| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | No |
| Website address | http://WWW.COACSANMIGUEL.FIN.EC/ |
| Year established | 1995 |
| Head of Institution | SULEMA PIZARRO CANDO |
| Regions active | |
| # Branches | 3 |
| Total Portfolio (nat'l) | USD 4,602,402.64 |
| Total Portfolio (USD) | USD 4,602,402.64 |
| Active clients with loans | 1,953 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | |
| Funders |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | No |
| Website address | http://www.opportunity.net/tanzania |
| Year established | 2009 |
| Head of Institution | Stanley Tsikirayi |
| Regions active | Arusha, Dar es Salaam, Kilimanjaro |
| # Branches | 6 |
| Total Portfolio (nat'l) | TZS 4,800,000,000 |
| Total Portfolio (USD) | USD 3,018,867.93 |
| Active clients with loans | 8,670 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | Opportunity International, TAMFI |
| Funders | Opportunity International |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito de Consumo | USD 250 - 8,000 | 4 - 30 | 20% - 40% | 40% - 60% | Any Purpose | Women, Men, Salaried worker | Credit Ins | |||||||
| Credito de Vivienda | USD 8,001 - 17,000 | 38 - 58 | 20% - 40% | 60% - 80% | Housing, Compra de terreno, casa, apartamentos, Construccion y mejora de casa | Women, Men, Have business, Have home or land, Salaried worker | Credit Ins | |||||||
| Micro Juanita Individual | USD 250 - 17,000 | 4 - 56 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business, DEPENDE DEL MONTO PRESENTA COPIAS DE UN BIEN INMUEBLE. | Credit Ins | |||||||
| Microcreditos | USD 250 - 17,000 | 4 - 56 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business, DEPENDE DEL MONTO PRESENTA COPIAS DEL BIEN INMUEBLE. | Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Mkopo Pamoja - Trust Group Loan | TZS 100,000 - 1,500,000 | 4 - 9 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Other Training | |||||||
| Mkopo Vuka - Solidarity Group Loan | TZS 250,000 - 7,500,000 | 6 - 12 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Other Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito de Consumo | 15.2% annual, Decl Bal | 0 Fees | 1 Ins | None | 9.0% upfront | 15.4% | 18.7% - 19.2% | 79 | ||||||||
| Credito de Vivienda | 10.8% annual, Decl Bal | 1 Fee | 0 Ins | None | 9.0% upfront | 10.9% | 13.8% | 78 | ||||||||
| Micro Juanita Individual | 20.0%-26.9% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 20.3% | 21% | 95 | ||||||||
| Microcreditos | 20.0%-26.9% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 22.3% - 27.3% | 23.1% - 28% | 80 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Mkopo Pamoja - Trust Group Loan | 36.00% annual, Flat | 1 Fee | 1 Ins | None | 10.00% upfront | 68.4% - 73.3% | 86.1% - 92.1% | 40 | ||||||||
| Mkopo Vuka - Solidarity Group Loan | 30.00% annual, Flat | 1 Fee | 1 Ins | None | 10.00% upfront | 52.9% - 59% | 66.1% - 75.7% | 41 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito de Consumo | 15.2% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | 9.0% upfront | 15.4% | 18.7% - 19.2% | 79 | ||||||||
| Credito de Vivienda | 10.8% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 9.0% upfront | 10.9% | 13.8% | 78 | ||||||||
| Micro Juanita Individual | 20.0%-26.9% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 20.3% | 21% | 95 | ||||||||
| Microcreditos | 20.0%-26.9% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 22.3% - 27.3% | 23.1% - 28% | 80 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Mkopo Pamoja - Trust Group Loan | 36.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 10.00% upfront | 68.4% - 73.3% | 86.1% - 92.1% | 40 | ||||||||
| Mkopo Vuka - Solidarity Group Loan | 30.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 10.00% upfront | 52.9% - 59% | 66.1% - 75.7% | 41 |
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