2. AMZ
Please note that the information you are viewing is 167 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Agora Microfinance Zambia Plot No 3807 Kwacha Road, OlympiaPO Box 745, Post Net Manda HillLusaka
Data approved: 2012-04-03
Data version: 1
Age of data: 167 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established2010
Head of InstitutionMaluba Handahu-Wakung'uma
Regions active
# Branches2

Total Portfolio (nat'l)ZMK 3,373,101,754
Total Portfolio (USD)USD 651,807.10
Active clients with loans4,950
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliations
FundersMoringaway, Concern Worldwide

Loan Products » Summary

End of Term
1,418 Borrowers
USD 225,924.64 Portfolio
Active Product
Flexi 1
3,532 Borrowers
USD 425,675.36 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
End of Term Loan ZMK 400,000 - 1,500,000 6 - 12 40% - 60% 0% Business, Agriculture Women, Men Credit Educ, Group Mtgs
Flexi 1 ZMK 400,000 - 2,000,000 3 - 12 40% - 60% 0% Business Women, Men 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
End of Term Loan 60.0% annual, Decl Bal 1 Fee 0 Ins None 7.0% upfront 64.2% - 68.6% 69.1% - 73.9% 84
Flexi 1 66.0% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront 76% - 79.1% 91% - 95.2% 70
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessMultipleLoan PurposeAMZInstitutionZM-002-V01-P01ZM-002-V01-P02ProductZMCountry2012YearRange Number1Institution Data Version0500,0001,000,0001,500,000Loan Size (all)0%20%40%60%80%100%Full APR (int fee ins tax dep)> 1,00070050020020Number 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. ASKI
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

Alalay sa Kaunlaran, Inc. 105 Maharlika HighwayCabanatuan, Nueva Ecija3100
Data approved: 2011-11-15
Data version: 1
Age of data: 162 months

Product

Alalay sa Pabahay Program (APP) Product 3 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 104,774,813
Portfolio (USD)USD 2,506,574.47
Active Clients with Loans5,103
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Generally aims to improve the quality of life of ASKI clients and staff by providing financial assistance for the construction of new houses or acquisition of lot or house and lot purchase as well as repairs and improvements.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other trainingx
OtherTransformation Program
Other (2)Environment Program
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
OtherExisting ASKI client or staff
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
CurrencyPHP
Minimum loan sizePHP 10,000
Maximum loan size300,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx average12.0 months
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 interest1.75%
Highest quoted nominal interest1.75%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService FeeBusiness Development Service Support
% of loan amount - min3.00%0
% of loan amount - max3.00%0
OR, Fixed amount - min0100
Fixed amount - max0100
Reason for variationN/A
Appears on Repayment Sched?NoNo
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?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited10.00%
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid1.75%
Maximum interest rate paid1.75%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
Interest on CBU is based on average daily balance and is credited directly to client. Outreach based on April 211 data

Full Pricing Data

Alalay sa Pabahay Program (APP) samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountPHP 15,000PHP 30,000PHP 50,000PHP 80,000PHP 100,000
Loan Cycle (1, 2, 3, etc)12222
Disbursement Date2011-04-152011-04-192011-05-312011-05-132011-04-15
Loan Term (Months)24.0 months12.0 months12.0 months24.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component24.3%27.7%34.3%24.4%24.5%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component29.7%11.1%9.5%2.9%2.3%
Full APR (int fee ins tax dep)53.9%38.8%43.9%27.4%26.8%
Transparency Index3954487778
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Alalay sa Pabahay Program (APP) Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeHousingLoan PurposeASKIInstitutionPH-005-V01-P03ProductPHCountry2011YearRange Number1Institution Data Version020,00040,00060,00080,000100,000Loan Size (all)0%20%40%Full APR (int fee ins tax dep)> 1,00070050020020Number 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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