2. COAC Ambato
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. ABT
Please note that the information you are viewing is 126 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Cooperativa de Ahorro y Credito Ambato Ltda Lalama 08-51 y Juan B VelaAmbato, Tungurahua
Data approved: 2010-11-08
Data version: 1
Age of data: 175 months

Institution

Access Bank Tanzania Limited Derm HouseNew Bagamoyo RoadDar es SalaamPO Box 95068
Data approved: 2014-09-03
Data version: 3
Age of data: 126 months
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Product

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Product

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Product Summary

Number borrowers760
Loan Amount (range)USD 400 - 50,000
Loan Term (range)4 - 30
Other Services (text summary)Credit Educ
Annual Interest & Method18.0% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp Dep10.0% upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component15.4% - 23.1% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)18.2% - 27.1%
Transparency Index (min/max)66 - 99
Transparency Index (average)77

Product Summary

24,331
TZS 100,000 - 25,000,000
3 - 24
Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
42.0%-66.0% annual, Decl Bal
None
None
None
N/A
 
50.0% - 64.3%
0 - 4.8%
0
0
52.9% - 64.3%
65 - 79
72

Product Details

Key Statistics
Outstanding portfolio (USD)USD 14,598,939
Portfolio (USD)USD 14,598,939
Active Clients with Loans760
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Este credito va en beneficio de los agricultores del sector rural y apoyo para sostenebilidad familiar.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetings
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 (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
CurrencyUSD
Minimum loan sizeUSD 400
Maximum loan size50,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term30.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

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 interest18.00%
Highest quoted nominal interest18.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
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
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forSome
CriteriaLos ahorros de plazo fijo que al cliente le damos un interes y tambien en sus ahorros mantenidos en su cuenta el interes se deposita mensual.
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid3.00%
Maximum interest rate paid6.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

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

Microcredito samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 400USD 800USD 2,020USD 3,636USD 8,080USD 13,332
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-08-052010-08-032010-08-162010-08-042010-08-312010-08-27
Loan Term (Months)6.0 months12.0 months15.0 months24.0 months30.0 months30.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component23.1%22.3%15.4%20.3%20.3%18.2%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component4.0%4.2%2.8%3.8%3.9%3.4%
Full APR (int fee ins tax dep)27.1%26.4%18.2%24.1%24.1%21.7%
Transparency Index666899757583
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Business Loan samples
Type of Sample
Grace Period (Months)
Full APR (int fee ins tax dep)
True Price by Component
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
Microcredito Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoopInstitution TypeBusinessLoan PurposeCOAC AmbatoInstitutionEC-016-V01-P02ProductECCountry2010YearRange Number1Institution Data Version05,00010,000Loan Size (all)0%10%20%Full APR (int fee ins tax dep)> 100708Number 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
Business Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankInstitution TypeBusinessLoan PurposeABTInstitutionTZ-001-V03-P01ProductTZCountry2014YearRange Number3Institution Data Version05,000,00010,000,00015,000,00020,000,00025,000,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 3,6002,7001,800900100Number of Borrowers
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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