0% | 0.0% | 61 | - | |
| TZS 4,500,000 | Generated | 2015-02-01 | 18.0 months | N/A | TZS 2,454,398.56 | 59.3% | 58.6% | 0.7% | 0.0% | 0.0% | 0.0% | 61 | - | |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
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| N (# of Samples) | ||||||
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| Avg | ||||||
| Min | ||||||
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| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
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