Attawfiq MF - Attaahil - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 127 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Attawfiq MF 3, rue Docteur VeyreRésidence PatioCasablanca, 20070

Data approved: 2013-09-12

Data version: 1

Age of data: 127 months

Download Data

Analyze Data

Product

Attaahil Product 3 of 10 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (MAD)	MAD 23,108,000
Portfolio (USD)	USD 2,718,588.24
Active Clients with Loans	773
Approximate % Female Clients	0% - 20%
Approximate % Urban Clients	80% - 100%

Methodology

Individual
Solidarity group	x
Village banking
Self help group
Other

Description

ATTAAHIL représente l étape ultime du programme des crédits solidaires de la FBPMC. Il coïncide avec la dernière démarche dans les crédits évolutifs de la FBPMC.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other	Financement du fonds de roulement et d'investissement
Other (2)

Included Services

Credit education	x
Group meetings	x
Credit insurance
Workplace visits	x
Business training	x
Other training	x
Other
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business	x
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 institution	12
# Regions for this product	12
Regions Active	Tangier-Tétouan, East and the Rif, Fes-Meknes, Rabat-Sale-Kenitra, Beni Mellal-Khenifra, Settat-Casablanca, Marrakesh-Safi, Drâa-Tafilalt, Souss-Massa, Guelmim-Oued NounEl Aiun-Saguia al Hamra, Dakhla-Oued Addahab

Loan Conditions

Loan Amount

Currency	MAD
Minimum loan size	MAD 40,500
Maximum loan size	50,000

Distribution at Disbursement (Est.)

Loans less than MAD 5,000	0
MAD 5,000-15,000	0
MAD 15,000-25,000	0
MAD 25,000-35,000	0
MAD 35,000-45,000	10%
Greater than MAD 45,000	10%

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	48.0 months
Approx average	34.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	50%
Between 7 and 9 months	30%
Between 10 and 12 months	10%
Between 13 and 18 months	5%
Longer than 18 months	5%

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly	x
Every 2 weeks	x
Every 4 weeks	x
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	1.50%
Highest quoted nominal interest	1.50%
Interest rate period	Monthly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1	Fee 2
Description	Frais de dossier	Commission d'accompagnement solidaire (CAS)
% of loan amount - min	0	1.50%
% of loan amount - max	0	1.50%
OR, Fixed amount - min	125	0
Fixed amount - max	125	0
Reason for variation	N/A	N/A
Appears on Repayment Sched?	Yes	Yes

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 for	Never
Criteria	N/A
Is deposit indicated on the repayment schedule?	N/A
Do borrowers control deposit in their group?	N/A

Deposit BEFORE or AT Disbursement

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Additional Comments

Le client doit avoir bénéficié du prêt AL MOUWAKABA, avoir une historique de crédit solide et disposer dun compte dans une agence Banque Polulaire.

Full Pricing Data

Attaahil samples

	Sample 2	Sample 3	Sample 4
Loan Amount	MAD 40,000	MAD 50,000	MAD 50,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known
Disbursement Date	2013-04-16	2013-04-11	2013-06-06
Loan Term (Months)	28.0 months	45.0 months	34.0 months
Grace Period (Months)	0.4 months	0.4 months	0.4 months
Total Cost of Credit	MAD 12,150	MAD 20,090	MAD 15,051
True Price by Comp
Interest price component	21.7%	18.2%	18.2%
Fee Component	1.7%	1.1%	1.4%
Insurance Component	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	23.4%	19.3%	19.6%
Transparency Index	77	93	92

Original Repayment Schedule	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

Attaahil Price Graphs

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
1st Valley Bank	38,900	48,291,000	3	151
AJDFI	13,100	884,000	6	151
ARDCI	44,600	9,403,000	1	151
ASA Philippines	333,400	29,282,000	1	151
ASHI	35,400	5,231,000	6	151
ASKI	60,000	15,247,000	4	151
Bangko Kabayan	8,900	2,373,000	2	151
BSEI	600	73,000	2	151
CBI	8,100	2,010,000	5	151
CCT	70,300	9,504,000	4	151
CEV	35,400	5,111,000	4	151
DSPI	59,300	3,676,000	3	151
ECLOF	5,400	1,836,000	4	151
FCB	12,000	2,392,000	2	151
FMB	2,700	710,000	2	151
GM Bank	23,500	1,553,000	3	151
HSPFI	19,100	1,899,000	2	151
JVOFI	1,300	281,000	1	151
Katipunan Bank	42,100	5,325,000	2	151
KDCI	20,500	2,095,000	3	151
KGI	32,300	3,421,000	4	151
KMBI	245,000	15,098,000	1	151
LTMPC	37,400	8,935,000	3	151
Mallig Plains	6,500	641,000	2	151
MILAMDEC	29,800	3,278,000	2	151
MWIMPC	11,800	1,740,000	4	150
NWTF	105,500	12,698,000	5	151
OFMPC	4,400	964,000	1	151
PBC	50,700	10,434,000	4	151
PCSD	700	167,000	1	151
PMPC	23,500	5,565,000	8	151
RB Angeles	900	1,502,000	2	151
RB Labason	500	289,000	1	151
RBLI	5,200	1,026,000	2	151
RBMI	11,900	1,750,000	2	151
RMB	100	173,000	1	151
RSPI	39,600	2,834,000	4	151
SAFRAGEMC	1,100	229,000	1	151
Salve	10,900	1,191,000	3	151
SEDP	27,000	3,914,000	3	151
TSKI	212,900	25,187,000	2	151
TSPI	264,500	31,290,000	7	151
Valient	1,700	672,000	2	151

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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
Std Dev

By Inst Type


By Country

	X Axis
	Greater than:
	Less or equal to:
	From 0 to
	to
	to
	to ∞

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Additional Comments

Full Pricing Data

Attaahil samples

Attaahil Price Graphs

Total Borrowers of Samples

Learn More

MFTransparency News

Explore Resources