Please note that the information you are viewing is 112 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Pastoral Social Caritas Ambato Rocafuerte y Lalama Centro Social San Vicente de Paul (3º piso)Ambato, Tungurahua
Data approved: 2010-11-08
Data version: 1
Age of data: 112 months

Product

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Product Details

Key Statistics
Outstanding portfolio (USD)USD 2,771,063.27
Portfolio (USD)USD 2,771,063.27
Active Clients with Loans5,692
Approximate % Female Clients80% - 100%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Grupo organizado de personas los cuales gestionan pequeños prestamos representados por una directiva y se reunen en lugares vincualdos a las parroquias. Actividades: capacitacion, salud y evangelizacion.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other trainingx
OtherCapacitacion en valores y formacion humana, Capacitacion en salud y estilos de vida
Other (2)Si existe el fallecimiento de una socia durante el ciclo, la deuda es condonada
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
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
CurrencyUSD
Minimum loan sizeUSD 50
Maximum loan size9,200
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average6.0 months
Grace Period
Grace period usage90%
Average grace period0.5 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeksx
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest24.00%
Highest quoted nominal interest24.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
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?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited2.00%
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
Additional Comments
Si existe el fallecimiento de una socia durante el ciclo, la deuda es condonada sin importar el monto adeudado. / cuando las personas han llegado a ciclos superiores al 5 o 6 el ahorro en el pago ya no es tan obligatorio aunque puede ser minimo 1% del monto original.

Full Pricing Data

Banco Comunal samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 400USD 1,000USD 2,000USD 9,200
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-04-202010-04-202010-03-032010-07-27
Loan Term (Months)5.6 months5.6 months5.6 months9.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component24.3%24.3%24.3%24.3%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component7.4%7.4%7.1%0.0%
Full APR (int fee ins tax dep)31.7%31.7%31.4%24.3%
Transparency Index76767699
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Banco Comunal Price Graphs


Please note that the information you are viewing is 99 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

F & K Finance Dar Es SalaamTanzaniaPO Box 7242
Data approved: 2011-12-18
Data version: 1
Age of data: 99 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?No
Website addressN/A
Year established2011
Head of InstitutionEmmanuel Kashumba and Felister Machange
Regions active
# Branches1

Total Portfolio (nat'l)TZS 61,410,000
Total Portfolio (USD)USD 38,622.64
Active clients with loans69
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsTAMFI
Funders

Loan Products » Summary

69 Borrowers
USD 38,622.64 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Small and Medium Enterprise Loan TZS 100,000 - 1,500,000 1 - 3 60% - 80% 0% - 20% Business Women, Men, Have business Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Small and Medium Enterprise Loan 60.00% annual, Flat 1 Fee 1 Ins None 20.00% upfront 124.3% - 208.3% 201% - 336.3% 24
Institution Price Graph
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Key Statistics
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# 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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