Please note that the information you are viewing is 111 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE


F & K Finance Dar Es SalaamTanzaniaPO Box 7242
Data approved: 2011-12-18
Data version: 1
Age of data: 111 months


Small and Medium Enterprise Loan Product 1 of 1 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (TZS)TZS 61,410,000
Portfolio (USD)USD 38,622.64
Active Clients with Loans69
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Solidarity groupx
Village banking
Self help group
Loan for business of small enterprises
Loan Purpose
Any purpose
Income generationx
Consumer loan
Other household finance
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other (2)
No other services
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
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
Minimum loan sizeTZS 100,000
Maximum loan size1,500,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term3.0 months
Approx average3.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less100%
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Every 2 weeks
Every 4 weeks
Every 2 months
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Lowest quoted nominal interest5.00%
Highest quoted nominal interest5.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min10,000
Fixed amount - max10,000
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Compulsory Deposit
Required forAll
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Are taxes charged on this product?No

Full Pricing Data

Small and Medium Enterprise Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountTZS 100,000TZS 300,000TZS 500,000TZS 1,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-05-162011-05-252011-05-282011-05-19
Loan Term (Months)2.8 months2.8 months2.8 months2.8 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 Component208.3%141.6%133.0%124.3%
Insurance Component10.1%8.8%8.9%8.7%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component117.9%76.6%72.9%68.0%
Full APR (int fee ins tax dep)336.3%227.0%214.8%201.0%
Transparency Index18262830
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Small and Medium Enterprise Loan Price Graphs

Please note that the information you are viewing is 97 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE


Amasezerano Community Bank Head OfficeKigaliPO Box 4691
Data approved: 2012-10-17
Data version: 2
Age of data: 97 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website address
Year established2006
Head of InstitutionFroduald Munyankiko
Regions activeBugesera, Kicukiro
# Branches6

Total Portfolio (nat'l)RWF 930,061,222
Total Portfolio (USD)USD 1,476,287.65
Active clients with loans4,335
Approximate % female clients20% - 40%
Approximate % urban clients60% - 80%
Network affiliationsAMIR, Terrafina
FundersAfrican Evangelical Enterprise, Rwanda, Aquadev, Kiva, Terrafina

Loan Products » Summary

187 Borrowers
USD 337,908 Portfolio
Active Product
1,067 Borrowers
USD 138,600 Portfolio
Active Product
2,764 Borrowers
USD 468,488 Portfolio
Active Product
137 Borrowers
USD 268,414 Portfolio
Active Product
48 Borrowers
USD 75,486 Portfolio
Low Volume Product
28 Borrowers
USD 93,712 Portfolio
Low Volume Product
Retired Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Curuza (Business) MT & LT RWF 100,000 - 10,000,000 4 - 36 0% - 20% 80% - 100% Business Men, Have business
Hembwa Wage MT & LT RWF 10,000 - 5,000,000 1 - 36 20% - 40% 60% - 80% Any Purpose Women, Men, Salaried worker
Kaze (Solidarity Group) GS & GS-PU RWF 10,000 - 500,000 4 - 12 0% - 20% 0% - 20% Business, Housing, Education Men, Have business
Tunga Women MT & LT RWF 100,000 - 10,000,000 1 - 36 80% - 100% 40% - 60% Any Purpose Women, Have business

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Curuza (Business) MT & LT 15.00%-60.00% annual, Flat 2 Fees 1 Ins 18.00% fees 20.00% upfront 28.4% - 73.8% 43.3% - 96.6% 24
Hembwa Wage MT & LT 15.00% annual, Flat 2 Fees 1 Ins 18.00% fees N/A 28.4% - 41.4% 29.5% - 45.1% 44
Kaze (Solidarity Group) GS & GS-PU 30.00% annual, Flat 2 Fees 0 Ins 18.00% fees N/A 52% - 69.5% 56.7% - 73.3% 47
Tunga Women MT & LT 14.00%-60.00% annual, Flat 2 Fees 1 Ins 18.00% fees 10.00% upfront 27.3% - 68.4% 34.7% - 79% 25
Institution Price Graph
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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
X Axis
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N (# of Samples)
Total Borrrowers of Samples
Std Dev
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By Country

Total Borrowers of Samples

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