2. ACAWE
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  2. SAT
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Institution

Associação Kavenha Wedde Av. Eduardo Mondlane (Recinto da Parroquia Da Sagrada Familia)Quelimane, Zambezia
Data approved: 2012-01-21
Data version: 1
Age of data: 161 months

Institution

Sinapi Aba Trust 22A Ellis Avenue Nhyiaeso, Near Capital Radio, KumasiPostal Office Box 4911, KumasiKUMASSI, ASHANTI REGION233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
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Product Summary

Number borrowers60
Loan Amount (range)MZN 3,000 - 4,000
Loan Term (range)4 - 12
Other Services (text summary)Credit Educ, Group Mtgs
Annual Interest & Method54.0% annual, Decl Bal
Fees50.00 upfront
Insurance1.00% upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component43.4% - 61.0% (Int+Fee)
Insurance Component2.5% - 4.0%
Tax Component Range0
Full APR (int fee ins tax dep)46.3% - 65.0%
Transparency Index (min/max)83 - 134
Transparency Index (average)93

Product Summary

64,500
GHS 200 - 900
6 - 10
22.00%-0.00% annual, Flat
 
N/A
84.3% - 98.5% (Int+Fee)
0 - 3.9%
0
104.3% - 122.6%
18 - 52
19

Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 150,000
Portfolio (USD)USD 4,934.21
Active Clients with Loans60
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village banking
Self help groupx
Other
Description
Credito para comercializacao de productos
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 visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
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 institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 13,000,000
Portfolio (USD)USD 8,666,667
Active Clients with Loans64,500
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
An organized group lending of 5 to 15 economically disadvataged but active individuals to help sustain and grow their businesses. Its simple, flexible and reliable.\r
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
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyMZN
Minimum loan sizeMZN 3,000
Maximum loan size4,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term12.0 months
Approx average6.0 months
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

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 200
Maximum loan sizeGHS 900
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term10.0 months
Approx average8.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage100%
Average grace period0.5 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
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 interest4.50%
Highest quoted nominal interest4.50%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCobre Despesas Administrativas
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min50
Fixed amount - max50
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionPara cobertura do credito vigente em caso de falecimento
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
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

Pricing Information

Interest
Lowest quoted nominal interest22.00%
Highest quoted nominal interest39.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionProcessing FeeTraining fee
% of loan amount - min2.00%0
% of loan amount - max3.50%0
OR, Fixed amount - min03
Fixed amount - max03
Reason for variation
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionClient's Welfare Scheme
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00% - N/A
or, Fixed-amount deposited0 - N/A
Deposits DURING period payments
% loan amount deposited0 - N/A
or, Fixed-amount deposited0 - N/A
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid8.00%
Maximum interest rate paid8.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Credito ao Comercio samples
Sample 1Sample 2Sample 3
Loan AmountMZN 3,000MZN 4,300MZN 4,500
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-10-302011-11-152011-09-30
Loan Term (Months)6.0 months6.0 months6.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component43.4%58.6%61.0%
Insurance Component2.9%3.8%4.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)46.3%62.4%65.0%
Transparency Index1008783
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Trust Bank samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountGHS 400GHS 400GHS 700GHS 800
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-072013-02-072013-01-242013-02-04
Loan Term (Months)4.7 months4.7 months4.7 months4.7 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component84.3%91.9%98.5%90.4%
Insurance Component3.6%3.9%3.8%3.5%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component16.4%18.7%20.2%17.7%
Full APR (int fee ins tax dep)104.3%114.6%122.6%111.6%
Transparency Index21191820
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Credito ao Comercio Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeACAWEInstitutionMZ-002-V01-P02ProductMZCountry2012YearRange Number1Institution Data Version01,0002,0003,0004,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 30102Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
Trust Bank Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeSATInstitutionGH-041-V01-P05ProductGHCountry2011YearRange Number1Institution Data Version0200400600800Loan Size (all)0%50%100%Full APR (int fee ins tax dep)> 32,00024,00016,0008,000800Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
Caps / Zoom options
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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X Axis
Greater than:
Less or equal to:
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Total Borrrowers of Samples
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Std Dev
By Inst Type
By Country

Total Borrowers of Samples

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