Fundacion Sartawi - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 124 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Please note that the information you are viewing is 151 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Fundacion Sartawi C.Pedro Salazar # 509La Paz

Data approved: 2010-10-28

Data version: 1

Age of data: - months

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Institution

Sidama MFI Head OfficeHawassaPO Box 565

Data approved: 2011-12-23

Data version: 1

Age of data: 151 months

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Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://www.sembrarsartawi.org
Year established	1990
Head of Institution	Maria Elena Querejazu
Regions active	0
# Branches	19

Total Portfolio (nat'l)	BOB 38,539,109
Total Portfolio (USD)	USD 5,626,147.30
Active clients with loans	4,798
Approximate % female clients	40% - 60%
Approximate % urban clients	20% - 40%
Network affiliations
Funders

Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	N/A
Year established	1998
Head of Institution	Mr Tarekegn Bache
Regions active
# Branches	20

Total Portfolio (nat'l)	ETB 37,000,000
Total Portfolio (USD)	USD 2,010,869.57
Active clients with loans	52,914
Approximate % female clients	20% - 40%
Approximate % urban clients	20% - 40%
Network affiliations	AEMFI, MAIN
Funders	Irish Aid (initially), Care Ethiopia

Loan Products » Summary

Inversion

860 Borrowers

USD 1,564,682.48 Portfolio

Active Product

Inversion

686 Borrowers

USD 1,364,352 Portfolio

Active Product

Operaciones

382 Borrowers

USD 386,164.53 Portfolio

Active Product

Operaciones

645 Borrowers

USD 687,319 Portfolio

Active Product

Solidario

850 Borrowers

USD 1,183,191.53 Portfolio

Active Product

Dispon

855 Borrowers

USD 621,112.41 Portfolio

Active Product

Dispon

453 Borrowers

USD 309,574 Portfolio

Active Product

Loan Products » Summary

Agriculture

15,345 Borrowers

USD 703,804.35 Portfolio

Active Product

General

6,350 Borrowers

USD 36,195.65 Portfolio

Active Product

Housing

8,465 Borrowers

USD 30,163.04 Portfolio

Active Product

Enterprise

6,350 Borrowers

USD 28,152.17 Portfolio

Active Product

Petty Trade

16,403 Borrowers

USD 361,956.52 Portfolio

Active Product

Service Loan

530 Borrowers

USD 2,010.87 Portfolio

Active Product

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Capital de Inversión	BOB 1,394 - 139,400	3.6 - 78.7	0%	20% - 40%	Business	Women, Men, Have business	Credit Ins, Other Training, Asistencia tecnica de los compradores de la produccion
Capital de Inversión (USD)	USD 200 - 20,000	3.6 - 78.7	0% - 20%	20% - 40%	Business	Women, Men, Have business	Credit Ins, Other Training, Asistencia tecnica de los compradores de la produccion
Capital de Operaciones	BOB 349 - 139,400	3.7 - 36.9	20% - 40%	20% - 40%	Business, Capital de Trabajo	Women, Men, Have business	Credit Ins, Tech Asst Visits, Other Training, Asistencia tecnica de los compradores de la produccion
Capital de Operaciones (USD)	USD 50 - 20,000	3.7 - 60.9	20% - 40%	20% - 40%	Business, Usar solo para capital de trabajo	Women, Men, Have business	Credit Ins, Business Training, Other Training, Asistencia tecnica de los compradores de la produccion
Capital Operaciones - Grupo Solidario	BOB 349 - 13,940	4.1 - 24.7	20% - 40%	20% - 40%	Business, Usar solo para capital de trabajo	Women, Men, Have business	Credit Ins, Other Training, Asistencia tecnica de los compradores de la produccion
Libre Disponibilidad	BOB 349 - 20,910	3.6 - 60.8	40% - 60%	40% - 60%	Any Purpose	Women, Men, Have business, Salaried worker	Credit Ins
Libre Disponibilidad (USD)	USD 50 - 3,000	5.6 - 60.8	40% - 60%	40% - 60%	Any Purpose	Women, Men, Have business, Salaried worker	Credit Ins

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Agricultural Loan	ETB 300 - 50,000	3 - 24	0% - 20%	0% - 20%	Business, Agriculture	Women, Men	Credit Educ, Group Mtgs, Credit Ins
General Loan	ETB 300 - 10,000	12	40% - 60%	20% - 40%	Any Purpose	Women, Men, Salaried worker	Credit Educ, Group Mtgs, Credit Ins
Housing Loan	ETB 10,000 - 100,000	12 - 24	0% - 20%	80% - 100%	Housing	Women, Men, Have home or land	Credit Ins
Micro and Small Enterprise Loan	ETB 300 - 50,000	3 - 24	0% - 20%	80% - 100%	Business	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins
Petty Trade Loan	ETB 300 - 100,000	3 - 24	20% - 40%	40% - 60%	Business	Women, Men, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Service Loan	ETB 300 - 100,000	12 - 24	40% - 60%	60% - 80%	Business	Women, Men, Have business	Credit Educ, Credit Ins

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Capital de Inversión	20.0%-28.0% annual, Decl Bal	2 Fees	None	N/A	0%	0%	N/A
Capital de Inversión (USD)	20.0%-28.0% annual, Decl Bal	2 Fees	15.00% Principal	N/A	0%	0%	N/A
Capital de Operaciones	20.0%-28.0% annual, Decl Bal	2 Fees	None	N/A	0%	0%	N/A
Capital de Operaciones (USD)	20.0%-28.0% annual, Decl Bal	2 Fees	15.00% Principal	N/A	0%	0%	N/A
Capital Operaciones - Grupo Solidario	27.0% annual, Decl Bal	2 Fees	None	N/A	0%	0%	N/A
Libre Disponibilidad	20.0%-28.0% annual, Decl Bal	2 Fees	15.00% Principal	N/A	0%	0%	N/A
Libre Disponibilidad (USD)	20.0%-28.0% annual, Decl Bal	2 Fees	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
Agricultural Loan	12.0% annual, Flat	1 Fee	1 Ins	None	6.0% upfront 20.00 ongoing	35.6% - 40.4%	41.9% - 48.8%	27
General Loan	18.0% annual, Flat	1 Fee	1 Ins	None	6.0% upfront 20.00 ongoing	35.6% - 35.7%	42.8% - 46.9%	40
Housing Loan	15.0%-18.0% annual, Flat	1 Fee	1 Ins	None	6.0% upfront 20.00 ongoing	28.7% - 35.6%	34.5% - 44.2%	41
Micro and Small Enterprise Loan	18.0% annual, Flat	1 Fee	1 Ins	None	6.0% upfront 20.00 ongoing	28.6% - 35.5%	32.9% - 41.8%	51
Petty Trade Loan	18.0% annual, Flat	1 Fee	1 Ins	None	6.0% upfront 20.00 ongoing	28.7% - 35.7%	32.9% - 43.7%	48
Service Loan	18.0% annual, Flat	1 Fee	1 Ins	None	6.0% upfront 20.00 ongoing	28.7% - 28.8%	32.9% - 33.1%	54

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Capital de Inversión	20.0%-28.0% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
Capital de Inversión (USD)	20.0%-28.0% annual, Decl Bal	2 Fees	0 Ins Ins	15.00% Principal	N/A	0%	0%	N/A
Capital de Operaciones	20.0%-28.0% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
Capital de Operaciones (USD)	20.0%-28.0% annual, Decl Bal	2 Fees	0 Ins Ins	15.00% Principal	N/A	0%	0%	N/A
Capital Operaciones - Grupo Solidario	27.0% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
Libre Disponibilidad	20.0%-28.0% annual, Decl Bal	2 Fees	0 Ins Ins	15.00% Principal	N/A	0%	0%	N/A
Libre Disponibilidad (USD)	20.0%-28.0% annual, Decl Bal	2 Fees	0 Ins 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
Agricultural Loan	12.0% annual, Flat	1 Fee	1 Ins Ins	None	6.0% upfront 20.00 ongoing	35.6% - 40.4%	41.9% - 48.8%	27
General Loan	18.0% annual, Flat	1 Fee	1 Ins Ins	None	6.0% upfront 20.00 ongoing	35.6% - 35.7%	42.8% - 46.9%	40
Housing Loan	15.0%-18.0% annual, Flat	1 Fee	1 Ins Ins	None	6.0% upfront 20.00 ongoing	28.7% - 35.6%	34.5% - 44.2%	41
Micro and Small Enterprise Loan	18.0% annual, Flat	1 Fee	1 Ins Ins	None	6.0% upfront 20.00 ongoing	28.6% - 35.5%	32.9% - 41.8%	51
Petty Trade Loan	18.0% annual, Flat	1 Fee	1 Ins Ins	None	6.0% upfront 20.00 ongoing	28.7% - 35.7%	32.9% - 43.7%	48
Service Loan	18.0% annual, Flat	1 Fee	1 Ins Ins	None	6.0% upfront 20.00 ongoing	28.7% - 28.8%	32.9% - 33.1%	54

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Key Statistics
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# 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

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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

Total Borrowers of Samples

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