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) |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.fubode.org/ |
Year established | 1995 |
Head of Institution | Luis Fernando Torrez Ontivero |
Regions active | Chuquisaca , Cochabamba , Oruro , PotosÃ, Santa Cruz, Tarija |
# Branches | 18 |
Total Portfolio (nat'l) | BOB 165,483,985 |
Total Portfolio (USD) | USD 24,516,145.93 |
Active clients with loans | 29,469 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 40% - 60% |
Network affiliations | Vision Fund International, FINRURAL |
Funders | World Vision Suiza, World Vision Alemania, World Vision Estados Unidos, World Vision Canada |
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 | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Consumo | BOB 1,500 - 8,000 | 6 - 24 | 40% - 60% | 40% - 60% | Any Purpose | Women, Men | Credit Ins | |||||||
Credito Asociativo | USD 4,500 - 30,600 | 18 - 48 | 20% - 40% | 0% | Business, Agriculture | Women, Men, Have business | ||||||||
Grupo Comunal (Banco Comunal) | BOB 200 - 14,500 | 4 - 9 | 80% - 100% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Other Training, Educacion No Financiera (Agua, Saneamiento, Manejo de Residuos Solidos) | |||||||
Microcrédito de Vivienda | USD 1,000 - 15,000 | 10 - 72 | 20% - 40% | 20% - 40% | Housing, No se puede usar para negocio | Women, Men, Have business, Have home or land | Credit Ins, Other Training, Asistencia Tecnica Constructiva | |||||||
Microcrédito Grupo Solidario | USD 700 - 5,000 | 8 - 24 | 40% - 60% | 0% - 20% | Business, Agriculture | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
Microcrédito Productivo Individual (USD) | USD 150 - 15,000 | 4 - 60 | 40% - 60% | 20% - 40% | Business, Agriculture | Women, Men, Have business | Credit Ins | |||||||
Microcrédito Productivo Individual (BOB) | BOB 1,000 - 106,000 | 4 - 60 | 40% - 60% | 20% - 40% | Business, Agriculture | Women, Men, Have business | Credit Ins |
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 | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Consumo | 30.0%-32.0% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 31.5% - 33.3% | 32% - 33.7% | 91 | ||||||||
Credito Asociativo | 15.0%-24.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 24.1% - 24.2% | 24.1% - 24.2% | 62 | ||||||||
Grupo Comunal (Banco Comunal) | 30.0%-36.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 10.0% upfront 10.00% ongoing | 37.2% - 38% | 55.2% - 56.9% | 53 | ||||||||
Microcrédito de Vivienda | 16.0%-30.0% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 19.8% - 29.5% | 20.3% - 30% | 65 | ||||||||
Microcrédito Grupo Solidario | 20.0%-33.6% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 22.1% - 24.1% | 22.6% - 24.5% | 84 | ||||||||
Microcrédito Productivo Individual (USD) | 18.0%-34.0% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 22.1% - 30.6% | 22.6% - 31% | 60 | ||||||||
Microcrédito Productivo Individual (BOB) | 18.0%-34.0% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 24.2% - 26.4% | 24.6% - 26.8% | 62 |
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 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Consumo | 30.0%-32.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 31.5% - 33.3% | 32% - 33.7% | 91 | ||||||||
Credito Asociativo | 15.0%-24.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 24.1% - 24.2% | 24.1% - 24.2% | 62 | ||||||||
Grupo Comunal (Banco Comunal) | 30.0%-36.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 10.0% upfront 10.00% ongoing | 37.2% - 38% | 55.2% - 56.9% | 53 | ||||||||
Microcrédito de Vivienda | 16.0%-30.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 19.8% - 29.5% | 20.3% - 30% | 65 | ||||||||
Microcrédito Grupo Solidario | 20.0%-33.6% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 22.1% - 24.1% | 22.6% - 24.5% | 84 | ||||||||
Microcrédito Productivo Individual (USD) | 18.0%-34.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 22.1% - 30.6% | 22.6% - 31% | 60 | ||||||||
Microcrédito Productivo Individual (BOB) | 18.0%-34.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 24.2% - 26.4% | 24.6% - 26.8% | 62 |
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 ∞ |