2. Wasasa
Please note that the information you are viewing is 162 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Wasasa MFI AlemgenaOromiaP O Box 1192
Data approved: 2011-12-23
Data version: 1
Age of data: 162 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established2000
Head of InstitutionAmsalu Alemayehu Gutema
Regions active
# Branches24

Total Portfolio (nat'l)ETB 113,970,892
Total Portfolio (USD)USD 6,194,070.22
Active clients with loans53,981
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliationsAEMFI, MAIN, PAMIGA
FundersTerrafina, Cordaid, Ethio Italian Rural Development Cooperation, World Solidarity Movement

Loan Products » Summary

Employee
4,002 Borrowers
USD 493,914.29 Portfolio
Active Product
Enterprise
452 Borrowers
USD 72,351.36 Portfolio
Active Product
Individual
393 Borrowers
USD 326,133.70 Portfolio
Active Product
Large Group
44,503 Borrowers
USD 4,906,114.40 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Employee Loan ETB 1,000 - 10,000 4 - 24 0% - 20% 80% - 100% Housing, Consumer, Education Women, Men, Salaried worker Credit Educ
Enterprise Loan ETB 2,000 - 10,000 4 - 12 20% - 40% 80% - 100% Business Women, Men, Have business, Must be urban or semi-urban, not for rural clients. Credit Educ, Business Training
Individual Loan ETB 5,000 - 150,000 4 - 24 40% - 60% 80% - 100% Business Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training
Large Group Loan ETB 100 - 5,000 4 - 12 40% - 60% 0% - 20% Any Purpose Women, Men Credit Educ, Other Training, Agricultural Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Employee Loan 15.0% annual, Flat 0 Fees 1 Ins None 10.0%-15.0% upfront 26.6% 31.9% - 33.6% 45
Enterprise Loan 18.0% annual, Flat 0 Fees 1 Ins None 10.0% upfront 32.1% - 33.8% 40.2% - 43.9% 43
Individual Loan 11.0%-15.0% annual, Flat 0 Fees 0 Ins None N/A 21.6% - 26.5% 21.6% - 26.5% 46
Large Group Loan 18.0% annual, Flat 1 Fee 1 Ins None 10.0%-15.0% upfront 23.6% - 23.8% 27.4% - 27.7% 65
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeAnyBusinessEducationLoan PurposeWasasaInstitutionET-016-V01-P01ET-016-V01-P02ET-016-V01-P03ET-016-V01-P04ProductETCountry2011YearRange Number1Institution Data Version05,00010,00015,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 22,00016,00011,0005,500600Number 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.
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  2. WASIL
Please note that the information you are viewing is 118 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

WASIL FOUNDATION 148-PModel Town ExtensionLahore, Punjab
Data approved: 2015-06-11
Data version: 1
Age of data: 118 months

Product

Murabaha Product 1 of 2 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 95,012,510
Portfolio (USD)USD 933,022.85
Active Clients with Loans3,982
Approximate % Female Clients20% - 40%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Murhabha is monthly installment plan, disbursed for enterprise development. This facility is eqaully available to women and men. WF is operating murabha under islamic mode of financing , through dealing in product sale and purchase.
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 servicesx
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 institution1
# Regions for this product1
Regions ActivePunjab

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 10,000
Maximum loan size75,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00010%
PKR 25,000-50,00020%
PKR 50,000-75,00070%
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term8.0 months
Longest loan term15.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months60%
Between 13 and 18 months40%
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 interest22.00%
Highest quoted nominal interest22.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan processing fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min1,000
Fixed amount - max1,000
Reason for variationN/A
Appears on Repayment Sched?Yes
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

Murabaha 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
PKR 30,000 Real 2015-04-24 11.0 months N/A PKR 7,600 53.2% 45.1% 8.1% 0.0% 0.0% 0.0% 41 PDF PDF
PKR 30,000 Generated 2015-06-01 11.0 months N/A PKR 7,057.53 44.8% 37.7% 7.1% 0.0% 0.0% 0.0% 49 - PDF
PKR 50,000 Real 2015-04-10 11.0 months N/A PKR 12,000.40 49.9% 45.1% 4.8% 0.0% 0.0% 0.0% 44 PDF PDF
PKR 50,000 Generated 2015-06-01 11.0 months N/A PKR 11,095.89 41.9% 37.7% 4.2% 0.0% 0.0% 0.0% 52 - PDF
PKR 15,000 Generated 2015-06-01 11.0 months N/A PKR 4,028.77 52.4% 37.7% 14.7% 0.0% 0.0% 0.0% 42 - PDF
PKR 26,000 Generated 2015-06-01 11.0 months N/A PKR 6,249.86 46.0% 37.7% 8.3% 0.0% 0.0% 0.0% 48 - PDF
PKR 29,000 Generated 2015-06-01 11.0 months N/A PKR 6,855.62 45.1% 37.7% 7.4% 0.0% 0.0% 0.0% 49 - PDF
PKR 35,000 Generated 2015-06-01 11.0 months N/A PKR 8,067.12 43.8% 37.7% 6.1% 0.0% 0.0% 0.0% 50 - PDF
PKR 45,000 Generated 2015-06-01 14.0 months N/A PKR 12,581.64 41.7% 37.8% 3.9% 0.0% 0.0% 0.0% 53 - PDF
PKR 65,000 Generated 2015-06-01 14.0 months N/A PKR 17,729.04 40.5% 37.8% 2.7% 0.0% 0.0% 0.0% 54 - PDF
Murabaha Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.OtherInstitution TypeBusinessLoan PurposeWASILInstitutionPK-030-V01-P01ProductPKCountry2015YearRange Number1Institution Data Version020,00040,00060,000Loan Size (all)0%20%40%Full APR (int fee ins tax dep)> 2,1001,6001,00050060Number of Borrowers
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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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