2. CETZAM
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  2. FUNBODEM
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Institution

CETZAM Financial Services PLC CETZAM HousePrivate Bag E760Lusaka10101
Data approved: 2011-12-12
Data version: 1
Age of data: 168 months

Institution

Fundacion Boliviana Para El Dessarollo De Le Mujer Calle Rene Moreno # 476Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addressN/A
Year established1996
Head of InstitutionDyson Mandivenga
Regions active
# Branches5

Total Portfolio (nat'l)ZMK 15,315,329,318
Total Portfolio (USD)USD 2,959,483.93
Active clients with loans6,399
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsAMIZ, Opportunity International Network, AMT, INAFI
FundersDevelopment Aid from People to People (DAPP), HIVOS

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established1987
Head of InstitutionJulio Cesar Miranda Franco
Regions active0
# Branches3

Total Portfolio (nat'l)BOB 86,907,157.32
Total Portfolio (USD)USD 12,687,176.25
Active clients with loans9,606
Approximate % female clients60% - 80%
Approximate % urban clients80% - 100%
Network affiliations
Funders

Loan Products » Summary

Agriculture
527 Borrowers
USD 102,699.48 Portfolio
Active Product
Individual
1,909 Borrowers
USD 1,635,389.80 Portfolio
Active Product
Sol Group
2,729 Borrowers
USD 444,139.75 Portfolio
Active Product
Trust Bank
1,548 Borrowers
USD 28,206.06 Portfolio
Active Product

Loan Products » Summary

Asalariado
788 Borrowers
USD 417,712.04 Portfolio
Active Product
Asociativo
317 Borrowers
USD 225,456.52 Portfolio
Active Product
Independent
6,423 Borrowers
USD 7,390,695.18 Portfolio
Active Product
Linea Agil
369 Borrowers
USD 1,617,970.63 Portfolio
Active Product
Oportuno
1,031 Borrowers
USD 781,001.74 Portfolio
Active Product
Temporada
239 Borrowers
USD 45,395.15 Portfolio
Active Product
Transporte
427 Borrowers
USD 1,846,514.49 Portfolio
Active Product
Microwarrant
12 Borrowers
USD 144,000 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan ZMK 800,000 - 2,000,000 3 - 6 60% - 80% 0% - 20% Business, Agriculture activities Women, Men, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Individual Loan ZMK 2,000,000 - 250,000,000 3 - 24 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training
Solidarity Group Loan ZMK 1,000,000 - 5,000,000 3 - 10 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Tech Asst Visits
Trust Bank Loan ZMK 50,000 - 1,500,000 4 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Asalariado USD 50 - 3,000 3 - 48 20% - 40% 60% - 80% Any Purpose Women, Men, Salaried worker Credit Ins
Asociativo USD 50 - 2,000 12 - 36 0% - 20% 80% - 100% Business Women, Men, Have business, Ser mienbro de una asociación Credit Ins
Independiente USD 50 - 15,000 3 - 48 60% - 80% 80% - 100% Business, en caso de que la casa sea parte del negocio, En educación en caso que esta aumente la capacidad Women, Men, Have business Credit Ins
Linea Agil USD 500 - 15,000 4 - 48 40% - 60% 80% - 100% Business, el uso del dinero en la casa en caso que este sea Women, Men, Have business Credit Ins
Oportuno USD 100 - 2,000 3 - 18 60% - 80% 80% - 100% Business Women, Men, Have business Credit Ins
Temporada USD 50 - 400 1 - 4 80% - 100% 80% - 100% Any Purpose Women, Men, Have business, tambien se aplica a personas asalariadas Credit Ins
Transporte USD 500 - 16,000 6 - 48 20% - 40% 60% - 80% Business Women, Men Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 48.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 63.8% - 64.2% 73.5% - 74% 65
Individual Loan 60.0%-78.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 138.3% - 141.3% 167.4% - 177.5% 34
Solidarity Group Loan 72.0%-78.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 138.1% - 143.8% 165.7% - 171.5% 42
Trust Bank Loan 60.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 179.3% - 198% 213.7% - 243.9% 26

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Asalariado 24.0%-36.0% annual, Decl Bal 3 Fees 1 Ins 15.00% Principal N/A 0% 0% N/A
Asociativo 18.0%-20.0% annual, Decl Bal 3 Fees 1 Ins 15.00% Principal N/A 0% 0% N/A
Independiente 20.0%-36.0% annual, Decl Bal 3 Fees 1 Ins 15.00% Principal N/A 0% 0% N/A
Linea Agil 20.0%-32.0% annual, Decl Bal 3 Fees 1 Ins 15.00% Principal N/A 0% 0% N/A
Oportuno 24.0%-36.0% annual, Decl Bal 3 Fees 1 Ins 15.00% Principal N/A 0% 0% N/A
Temporada 32.0%-36.0% annual, Decl Bal 3 Fees 1 Ins 15.00% Principal N/A 0% 0% N/A
Transporte 18.0%-32.0% annual, Decl Bal 3 Fees 1 Ins 15.00% Principal N/A 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 48.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 63.8% - 64.2% 73.5% - 74% 65
Individual Loan 60.0%-78.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 138.3% - 141.3% 167.4% - 177.5% 34
Solidarity Group Loan 72.0%-78.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 138.1% - 143.8% 165.7% - 171.5% 42
Trust Bank Loan 60.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 179.3% - 198% 213.7% - 243.9% 26

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Asalariado 24.0%-36.0% annual, Decl Bal 3 Fees 1 Ins Ins 15.00% Principal N/A 0% 0% N/A
Asociativo 18.0%-20.0% annual, Decl Bal 3 Fees 1 Ins Ins 15.00% Principal N/A 0% 0% N/A
Independiente 20.0%-36.0% annual, Decl Bal 3 Fees 1 Ins Ins 15.00% Principal N/A 0% 0% N/A
Linea Agil 20.0%-32.0% annual, Decl Bal 3 Fees 1 Ins Ins 15.00% Principal N/A 0% 0% N/A
Oportuno 24.0%-36.0% annual, Decl Bal 3 Fees 1 Ins Ins 15.00% Principal N/A 0% 0% N/A
Temporada 32.0%-36.0% annual, Decl Bal 3 Fees 1 Ins Ins 15.00% Principal N/A 0% 0% N/A
Transporte 18.0%-32.0% annual, Decl Bal 3 Fees 1 Ins Ins 15.00% Principal N/A 0% 0% N/A
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankInstitution TypeBusinessLoan PurposeCETZAMInstitutionZM-005-V01-P01ZM-005-V01-P02ZM-005-V01-P03ZM-005-V01-P04ProductZMCountry2011YearRange Number1Institution Data Version02,000,0004,000,0006,000,0008,000,00010,000,000Loan Size (all)0%100%200%Full APR (int fee ins tax dep)> 70030040Number 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
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeAnyBusinessLoan PurposeFUNBODEMInstitutionBO-020-V01-P01BO-020-V01-P02BO-020-V01-P03BO-020-V01-P04BO-020-V01-P06BO-020-V01-P07BO-020-V01-P08ProductBOCountry2010YearRange Number1Institution Data Version05,00010,00015,000Loan Size (all)0%20%40%60%80%Full APR (int fee ins tax dep)> 1,20090060030030Number 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
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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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