Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
AB Bank | 300 | 307,000 | 2 | 168 |
AMZ | 4,900 | 651,000 | 2 | 168 |
CETZAM | 6,700 | 2,210,000 | 4 | 168 |
Eclof Zambia | 200 | 111,000 | 4 | 168 |
Empowerment | 1,500 | 447,000 | 5 | 168 |
FINCA Zambia | 43,700 | 16,420,000 | 4 | 125 |
Harmos | 9,800 | 1,398,000 | 3 | 168 |
Kungoma | 43 | 18,000 | 2 | 168 |
MBT | 13,900 | 1,563,000 | 5 | 168 |
Meanwood | 2,000 | 1,766,000 | 5 | 168 |
PFSL | 1,300 | 3,506,000 | 3 | 168 |
Zambia CRC | 30 | 1,000 | 1 | 168 |
Outstanding portfolio (BOB) | BOB 4,450,282.84 |
Portfolio (USD) | USD 649,676.33 |
Active Clients with Loans | 2,007 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 80% - 100% |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | x |
Agriculture | |
Education | x |
Other household finance | x |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | |
Business training | x |
Other training | |
Other | |
Other (2) | |
No other services |
Men | |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | Men can access up to 10% of portfolio |
Other (2) | New clients need not own business if they have business plan |
Currency | BOB |
Minimum loan size | BOB 13,001 |
Maximum loan size | 14,030 |
Shortest loan term | 4.0 months |
Longest loan term | 6.0 months |
Approx average | 6.0 months |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | x |
Every 4 weeks | |
Monthly | |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 24.00% |
Highest quoted nominal interest | 24.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | N/A |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Comisio por desembolso |
% of loan amount - min | 18.00% |
% of loan amount - max | 18.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | |
Appears on Repayment Sched? | Yes |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | Yes |
Do borrowers control deposit in their group? | Yes |
% loan amount deposited | 20.00% - N/A |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 20.00% - N/A |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | When Leaving |
Minimum interest rate paid | 0.50% |
Maximum interest rate paid | 1.00% |
Interest payment frequency | Annually |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | BOB 13,023.44 | BOB 13,524.34 | BOB 14,025.25 | ||
Loan Cycle (1, 2, 3, etc) | 19 | 18 | 21 | ||
Disbursement Date | 2010-04-01 | 2010-03-30 | 2010-06-22 | ||
Loan Term (Months) | 5.6 months | 5.6 months | 5.6 months | ||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
Total Cost of Credit | Not Known | Not Known | Not Known | ||
True Price by Comp | |||||
Interest and Fee Component | 35.9% | 40.8% | 43.4% | ||
Insurance Component | 0.0% | 0.0% | 0.0% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 24.7% | 31.8% | 36.0% | ||
Full APR (int fee ins tax dep) | 60.6% | 72.6% | 79.4% | ||
Transparency Index | 40 | 33 | 30 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
---|---|---|---|---|---|---|---|