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Institution

Sidama MFI Head OfficeHawassaPO Box 565
Data approved: 2011-12-23
Data version: 1
Age of data: 94 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1998
Head of InstitutionMr Tarekegn Bache
Regions active
# Branches20

Total Portfolio (nat'l)ETB 37,000,000
Total Portfolio (USD)USD 2,010,869.57
Active clients with loans52,914
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsAEMFI, MAIN
FundersIrish Aid (initially), Care Ethiopia

Loan Products » Summary

15,345 Borrowers
USD 703,804.35 Portfolio
Active Product
6,350 Borrowers
USD 36,195.65 Portfolio
Active Product
8,465 Borrowers
USD 30,163.04 Portfolio
Active Product
6,350 Borrowers
USD 28,152.17 Portfolio
Active Product
16,403 Borrowers
USD 361,956.52 Portfolio
Active Product
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
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 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
Institution Price Graph
Institution # Borrowers Portfolio (US$) Products Age of Data
AGFS20047,000294
Ahantaman RB23,8009,896,000476
APED13,7001,876,000276
ASA Initiative4,400577,000476
ASA-Ghana71,60018,385,000276
ASPI80088,000676
Atwima Kwanwoma3,8001,788,000276
Baobab5,100967,000276
BestFUND13,0004,172,000376
Bonzali Rural10,4001,691,000494
CashPhase83135,000276
CASUD1,100524,000176
CEDEF50054,000476
CFF10013,000176
CRAN3,6001,019,000276
DQF1,70063,000276
EASL9,20011,409,000676
East Mamprusi12,5002,268,000476
ELDA00076
EMPRETEC Ghana20056,000276
FASL13,50014,047,000876
Grameen Ghana9,500507,000376
ID-Ghana5,600953,000376
Innovative Finance2,700354,000376
Kraban Support7,700781,000594
KRB4,0006,350,000376
Lower Pra RB34,0006,316,000394
Maata-N-Tudu12,000941,000476
Mail Finance300288,000176
Markaz00076
Markaz Al Bishara10017,000176
MicrofinPlus Gh1,100251,000276
Nwabiagya RB4,0002,265,000376
OISL62,00027,232,000976
Pro Credit00076
Rich Step100101,000176
SAT147,60029,359,000476
Sekam Trust600137,000276
Simli Pong8,900463,000394
SS Ghana20035,000176
TCCU10032,000376
The Bridge40032,000394
Union RB3,8002,361,000476
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Key Statistics
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# Institutions
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# Borrowers
Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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