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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: 103 months

Institution

Rangtay sa Pagrang-ay, Inc. 4th Floor Manongdo Bldg.17 Private Road, Magsaysay Ave.Baguio City2600
Data approved: 2011-11-15
Data version: 1
Age of data: 98 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established2010
Head of InstitutionMaluba Handahu-Wakung'uma
Regions active
# Branches2

Total Portfolio (nat'l)ZMK 3,373,101,754
Total Portfolio (USD)USD 651,807.10
Active clients with loans4,950
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliations
FundersMoringaway, Concern Worldwide

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established1987
Head of InstitutionAlma M. Estolas
Regions active
# Branches21

Total Portfolio (nat'l)PhP 119,300,028.50
Total Portfolio (USD)USD 2,854,067.67
Active clients with loans39,663
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsAPPEND, MFC- Northern Luzon and CAR, Oikocredit
FundersOikocredit, PCFC, Small Business Corporation, NLDC

Loan Products » Summary

1,418 Borrowers
USD 225,924.64 Portfolio
Active Product
3,532 Borrowers
USD 425,675.36 Portfolio
Active Product

Loan Products » Summary

123 Borrowers
USD 25,525.97 Portfolio
Active Product
39,182 Borrowers
USD 2,635,987.19 Portfolio
Active Product
160 Borrowers
USD 128,626.93 Portfolio
Active Product
139 Borrowers
USD 44,619.02 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
End of Term Loan ZMK 400,000 - 1,500,000 6 - 12 40% - 60% 0% Business, Agriculture Women, Men Credit Educ, Group Mtgs
Flexi 1 ZMK 400,000 - 2,000,000 3 - 12 40% - 60% 0% Business Women, Men Credit Educ, Group Mtgs

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan PHP 5,000 - 50,000 4 40% - 60% 0% - 20% Business, Agriculture, Purchase of farm inputs Women, Men, Engaged in farming activities Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Values Formation
General Business Loan PHP 1,000 - 30,000 6 80% - 100% 0% - 20% Business Women, Men Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Values Formation
Livestock Loan PHP 5,000 - 15,000 4 - 6 60% - 80% 0% - 20% Business, Livestock-related expenses Women, Men Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Values Formation
Salary Loan PHP 10,000 - 40,000 3 - 12 40% - 60% 0% - 20% Any Purpose Women, Men, Salaried worker, Barangay Officials Credit Educ, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
End of Term Loan 60.0% annual, Decl Bal 1 Fee 0 Ins None 7.0% upfront 64.2% - 68.6% 69.1% - 73.9% 84
Flexi 1 66.0% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront 76% - 79.1% 91% - 95.2% 70

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 36.0% annual, Flat 1 Fee 1 Ins None 5.0% upfront 200.00 ongoing 44.6% - 46.2% 55% - 56.5% 64
General Business Loan 40.0% annual, Flat 1 Fee 2 Ins None 40.00 ongoing 88% - 92.6% 105.8% - 189.6% 32
Livestock Loan 36.0% annual, Flat 1 Fee 1 Ins None 5.0% upfront 200.00 ongoing 44.6% - 46.5% 55.1% - 61.4% 62
Salary Loan 36.0% annual, Flat 1 Fee 2 Ins None N/A 66.7% - 68.4% 73.2% - 79.3% 47

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
End of Term Loan 60.0% annual, Decl Bal 1 Fee 0 Ins Ins None 7.0% upfront 64.2% - 68.6% 69.1% - 73.9% 84
Flexi 1 66.0% annual, Decl Bal 1 Fee 0 Ins Ins None 10.0% upfront 76% - 79.1% 91% - 95.2% 70

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 36.0% annual, Flat 1 Fee 1 Ins Ins None 5.0% upfront 200.00 ongoing 44.6% - 46.2% 55% - 56.5% 64
General Business Loan 40.0% annual, Flat 1 Fee 2 Ins Ins None 40.00 ongoing 88% - 92.6% 105.8% - 189.6% 32
Livestock Loan 36.0% annual, Flat 1 Fee 1 Ins Ins None 5.0% upfront 200.00 ongoing 44.6% - 46.5% 55.1% - 61.4% 62
Salary Loan 36.0% annual, Flat 1 Fee 2 Ins Ins None N/A 66.7% - 68.4% 73.2% - 79.3% 47
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