| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 2010 |
| Head of Institution | Thaddeo W. Mashera |
| Regions active | Arusha, Dar es Salaam, Mwanza |
| # Branches | 5 |
| Total Portfolio (nat'l) | TZS 800,400,221 |
| Total Portfolio (USD) | USD 503,396.37 |
| Active clients with loans | 1,538 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | TAMFI |
| Funders | Gatsby Charity Fund, Tanzania Gatsby Trust |
| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.acbtz.com |
| Year established | 1997 |
| Head of Institution | John Lwande |
| Regions active | Arusha, Dar es Salaam, Dodoma, Kilimanjaro |
| # Branches | 16 |
| Total Portfolio (nat'l) | TZS 63,080,526,795 |
| Total Portfolio (USD) | USD 39,673,287.29 |
| Active clients with loans | 27,490 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 100% |
| Network affiliations | Tanzania Association For Microfinance Institutions-TAMFI |
| Funders | ACCION International, SIDI, Stichting Hivos-Triodos Fonds, INCOFIN CVSO, Parastatal Pension Funds (PPF) |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Jamii Loan | TZS 50,000 - 2,000,000 | 3 - 12 | 60% - 80% | 20% - 40% | Business | Women, Men, Have business | Business Training | |||||||
| Personal Loan | TZS 1,000,000 - 10,000,000 | 6 - 24 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Biashara Loans ( Individual) | TZS 500,000 - 50,000,000 | 3 - 24 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business, Specific age group | Credit Ins | |||||||
| Solidarity Group Loans | TZS 200,000 - 3,000,000 | 3 - 12 | 60% - 80% | 100% | Business | Women, Men, Have business, Specific age group | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Consumer Loans | TZS 100,000 - 35,000,000 | 6 - 36 | 20% - 40% | 100% | Any Purpose | Women, Men, Salaried worker, Specific age group | Credit Ins | |||||||
| Home Improvement Loans | TZS 500,000 - 20,000,000 | 3 - 12 | 40% - 60% | 100% | For house renovation purpose | Women, Men, Have business, Have home or land, Specific age group | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Jamii Loan | 30.00% annual, Flat | 2 Fees | 1 Ins | None | 10.00% upfront | 53.3% - 59.1% | 68.7% - 75.8% | 41 | ||||||||
| Personal Loan | 24.00% annual, Flat | 2 Fees | 1 Ins | None | 15.00% upfront | 42.8% - 47.5% | 57.5% - 66.4% | 38 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Biashara Loans ( Individual) | 20.0%-22.0% annual, Flat | 2 Fees | 1 Ins | None | N/A | 40.1% - 46.7% | 42% - 50.4% | 45 | ||||||||
| Solidarity Group Loans | 27.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront | 47.2% - 47.6% | 72% - 74.5% | 36 | ||||||||
| Consumer Loans | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 30.9% - 44.7% | 32.2% - 57.5% | 48 | ||||||||
| Home Improvement Loans | 19.5% annual, Flat | 2 Fees | 1 Ins | None | N/A | 36% - 37.6% | 38% - 39.6% | 50 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Jamii Loan | 30.00% annual, Flat | 2 Fees | 1 Ins Ins | None | 10.00% upfront | 53.3% - 59.1% | 68.7% - 75.8% | 41 | ||||||||
| Personal Loan | 24.00% annual, Flat | 2 Fees | 1 Ins Ins | None | 15.00% upfront | 42.8% - 47.5% | 57.5% - 66.4% | 38 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Biashara Loans ( Individual) | 20.0%-22.0% annual, Flat | 2 Fees | 1 Ins Ins | None | N/A | 40.1% - 46.7% | 42% - 50.4% | 45 | ||||||||
| Solidarity Group Loans | 27.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.0% upfront | 47.2% - 47.6% | 72% - 74.5% | 36 | ||||||||
| Consumer Loans | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 30.9% - 44.7% | 32.2% - 57.5% | 48 | ||||||||
| Home Improvement Loans | 19.5% annual, Flat | 2 Fees | 1 Ins Ins | None | N/A | 36% - 37.6% | 38% - 39.6% | 50 |
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