| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.yosefo.org/ |
| Year established | 1996 |
| Head of Institution | Aletmius Millinga |
| Regions active | |
| # Branches | 6 |
| Total Portfolio (nat'l) | TZS 3,516,132,881 |
| Total Portfolio (USD) | USD 2,211,404.33 |
| Active clients with loans | 17,135 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | TAMFI |
| Funders | Miche Foundation, Stromme Foundation |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 2000 |
| Head of Institution | Merga Bekele |
| Regions active | |
| # Branches | 12 |
| Total Portfolio (nat'l) | ETB 44,028,216 |
| Total Portfolio (USD) | USD 2,392,837.83 |
| Active clients with loans | 24,199 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | AEMFI, MAIN |
| Funders | RUFIP, Oxfam Novib |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Benkijamii Loan | TZS 50,000 - 1,500,000 | 3 - 12 | 60% - 80% | 0% - 20% | Any Purpose | Women, Men, Have business, Belong to the community enjoying the services | Tech Asst Visits, Business Training | |||||||
| Group Loan | TZS 50,000 - 2,000,000 | 3 - 12 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business | Credit Ins | |||||||
| Mavuno Loan | TZS 2,000,000 - 15,000,000 | 3 - 12 | 60% - 80% | 80% - 100% | Any Purpose | Women, Men, Have business, Have home or land | Credit Educ, Tech Asst Visits, Business Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | ETB 500 - 7,500 | 6 - 18 | 40% - 60% | 80% - 100% | Business | Women, Men | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Employee Loan | ETB 500 - 10,000 | 6 - 18 | 20% - 40% | 80% - 100% | Any Purpose | Women, Men, Salaried worker | Credit Ins | |||||||
| Rural Agricultural Loan | ETB 500 - 7,500 | 6 - 12 | 20% - 40% | 0% - 20% | Business, Agriculture | Women, Men | Credit Educ, Group Mtgs, Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Benkijamii Loan | 24.00%-29.00% annual, Flat | 1 Fee | 1 Ins | None | 25.00% upfront | 45.1% - 54.3% | 89.8% - 106.4% | 25 | ||||||||
| Group Loan | 24.00%-29.00% annual, Flat | 1 Fee | 1 Ins | None | 25.00% upfront | 48.9% - 52.3% | 62% - 106.5% | 26 | ||||||||
| Mavuno Loan | 24.00%-29.00% annual, Flat | 1 Fee | 1 Ins | None | 25.00% upfront | 49.6% - 51.5% | 88.6% - 91.8% | 26 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 18.0% annual, Flat | 0 Fees | 1 Ins | None | 5.0% upfront 10.00 ongoing | 31.2% - 32.3% | 35.8% - 37.7% | 49 | ||||||||
| Employee Loan | 15.0% annual, Flat | 0 Fees | 1 Ins | None | N/A | 26.4% - 27.5% | 28.4% - 29.9% | 51 | ||||||||
| Rural Agricultural Loan | 24.0% annual, Flat | 0 Fees | 1 Ins | None | 5.0% upfront 10.00 ongoing | 24.1% | 26.6% - 26.8% | 89 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Benkijamii Loan | 24.00%-29.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 25.00% upfront | 45.1% - 54.3% | 89.8% - 106.4% | 25 | ||||||||
| Group Loan | 24.00%-29.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 25.00% upfront | 48.9% - 52.3% | 62% - 106.5% | 26 | ||||||||
| Mavuno Loan | 24.00%-29.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 25.00% upfront | 49.6% - 51.5% | 88.6% - 91.8% | 26 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 18.0% annual, Flat | 0 Fees | 1 Ins Ins | None | 5.0% upfront 10.00 ongoing | 31.2% - 32.3% | 35.8% - 37.7% | 49 | ||||||||
| Employee Loan | 15.0% annual, Flat | 0 Fees | 1 Ins Ins | None | N/A | 26.4% - 27.5% | 28.4% - 29.9% | 51 | ||||||||
| Rural Agricultural Loan | 24.0% annual, Flat | 0 Fees | 1 Ins Ins | None | 5.0% upfront 10.00 ongoing | 24.1% | 26.6% - 26.8% | 89 |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| 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 ∞ | ||||||
