2. CEPESIU
Please note that the information you are viewing is 175 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. FMFC
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

CEPESIU Veintimilla E10-50 y Av. 12 de OctubreEdificio Quito 12 El Giron Torre W, PenthouseQuito, Pichincha
Data approved: 2010-11-22
Data version: 1
Age of data: 175 months

Institution

Fanikiwa Microfinance Company Limited P.O. Box 8695Dar es salaam, Dar es salaam255
Data approved: 2011-12-18
Data version: 1
Age of data: -   months 
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Product

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Product

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Product Summary

Number borrowers1,612
Loan Amount (range)USD 200 - 1,500
Loan Term (range)4 - 18
Other Services (text summary)Tech Asst Visits
Annual Interest & Method28.6% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp Dep12.0% upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component19.8% - 24.8% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)25.2% - 31.1%
Transparency Index (min/max)87 - 188
Transparency Index (average)97

Product Summary

34
0
0
0.00% annual, 0
 
N/A
46.0% - 46.2% (Int+Fee)
2.1% - 3.8%
0
71.4% - 71.8%
0 - N/A

Product Details

Key Statistics
Outstanding portfolio (USD)USD 589,823
Portfolio (USD)USD 589,823
Active Clients with Loans1,612
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Dirigido al conjunto de microempresas de los segmentos de subsistencia y acumulación simple, bajo la metodologia de grupo solidario.
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 insurance
Workplace visitsx
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
OtherBuena calificacion en central de riesgos.
Other (2)Negocio funcionando 1 año.
# 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 (TZS)TZS 77,078,511
Portfolio (USD)USD 51,386
Active Clients with Loans34
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
The loan product caters for persons who have been with the institution fairly long under group loan product, but would want to access bigger loans as individuals or any other financial product from the institution.
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 insurance
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
CurrencyUSD
Minimum loan sizeUSD 200
Maximum loan size1,500
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term18.0 months
Approx average7.0 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
CurrencyTZS
Minimum loan size0
Maximum loan size0
Loan Term and Grace Period
Shortest loan term0
Longest loan term0
Approx average0
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 usage0
Average grace period0
Repayment Frequency
Daily
Weekly
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 interest28.56%
Highest quoted nominal interest28.56%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termNo
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited12.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to deposit
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
Cepesiu no puede captar ahorros, se trata de un FONDO DE GARANTIA, que es devuelto cuando deudor y miembros de grupo han cancelado sus obligaciones.

Pricing Information

Interest
Lowest quoted nominal interest0
Highest quoted nominal interest0
Interest rate period
Interest Rate Calculation Method0
Subsidized by funder request?N/A
Is rate fixed for entire loan termN/A
Upfront Fees
Fee 1
DescriptionRegistration fee
% of loan amount - min2.00%
% of loan amount - max2.00%
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
DescriptionLoan insurance fund
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required for
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to deposit
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Programa Grupo Solidario samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 340.91USD 454.55USD 568.18USD 909.09
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-09-172010-09-102010-10-252010-10-29
Loan Term (Months)5.0 months6.0 months6.0 months12.0 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 Component24.8%24.8%24.8%19.8%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component6.1%6.3%6.3%5.4%
Full APR (int fee ins tax dep)30.9%31.1%31.1%25.2%
Transparency Index929292100
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Personal Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountTZS 1,000,000TZS 2,000,000TZS 3,000,000TZS 5,000,000
Loan Cycle (1, 2, 3, etc)1111
Disbursement Date2013-02-142013-02-142013-02-202013-01-30
Loan Term (Months)12.0 months12.0 months12.0 months12.0 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 Component46.2%46.2%46.0%46.2%
Insurance Component2.1%2.1%2.1%2.1%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component23.5%23.5%23.3%23.5%
Full APR (int fee ins tax dep)71.8%71.8%71.4%71.8%
Transparency IndexN/AN/AN/AN/A
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Programa Grupo Solidario Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeCEPESIUInstitutionEC-004-V01-P03ProductECCountry2010YearRange Number1Institution Data Version0200400600800Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 80040040Number 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
Personal Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeBusinessLoan PurposeFMFCInstitutionTZ-006-V01-P04ProductTZCountry2011YearRange Number1Institution Data Version01,000,0002,000,0003,000,0004,000,0005,000,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 1091Number 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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