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


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: 111 months


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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
Solidarity group
Village bankingx
Self help group
Business Loan , for activities with flexible Cash flows
Loan Purpose
Any purpose
Income generationx
Consumer loan
Other household finance
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business training
Other training
Other (2)
No other services
Must run a business
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 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
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 interest5.50%
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
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
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
Flexi 1 Price Graphs

Please note that the information you are viewing is 105 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE


FCB Foundation 10 Mendoza St.Tagbilaran City, Bohol6300
Data approved: 2011-11-15
Data version: 1
Age of data: 105 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established1989
Head of InstitutionEngr. Panfilo Asares
Regions active
# Branches3

Total Portfolio (nat'l)PhP 101,848,650
Total Portfolio (USD)USD 2,436,570.57
Active clients with loans12,752
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsMicrofinance Council of the Philippines, Inc.

Loan Products » Summary

2,000 Borrowers
USD 717,703.35 Portfolio
Active Product
10,000 Borrowers
USD 1,674,641.15 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Help (Individual) PHP 20,000 - 150,000 3 - 24 60% - 80% 20% - 40% Business Women, Men Tech Asst Visits, Other Training, Mortuary Fund/Life insurance
Hiram (Group Loan) PHP 3,000 - 100,000 6 60% - 80% 20% - 40% Business Women, Men, Must have experience running a business Group Mtgs, Tech Asst Visits, Business Training, Bookeeping, consultancy, Mortuary Fund/Life Insurance

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Help (Individual) 24.0% annual, Flat 1 Fee 1 Ins 0.50% loan amt 2.0% upfront 38.3% - 55.9% 41.1% - 60.3% 46
Hiram (Group Loan) 24.0% annual, Flat 1 Fee 1 Ins 0.25% loan amt 4.0% upfront 20.00 ongoing 68.6% 81.7% - 111.2% 27
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
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
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