- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
KBL	468,300	120,082,000	16	107
KF	233,600	41,416,000	4	106
NRSP	399,900	70,157,000	3	107
ASA	230,400	29,637,000	3	107
TMFB	221,200	85,449,000	7	107
FMFB	163,544	38,481,323	9	125
TRDP	100,000	13,817,000	3	107
PRSP	75,656	9,907,176	3	125
BRAC^P	57,300	11,869,000	3	107
SRSO	51,100	7,775,000	3	107
SSF	46,000	4,776,000	3	107
FINCA	82,000	43,559,000	9	107
JWS	36,000	6,545,000	2	107
RCDS	35,552	4,856,122	4	125
DAMEN	35,185	7,150,864	1	125
FFO	22,400	3,335,000	3	107
OLP	21,400	3,510,000	3	107
CSC	17,600	3,147,000	1	107
AMRDO	13,800	1,206,000	5	107
WMBL	13,800	6,105,000	3	107
Mojaz	13,400	2,415,000	2	107
SDF	11,500	1,041,000	4	107
POMFB	8,500	2,795,000	4	107
OPD	7,500	918,000	2	107
AGAHE	7,300	797,000	2	107
NRDP	6,184	1,521,972	3	125
GBTI	6,100	669,000	3	125
WASIL	4,300	1,135,000	2	107
Micro Options	4,000	768,000	5	107
VDO	3,900	489,000	3	125
SVDP	3,900	811,000	13	125
SRDO	3,500	766,000	4	107
OSDI	2,000	923,000	3	107
APMBL	1,800	1,401,000	3	107
BEDF	1,400	209,000	3	125
KCDO	800	94,000	1	125

Please note that the information you are viewing is 150 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Dedebit Credit and Savings Institution Head OfficeMekelePO Box 1074

Data approved: 2011-12-23

Data version: 1

Age of data: 150 months

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Product

Business Loan Product 1 of 8 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (ETB)	ETB 616,000,000
Portfolio (USD)	USD 33,478,260.87
Active Clients with Loans	5,000
Approximate % Female Clients	20% - 40%
Approximate % Urban Clients	80% - 100%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

This loan is for those who are running a business or expanding their business.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education	x
Group meetings
Credit insurance
Workplace visits
Business training
Other training
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	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	ETB
Minimum loan size	ETB 15,000
Maximum loan size	5,000,000

Loan Term and Grace Period

Shortest loan term	12.0 months
Longest loan term	60.0 months
Approx average	36.0 months

Grace Period

Grace period usage	100%
Average grace period	3.0 months

Repayment Frequency

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

Pricing Information

Interest

Lowest quoted nominal interest	10.00%
Highest quoted nominal interest	10.00%
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?
Is rate fixed for entire loan term	Yes

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 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?

Full Pricing Data

Business Loan samples

	Sample 1	Sample 2	Sample 3
Loan Amount	ETB 20,000	ETB 25,000	ETB 50,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known
Disbursement Date	2011-05-17	2011-05-30	2011-06-08
Loan Term (Months)	36.0 months	36.0 months	36.0 months
Grace Period (Months)	3.0 months	3.0 months	3.0 months
Total Cost of Credit	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	13.0%	11.1%	13.2%
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)	13.0%	11.1%	13.2%
Transparency Index	77	90	76

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

Business Loan 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

	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

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