2. AMF
Please note that the information you are viewing is 129 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. MEDA
Please note that the information you are viewing is 161 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: 129 months

Institution

Microempresas de Antioquia A.C Calle 57A # 48-31Cra 49 # 53-19 Of 401Medellín, Antioquia
Data approved: 2011-08-01
Data version: 1
Age of data: 161 months

Product

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Product

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Product Summary

Number borrowers9,600
Loan Amount (range)MAD 10,000 - 50,000
Loan Term (range)6 - 48
Other Services (text summary)Credit Educ, Tech Asst Visits, Business Training, Other Training
Annual Interest & Method16.8% annual, Decl Bal
Fees125.00 upfront 1.50% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component10.3% - 31.5%
Fee Component0.7% - 15.2%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)18.0% - 20.3%
Transparency Index (min/max)62 - 107
Transparency Index (average)88

Product Summary

2,293
COP 1,606,800 - 21,424,000
12 - 180
14.0% annual, Flat
None
4.00% upfront 17.00%-23.00% ongoing
None
N/A
 
N/A
15.1% - 15.3% (Int+Fee)
0.6% - 3.0%
0
17.4% - 18.1%
78 - 105
79

Product Details

Key Statistics
Outstanding portfolio (MAD)MAD 212,010,000
Portfolio (USD)USD 24,942,352.94
Active Clients with Loans9,600
Approximate % Female Clients0% - 20%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
ATTAKADOUM est un prêt individuel consenti aux commerçants et artisans du secteur formel pour le développement de leurs micro-entreprises
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherFinancement du Fonds de Roulement ou Investissement
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
Other
Other (2)
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 institution12
# Regions for this product12
Regions ActiveTangier-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

Product Details

Key Statistics
Outstanding portfolio (COP)COP 18,873,499,724
Portfolio (USD)USD 10,370,054.79
Active Clients with Loans2,293
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Creditos para vivienda en convenio con la empresa de vivienda de Antioquia VIVA, Creada por la gobernacion de Antioquia para el desarrollo del programa de vivienda de interes social del departamento.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried workerx
Must be specific age group
OtherTener ahorro programado 10% valor de la vivienda- con esto of property
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
CurrencyMAD
Minimum loan sizeMAD 10,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than MAD 5,0000
MAD 5,000-15,0005%
MAD 15,000-25,00020%
MAD 25,000-35,00015%
MAD 35,000-45,00030%
Greater than MAD 45,00030%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term48.0 months
Approx average36.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months5%
Between 13 and 18 months5%
Longer than 18 months90%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeksx
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyCOP
Minimum loan sizeCOP 1,606,800
Maximum loan size21,424,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term180.0 months
Approx average120.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest1.40%
Highest quoted nominal interest1.40%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionFrais de dossierCommission d'accompagnement solidaire (CAS)
% of loan amount - min01.50%
% of loan amount - max01.50%
OR, Fixed amount - min1250
Fixed amount - max1250
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
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 forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
Le client doit être de nationalité Marocaine, opérer dans le secteur formel et être apte à exercer une activité génératrice de revenu

Pricing Information

Interest
Lowest quoted nominal interest1.17%
Highest quoted nominal interest1.17%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
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
Ins 1
DescriptionSeguro de Vida
% of loan amount - min4.00%
% of loan amount - max4.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
Ins 1
DescriptionSeguros de Incendio
% of loan amount - min17.00%
% of loan amount - max23.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Attakaddoum samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountMAD 10,000MAD 20,000MAD 31,000MAD 40,000MAD 50,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-01-162013-03-122013-03-012013-04-172013-07-11
Loan Term (Months)21.0 months23.0 months28.0 months45.0 months45.0 months
Grace Period (Months)0.4 months0.4 months0.3 months0.4 months0.4 months
Total Cost of CreditMAD 1,878MAD 3,996MAD 7,355MAD 15,127MAD 18,687
True Price by Comp         
Interest price component17.0%16.9%17.1%17.0%17.0%
Fee Component3.3%2.3%1.7%1.0%1.1%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)20.3%19.2%18.8%18.0%18.1%
Transparency Index8387899393
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Vivienda samples
Sample 1Sample 2Sample 3
Loan AmountCOP 3,552,000COP 6,432,000COP 13,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-02-232011-02-232011-03-30
Loan Term (Months)48.0 months96.0 months120.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component15.1%15.3%15.3%
Insurance Component3.0%2.3%2.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)18.1%17.5%17.4%
Transparency Index788081
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Attakaddoum Price Graphs


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Vivienda Price Graphs


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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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