Please note that the information you are viewing is 158 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Fundacion Sartawi C.Pedro Salazar # 509La Paz
Data approved: 2010-10-28
Data version: 1
Age of data: -   months 

Institution

Addis Credit and Savings Institution Head OfficeAddis AbabaPO Box 5667
Data approved: 2012-01-13
Data version: 1
Age of data: 158 months

Product

Capital de Inversión (USD) Product 2 of 7 « Prev | Next »

Product

Agriculture Loan Product 1 of 2 « Prev | Next »

Product Summary

Number borrowers686
Loan Amount (range)USD 200 - 20,000
Loan Term (range)3.6 - 78.7
Other Services (text summary)Credit Ins, Other Training, Asistencia tecnica de los compradores de la produccion
Annual Interest & Method20.0%-28.0% annual, Decl Bal
Fees1.00%-2.00% upfront 0.98% ongoing
InsuranceNone
Tax15.00% Principal
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component0 (Int+Fee)
Insurance Component0
Tax Component Range0 - 0.7%
Full APR (int fee ins tax dep)0
Transparency Index (min/max)0 - N/A
Transparency Index (average)N/A

Product Summary

10,644
ETB 700 - 250,000
6 - 18
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits
10.0% annual, Flat
2.00% ongoing
1.00% upfront
None
5.0% upfront
 
N/A
17.3% - 20.4% (Int+Fee)
1.3% - 1.8%
0
19.8% - 23.8%
42 - 50
46

Product Details

Key Statistics
Outstanding portfolio (USD)USD 1,364,352
Portfolio (USD)USD 1,364,352
Active Clients with Loans686
Approximate % Female Clients0% - 20%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Crédito para la adquisición de maquinaria, vehículo productivo, equipos, construcción y\rmejora de infraestructura productiva, habilitación / adquisición de terrenos\rproductivos y adquisición de semovientes.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other trainingx
OtherAsistencia tecnica de los compradores de la produccion
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
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

Product Details

Key Statistics
Outstanding portfolio (ETB)ETB 50,827,024
Portfolio (USD)USD 2,762,338.26
Active Clients with Loans10,644
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
This loan is for agricultural purposes. It has a single end payment.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
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
CurrencyUSD
Minimum loan sizeUSD 200
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term3.6 months
Longest loan term78.7 months
Approx average26.0 months
Grace Period
Grace period usage30%
Average grace perioddk
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 monthsx
Every 12 months
Single end paymentx
Irregular paymentsx

Loan Conditions

Loan Amount
CurrencyETB
Minimum loan sizeETB 700
Maximum loan size250,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term18.0 months
Approx average12.0 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 paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest20.00%
Highest quoted nominal interest28.00%
Reason(s) why interest rate variesLoan Size, Collateral, En funcion de las alianzas que haga retencion de pago
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionGastos Administrativos
% of loan amount - min1.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
Fee 1
DescriptionSeguro De Desgravamen
% of loan amount - min0.98%
% of loan amount - max0.98%
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 forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A

Pricing Information

Interest
Lowest quoted nominal interest10.00%
Highest quoted nominal interest10.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionService Charge
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
Ins 1
DescriptionLoan insurance
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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 deposited5.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid5.00%
Maximum interest rate paid5.00%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No

Full Pricing Data

Capital de Inversión (USD) samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 1,000USD 2,000USD 4,500USD 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-05-212010-01-302010-03-252010-05-31
Loan Term (Months)18.0 months30.0 months27.0 months48.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component29.9%30.9%25.5%24.7%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.7%0.1%0.1%0.1%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)30.5%31.1%25.6%24.8%
Transparency Index65647881
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Agriculture Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountETB 5,000ETB 5,000ETB 5,000ETB 5,000ETB 7,500ETB 7,500
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-08-112011-08-102011-07-262011-08-262011-08-022011-08-02
Loan Term (Months)24.0 months24.0 months18.0 months24.0 months18.0 months18.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months4.0 months4.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component19.8%19.8%20.4%18.3%17.3%17.3%
Insurance Component1.5%1.5%1.8%1.4%1.6%1.3%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component1.6%1.6%1.7%1.4%1.3%1.2%
Full APR (int fee ins tax dep)23.0%23.0%23.8%21.0%20.1%19.8%
Transparency Index444442485050
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Capital de Inversión (USD) Price Graphs


Agriculture Loan Price Graphs


Caps / Zoom options
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
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to