- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
AB Bank	300	307,000	2	156
AMZ	4,900	651,000	2	156
CETZAM	6,700	2,210,000	4	156
Eclof Zambia	200	111,000	4	156
Empowerment	1,500	447,000	5	156
FINCA Zambia	43,700	16,420,000	4	114
Harmos	9,800	1,398,000	3	156
Kungoma	43	18,000	2	156
MBT	13,900	1,563,000	5	156
Meanwood	2,000	1,766,000	5	156
PFSL	1,300	3,506,000	3	156
Zambia CRC	30	1,000	1	156

Please note that the information you are viewing is 128 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

BRAC Tanzania Plot2329,BlockH Mbezi BeachP.O.BOX 105213Dar es salaam, Dar es salaam255

Data approved: 2011-12-18

Data version: 1

Age of data: - months

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Product

Small Enterprise Program (SEP) Loan Product 2 of 2 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (TZS)	TZS 5,807,004,027
Portfolio (USD)	USD 3,871,336.02
Active Clients with Loans	3,232
Approximate % Female Clients	20% - 40%
Approximate % Urban Clients	80% - 100%

Methodology

Individual
Solidarity group	x
Village banking
Self help group
Other

Description

small and medium businessmen, agricultural, and small trading, livestock and poultry

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education	x
Group meetings	x
Credit insurance	x
Workplace visits
Business training
Other training	x
Other
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land	x
Must be a salaried worker
Must be specific age group
Other	20 - 50 years old
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	TZS
Minimum loan size	TZS 1,000,000
Maximum loan size	10,000,000

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	12.0 months
Approx average	12.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	N/A
Between 4 and 6 months	N/A
Between 7 and 9 months	N/A
Between 10 and 12 months	N/A
Between 13 and 18 months	N/A
Longer than 18 months	N/A

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	22.00%
Highest quoted nominal interest	24.00%
Interest rate period	Yearly
Interest Rate Calculation Method	Flat
Subsidized by funder request?	N/A
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1	Fee 2
Description	Appraisal Fee	Application Fee
% of loan amount - min	1.00%	0
% of loan amount - max	1.00%	0
OR, Fixed amount - min	0	4,000
Fixed amount - max	0	4,000
Reason for variation
Appears on Repayment Sched?	No	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 for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?	Yes
Do borrowers control deposit in their group?

Deposit BEFORE or AT Disbursement

% loan amount deposited	10.00% - N/A
or, Fixed-amount deposited	0 - N/A

Deposits DURING period payments

% loan amount deposited	0 - N/A
or, Fixed-amount deposited	0 - N/A
Conditions on access to deposit	End Term

Interest Paid on Deposit

Minimum interest rate paid	0
Maximum interest rate paid	0
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Small Enterprise Program (SEP) Loan samples

	Sample 1	Sample 2	Sample 3	Sample 4
Loan Amount	TZS 1,000,000	TZS 2,000,000	TZS 3,000,000	TZS 4,000,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2011-02-23	2011-03-19	2011-03-11	2011-05-11
Loan Term (Months)	12.0 months	12.0 months	12.0 months	12.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	45.6%	42.7%	40.7%	40.6%
Insurance Component	0.0%	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%	0.0%
Deposit Component	9.6%	8.7%	8.0%	8.0%
Full APR (int fee ins tax dep)	55.3%	51.4%	48.7%	48.6%
Transparency Index	40	43	45	45

Original Repayment Schedule	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF

Small Enterprise Program (SEP) Loan 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

	X Axis
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	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
Std Dev

By Inst Type


By Country

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