2. YOSEFO
Please note that the information you are viewing is 157 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. KGI
Please note that the information you are viewing is 158 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Youth Self Employment Foundation Head OfficeDar Es SalaamPO Box 74379
Data approved: 2011-12-18
Data version: 1
Age of data: 157 months

Institution

Kazama Grameen, Inc. Blk. 12, Lot 25, Sta. Monica SubdivisionSubic, Zambales2209
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

Product

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Product

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Product Summary

Number borrowers13,714
Loan Amount (range)TZS 50,000 - 2,000,000
Loan Term (range)3 - 12
Other Services (text summary)Credit Ins
Annual Interest & Method24.00%-29.00% annual, Flat
Fees0.50% upfront
Insurance1.00% upfront
TaxNone
Comp Dep25.00% upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component48.9% - 52.3% (Int+Fee)
Insurance Component2.2% - 7.8%
Tax Component Range0
Full APR (int fee ins tax dep)62.0% - 106.5%
Transparency Index (min/max)23 - 39
Transparency Index (average)26

Product Summary

6,800
PHP 15,000 - 29,000
3 - 12
Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
30.0% annual, Flat
None
2.50% upfront
None
5.0% upfront 50.00 ongoing
 
N/A
61.8% - 63.2% (Int+Fee)
0 - 22.1%
0
83.3% - 95.1%
26 - 46
34

Product Details

Key Statistics
Outstanding portfolio (TZS)TZS 3,185,798,591
Portfolio (USD)USD 2,003,646.91
Active Clients with Loans13,714
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Solidarity Methodology based loans for individuals involved business enterprises
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
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

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 32,000,000
Portfolio (USD)USD 765,550.24
Active Clients with Loans6,800
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Loans for additional capital
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 trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
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
CurrencyTZS
Minimum loan sizeTZS 50,000
Maximum loan size2,000,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average8.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 15,000
Maximum loan size29,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest24.00%
Highest quoted nominal interest29.00%
Reason(s) why interest rate variesClient Risk
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min0.50%
% of loan amount - max0.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% 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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited25.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest2.50%
Highest quoted nominal interest2.50%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
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
Ins 1
DescriptionLoan Redemption Fee
% of loan amount - min2.50%
% of loan amount - max2.50%
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited5.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 50
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid4.00%
Maximum interest rate paid5.00%
Interest payment frequencyQuarterly
Taxes
Are taxes charged on this product?No
Additional Comments
Access to deposits allowed on condition that 2% of the loan amount is maintained.

Full Pricing Data

Group Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountTZS 100,000TZS 250,000TZS 500,000TZS 1,000,000TZS 1,800,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-02-012011-01-022011-01-022011-02-012011-01-09
Loan Term (Months)3.0 months3.0 months6.1 months9.1 months12.1 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component51.4%51.4%50.3%52.3%48.9%
Insurance Component7.8%7.8%4.1%3.0%2.2%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component2.8%47.3%42.3%42.4%35.5%
Full APR (int fee ins tax dep)62.0%106.5%96.7%97.6%86.6%
Transparency Index3923252528
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Project Loan 2 samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 15,000PHP 16,000PHP 27,000PHP 29,000
Loan Cycle (1, 2, 3, etc)1031414
Disbursement Date2011-07-212011-07-192011-07-072011-07-11
Loan Term (Months)2.8 months5.4 months5.4 months6.0 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 Component61.8%62.5%63.2%62.5%
Insurance Component22.1%11.7%11.9%11.7%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component11.2%11.4%9.6%9.2%
Full APR (int fee ins tax dep)95.1%85.5%84.7%83.3%
Transparency Index32353536
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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