2. Wisdom MFI
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

Wisdom Microfinance Institution S.Co Bole Sub CityAddis Ababa31478
Data approved: 2012-03-12
Data version: 1
Age of data: 158 months

Product

Agricultural Loan Product 2 of 6 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (ETB)ETB 76,625,544
Portfolio (USD)USD 4,164,431.74
Active Clients with Loans34,703
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This loan is offered on group basis. Loan size can range from 2500-5000 and group size is can be 5 to 35.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
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 business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other75% of group members has to be women
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
CurrencyETB
Minimum loan sizeETB 2,500
Maximum loan size4,500
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average9.0 months
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 paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest19.50%
Highest quoted nominal interest19.50%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
Descriptionservice charge
% of loan amount - min2.50%
% of loan amount - max2.50%
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
DescriptionCredit life insurance
% of loan amount - min2.00%
% of loan amount - max2.00%
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?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited15.00% - N/A
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedETB 10 - N/A
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid5.00%
Maximum interest rate paid5.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
5% interest on saving is compounded monthly

Full Pricing Data

Agricultural Loan samples
Sample 1Sample 2Sample 3
Loan AmountETB 3,000ETB 3,000ETB 3,500
Loan Cycle (1, 2, 3, etc)444
Disbursement Date2011-12-162011-12-162011-12-16
Loan Term (Months)12.0 months12.0 months12.0 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 Component22.1%22.1%22.1%
Insurance Component2.3%2.3%2.3%
Tax Component0.0%0.0%0.0%
Deposit Component3.8%3.8%3.7%
Full APR (int fee ins tax dep)28.1%28.1%28.1%
Transparency Index696969
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Agricultural Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeMultipleLoan PurposeWisdom MFIInstitutionET-017-V01-P02ProductETCountry2012YearRange Number1Institution Data Version01,0002,0003,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 17,00013,0008,6004,300400Number 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. Hluvuku-ADSEMA
Please note that the information you are viewing is 145 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Hluvuku-Associacao de Desenvolvimeto Socio-Economio De Matutuine Rua Principal, Bela Vista Parcela 33Bela Vista, Maputo
Data approved: 2013-05-09
Data version: 2
Age of data: 145 months
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established2001
Head of InstitutionBernardo Luis Tembe
Regions activeMaputo Capital, Maputo Province
# Branches7

Total Portfolio (nat'l)MZN 89,981,867.66
Total Portfolio (USD)USD 2,959,929.86
Active clients with loans5,382
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsAMOMIF, AFRACA
FundersFord Foundation, DNPDR/UNCDF, FARE, Oxfam/Novib

Loan Products » Summary

Com & Serv
1,866 Borrowers
USD 887,978.96 Portfolio
Active Product
Agro
450 Borrowers
USD 443,989.48 Portfolio
Active Product
Habit & Cons
3,066 Borrowers
USD 1,627,961.42 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Comercio & Servicos MZN 1,500 - 350,000 4 - 18 60% - 80% 0% - 20% Business Women, Men Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Credito Agro-pecuaria/ Agro-negocios MZN 1,500 - 200,000 6 - 18 40% - 60% 0% - 20% Business, Agriculture Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Other Training
Credito Habitacao e Bens de consumo MZN 1,500 - 600,000 6 - 18 40% - 60% 0% - 20% Business, Housing, Consumer, Education, Other Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Comercio & Servicos 55.2% annual, Decl Bal 1 Fee 1 Ins None N/A 50% - 53.6% 52.1% - 55.8% 100
Credito Agro-pecuaria/ Agro-negocios 34.8% annual, Decl Bal 1 Fee 1 Ins None N/A 30.5% - 35% 32.5% - 37% 100
Credito Habitacao e Bens de consumo 50.4% annual, Decl Bal 1 Fee 1 Ins None N/A 43.7% - 49.3% 45.9% - 51.5% 100
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessMultipleLoan PurposeHluvuku-ADSEMAInstitutionMZ-010-V02-P01MZ-010-V02-P02MZ-010-V02-P03ProductMZCountry2013YearRange Number2Institution Data Version010,00020,00030,00040,00050,00060,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 1,20090060030030Number 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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