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Institution

Micro Bankers Trust Head OfficeLusaka
Data approved: 2011-12-12
Data version: 1
Age of data: 156 months

Institution

COOPERATIVA DE AHORRO Y CREDITO FATIMA LTDA. CALLE OBISPO PEÑA No 63Santa Cruz, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: 164 months

Product

Small Livestock Loan Product 4 of 5 « Prev | Next »

Product

DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA Product 4 of 7 « Prev | Next »

Product Summary

1,565
USD 1,000 - 50,000
24 - 96
Credit Educ, Credit Ins, Tech Asst Visits
13.0%-15.0% annual, Decl Bal
1.00% upfront 6.00% ongoing
None
3.00 fixed
10.00 upfront
 
N/A
13.9% - 15.9% (Int+Fee)
0 - 0.8%
0.3% - 6.6%
14.4% - 22.5%
58 - 92
75

Product Details


This product either has less than 50 active borrowers or less than 10 loan disbursements over the past 9 months. MFTransparency presents basic data rather than full data for low volume products
Key Statistics
Outstanding portfolio (ZMK)ZMK 170,743,403
Portfolio (USD)USD 32,993.89
Active Clients with Loans33
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Description
This is a loan facility that finances small-scale farmers involved in poultry/goats and pig production. It finances along the value chains of production of these small livestock. The maximum loan term is 24 months.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherIncl. Production
Other (2)
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherRun or start a business
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (USD)USD 19,300,714
Portfolio (USD)USD 19,300,714
Active Clients with Loans1,565
Approximate % Female Clients0% - 20%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
CREDITO DE LIBRE DISPONIBILIDAD
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried workerx
Must be specific age groupx
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
CurrencyUSD
Minimum loan sizeUSD 1,000
Maximum loan size50,000
Loan Term and Grace Period
Shortest loan term24.0 months
Longest loan term96.0 months
Approx average0
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 interest13.00%
Highest quoted nominal interest15.00%
Reason(s) why interest rate variesLoan Size, Collateral
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionSEGURO CONTRA INCENDIO
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
Fee 1
DescriptionSEGURO DE VIDA
% of loan amount - min6.00%
% of loan amount - max6.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount depositedUSD 10
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid1.00%
Maximum interest rate paid0
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A
Additional Comments
La comision de 3 USD va a ser eliminada.

Full Pricing Data

DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 1,000USD 2,000USD 3,000USD 8,000USD 12,000USD 17,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-09-212010-09-212010-09-212010-09-212010-09-212010-09-20
Loan Term (Months)24.0 months36.0 months36.0 months60.0 months84.0 months36.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component15.9%15.9%15.9%14.9%13.9%15.9%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component6.2%3.0%2.0%0.7%0.5%0.4%
Deposit Component0.4%0.2%0.1%0.0%0.0%0.0%
Full APR (int fee ins tax dep)22.5%19.1%18.0%15.7%14.4%16.3%
Transparency Index586872839080
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA Price Graphs


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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
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