2. ProCredit
Please note that the information you are viewing is 146 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Kraban Support
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

Banco ProCredit Av. Zedequias Manganhela N?? 267P.O. Box 1636Maputo, Maputo
Data approved: 2012-01-21
Data version: 1
Age of data: -   months 
Choose version

Institution

Kraban Support Foundation Dome-AccraGreater AccraPO Box KD 83, Kanda
Data approved: 2011-12-07
Data version: 1
Age of data: 162 months

Product

Housing Loan Product 2 of 2 « Prev | Next »

Product

Extra Mile Loan Product 2 of 5 « Prev | Next »

Product Summary

Number borrowers781
Loan Amount (range)MZN 40,000 - 75,000
Loan Term (range)9 - 18
Other Services (text summary)Credit Educ, Credit Ins
Annual Interest & Method39.0% annual, Decl Bal
Fees2.00% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component0 (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)0
Transparency Index (min/max)-1
Transparency Index (average)N/A

Product Summary

1,070
GHS 1,200 - 1,200
6
Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
40.00% annual, Flat
1.00-6.00 upfront
None
None
10.00% upfront
 
N/A
64.7% (Int+Fee)
0
0
76.8%
26 - 115
52

Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 19,738,696
Portfolio (USD)USD 636,732
Active Clients with Loans781
Approximate % Female Clients20% - 40%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
The main purpose of this loan is to improve, expand or complete the construction of homes.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
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 landx
Must be a salaried worker
Must be specific age group
OtherMust have collateral
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 (GHS)GHS 428,960
Portfolio (USD)USD 217,746.19
Active Clients with Loans1,070
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This loan targets persons within the formal sector. This includes salary workers, service providers as well as a mix of informal workers.
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 workerx
Must be specific age group
Othersome have businesses, others are salary workers like teachers and nurses
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
CurrencyMZN
Minimum loan sizeMZN 40,000
Maximum loan size75,000
Loan Term and Grace Period
Shortest loan term9.0 months
Longest loan term18.0 months
Approx average12.0 months
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
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 1,200
Maximum loan size1,200
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term6.0 months
Approx average6.0 months
Grace Period
Grace period usage100%
Average grace period1.0 month
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 interest3.25%
Highest quoted nominal interest3.25%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionDisbursement 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
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

Pricing Information

Interest
Lowest quoted nominal interest40.00%
Highest quoted nominal interest40.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionMembership Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min1
Fixed amount - max6
Reason for variation
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 forAll
CriteriaN/A
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 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

Housing Loan samples
Sample 1Sample 2Sample 3
Loan AmountMZN 40,000MZN 42,500MZN 44,000
Loan Cycle (1, 2, 3, etc)311
Disbursement Date2011-06-202011-06-202011-06-17
Loan Term (Months)N/AN/AN/A
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee ComponentDKDKDK
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)DKDKDK
Transparency Index-1-1-1
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Extra Mile Loan samples
Sample 1
Loan AmountGHS 1,200
Loan Cycle (1, 2, 3, etc)Not Known
Disbursement Date2010-12-23
Loan Term (Months)6.0 months
Grace Period (Months)0
Total Cost of CreditNot Known
True Price by Comp 
Interest and Fee Component64.7%
Insurance Component0
Tax Component0
Deposit Component12.1%
Full APR (int fee ins tax dep)76.8%
Transparency Index52
  
Original Repayment SchedulePDF
MFT Pricing CalculationPDF
Housing Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankInstitution TypeHousingLoan PurposeProCreditInstitutionMZ-006-V01-P02ProductMZCountry2012YearRange Number1Institution Data Version010,00020,00030,00040,000Loan Size (all)Full APR (int fee ins tax dep)> 1009010Number 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
Extra Mile Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeKraban SupportInstitutionGH-027-V01-P02ProductGHCountry2011YearRange Number1Institution Data Version02004006008001,0001,200Loan Size (all)0%20%40%60%80%Full APR (int fee ins tax dep)> 50020030Number 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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X Axis
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Total Borrrowers of Samples
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By Country

Total Borrowers of Samples

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