2. FITSE
Please note that the information you are viewing is 147 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Finance Trust For The Self Employed Private Bag A232Lilongwe, Central Region
Data approved: 2013-01-08
Data version: 2
Age of data: 147 months
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.worldvision.com
Year established2000
Head of InstitutionMasutano Mulaga
Regions activeKasungu, Lilongwe, Mchinji, Ntcheu, Salima, Mzimba, Nkhata Bay, Balaka, Blantyre, Mulanje
# Branches2

Total Portfolio (nat'l)MWK 253,269,047.10
Total Portfolio (USD)USD 649,407.81
Active clients with loans8,790
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsMalawi Microfinance Network (MAMN)
FundersVision Fund International, World Vision International, World Vision, Malawi (ADP)

Loan Products » Summary

Agric 1
115 Borrowers
USD 7,070.26 Portfolio
Active Product
Agric 2
829 Borrowers
USD 97,014.29 Portfolio
Active Product
Business 2
7,792 Borrowers
USD 514,401.47 Portfolio
Active Product
Business 3
54 Borrowers
USD 30,921.79 Portfolio
Active Product
Business Loan I (Group)
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural loan I (Irrigation loan - Group) MWK 5,000 - 100,000 4 - 12 40% - 60% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training
Agricultural Loan II (Rain fed - Group) MWK 5,000 - 200,000 6 - 10 40% - 60% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Business Loan II (Group) MWK 5,000 - 300,000 6 - 9 40% - 60% 80% - 100% Business, Not unacceptable businesses e.g beer brewing, tobacco, charcoal. Women, Men, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Business Loan III (Individual) MWK 5,000 - 2,000,000 4 - 12 60% - 80% 80% - 100% Business, Not unacceptable businesses e.g beer brewing, tobacco, charcoal. Women, Men, Have business Credit Educ, Group Mtgs

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural loan I (Irrigation loan - Group) 54.00% annual, Flat 2 Fees 0 Ins None 20.00% upfront 51.9% - 56.9% 63.7% - 70% 82
Agricultural Loan II (Rain fed - Group) 54.00% annual, Flat 2 Fees 0 Ins None 20.00% upfront 52% - 64.5% 63.1% - 79.2% 78
Business Loan II (Group) 48.00% annual, Flat 2 Fees 0 Ins None 20.00% upfront 80.9% - 99.8% 112.7% - 139.6% 39
Business Loan III (Individual) 42.00% annual, Flat 2 Fees 0 Ins None 10.00% upfront 72.8% - 74.5% 91% - 93.2% 45
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeFITSEInstitutionMW-003-V02-P01MW-003-V02-P02MW-003-V02-P04MW-003-V02-P05ProductMWCountry2013YearRange Number2Institution Data Version0100,000200,000300,000400,000500,000Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 4,6003,5002,3001,100100Number of Borrowers
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  2. RCDS
Please note that the information you are viewing is 136 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Rural Community Development Society 1st Floor, Hajvery Plaza, Bara Dari Road, Begum Kot, ShahdaraLahore, Punjab54000
Data approved: 2013-08-02
Data version: 1
Age of data: 136 months

Product

Live Stock Financing Product 3 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 51,864,804
Portfolio (USD)USD 529,232.69
Active Clients with Loans1,693
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This loan product is specificallly designed for live stock clients. The loan will be disbursed based on group lending methodology.
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 insurance
Workplace visits
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 groupx
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 40,000
Maximum loan size100,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,0000
PKR 25,000-50,00030%
PKR 50,000-75,00050%
PKR 75,000-150,00020%
Greater than PKR 150,00020%
Loan Term and Grace Period
Shortest loan term18.0 months
Longest loan term18.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months100%
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 interest15.00%
Highest quoted nominal interest15.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
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

Live Stock Financing samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPKR 40,000PKR 50,000PKR 100,000PKR 100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-11-252013-11-252013-12-142013-10-15
Loan Term (Months)18.0 months18.0 months18.0 months18.0 months
Grace Period (Months)-0.3 months-0.3 months0.0 months0.0 months
Total Cost of CreditPKR 11,000.02PKR 13,750.06PKR 27,500.06PKR 27,500.06
True Price by Comp       
Interest price component27.6%27.6%26.5%26.5%
Fee Component7.3%7.3%7.0%7.0%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)34.9%34.9%33.5%33.5%
Transparency IndexN/AN/AN/AN/A
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Live Stock Financing Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeMultipleLoan PurposeRCDSInstitutionPK-021-V01-P03ProductPKCountry2013YearRange Number1Institution Data Version020,00040,00060,00080,000100,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 100809Number 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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