Please note that the information you are viewing is 156 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Agora Microfinance Zambia Plot No 3807 Kwacha Road, OlympiaPO Box 745, Post Net Manda HillLusaka
Data approved: 2012-04-03
Data version: 1
Age of data: 156 months

Product

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Product Details

Key Statistics
Outstanding portfolio (ZMK)ZMK 2,202,870,000
Portfolio (USD)USD 425,675.36
Active Clients with Loans3,532
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Business Loan , for activities with flexible Cash flows
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyZMK
Minimum loan sizeZMK 400,000
Maximum loan size2,000,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average9.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest5.50%
Highest quoted nominal interest5.50%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
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
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Flexi 1 samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountZMK 1,300,000ZMK 1,400,000ZMK 800,000ZMK 1,000,000ZMK 1,100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-07-152011-10-112011-12-162011-12-132011-12-20
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component78.8%79.0%78.6%79.1%76.0%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component15.9%16.0%16.1%16.1%15.1%
Full APR (int fee ins tax dep)94.8%95.0%94.6%95.2%91.0%
Transparency Index7069706973
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Flexi 1 Price Graphs


Please note that the information you are viewing is 163 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

COAC FondVida Flavio Alfaro Oe6 - 150 y Francisco DavilaQuito, Pichincha
Data approved: 2010-11-08
Data version: 1
Age of data: 163 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addressN/A
Year established2000
Head of InstitutionSandra Mireya Naula Cuenca
Regions active
# Branches1

Total Portfolio (nat'l)USD 4,200,342
Total Portfolio (USD)USD 4,200,342
Active clients with loans2,511
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsRFR, Contrato Social por la Vivienda
Funders

Loan Products » Summary

1,076 Borrowers
USD 2,021,763 Portfolio
Active Product
180 Borrowers
USD 111,491 Portfolio
Active Product
1,209 Borrowers
USD 1,949,015 Portfolio
Active Product
46 Borrowers
USD 118,073 Portfolio
Low Volume 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
Crédito de consumo USD 100 - 5,000 3 - 36 60% - 80% 80% - 100% Any Purpose Women, Men, Si el deudor no es propietario de una casa, el garante sí requiere tener una casa., Pueden acceder personas desde los 18 años de edad en adelante. Credit Educ, Credit Ins, Asesoría administración del dinero
Crédito Grupal Solidario USD 500 - 1,500 6 - 15 60% - 80% 80% - 100% Business Women, Men, Los grupos se conforman con personas de la misma zona de residencia, Se utiliza la garantía grupal Credit Educ, Group Mtgs, Credit Ins, Business Training, Capacitación en proyectos de vida y espíritu emprendedor
Crédito Individual para Micro USD 100 - 5,000 3 - 24 60% - 80% 80% - 100% Business, Housing, Other, Como capiltal para iniciar un negocio, Incremento de mercadería Women, Men, Si el deudor no es propietario de una casa, el garante sí requiere tener una casa., Pueden acceder personas desde los 15 años de edad en adelante Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Capacitación en formulación de planes de negocio, Capacitación en proyectos de vida y espíritu emprendedor

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito de consumo 14.0%-16.0% annual, Decl Bal 1 Fee 0 Ins None 5.00 ongoing 16.2% - 16.4% 17.3% - 19.8% 75
Crédito Grupal Solidario 14.0%-18.5% annual, Decl Bal 1 Fee 0 Ins None 5.00 ongoing 18.8% 20.8% - 21.2% 66
Crédito Individual para Micro 14.0%-18.5% annual, Decl Bal 1 Fee 0 Ins None 5.00 ongoing 18.7% - 18.8% 20.2% - 24.3% 65
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
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