| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 1997 |
| Head of Institution | Atakilt Kiros |
| Regions active | |
| # Branches | 142 |
| Total Portfolio (nat'l) | ETB 1,800,000,000 |
| Total Portfolio (USD) | USD 97,826,086.96 |
| Active clients with loans | 397,000 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | AEMFI, INAFI |
| Funders | NPA Norweigan Peoples Aid, SOS Faim, A Glimmer of Hope |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | ETB 15,000 - 5,000,000 | 12 - 60 | 20% - 40% | 80% - 100% | Business | Women, Men, Have business | Credit Educ | |||||||
| Civil Servant Loan | ETB 1,000 - 50,000 | 12 - 36 | 20% - 40% | 40% - 60% | Any Purpose | Women, Men, Salaried worker | Credit Educ, Group Mtgs | |||||||
| Ex-fighters Association Loan | ETB 10,000 - 10,000 | 36 | 20% - 40% | 80% - 100% | Any Purpose | Women, Men, Ex-fighters association members | Credit Educ | |||||||
| Housing Loan | ETB 15,000 - 5,000,000 | 12 - 60 | 20% - 40% | 80% - 100% | Housing | Women, Men | Credit Educ | |||||||
| Regular Loan | ETB 500 - 20,000 | 12 - 36 | 60% - 80% | 80% - 100% | Business | Women, Men | Credit Educ, Group Mtgs, Business Training | |||||||
| Rural Package Loan | ETB 200 - 30,000 | 6 - 48 | 20% - 40% | 0% - 20% | Business, Agriculture | Women, Men | Credit Educ, Tech Asst Visits | |||||||
| Urban Package Loan | ETB 500 - 10,000 | 12 - 36 | 60% - 80% | 80% - 100% | Any Purpose | Women, Men | Credit Educ, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 10.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 11.1% - 13.2% | 11.1% - 13.2% | 81 | ||||||||
| Civil Servant Loan | 15.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 14% - 14.3% | 14% - 14.3% | 100 | ||||||||
| Ex-fighters Association Loan | 15.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 14.1% | 14.1% | 100 | ||||||||
| Housing Loan | 9.9% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 10.3% - 11% | 10.3% - 11% | 92 | ||||||||
| Regular Loan | 18.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 16.7% - 17.6% | 16.7% - 17.6% | 100 | ||||||||
| Rural Package Loan | 18.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 18% - 25.9% | 18% - 25.9% | 86 | ||||||||
| Urban Package Loan | 18.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 9.7% | 9.7% | 100 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| ACSI | 682,200 | 103,172,000 | 5 | 139 |
| ADCSI | 176,100 | 30,846,000 | 2 | 140 |
| BG | 47,000 | 4,048,000 | 4 | 139 |
| DECSI | 361,000 | 96,304,000 | 7 | 139 |
| Dire | 4,900 | 828,000 | 4 | 139 |
| DMCPSC | 1,200 | 69,000 | 1 | 139 |
| Eshet | 18,800 | 2,392,000 | 3 | 139 |
| Harbu | 22,400 | 1,757,000 | 2 | 139 |
| Meklit | 12,200 | 1,395,000 | 4 | 139 |
| Metemamen | 10,500 | 650,000 | 6 | 139 |
| OCSSCO | 502,700 | 69,565,000 | 3 | 139 |
| OMO | 323,600 | 31,385,000 | 4 | 139 |
| PEACE | 17,200 | 2,462,000 | 3 | 139 |
| SFPI | 33,600 | 2,750,000 | 3 | 139 |
| Sidama | 53,400 | 1,162,000 | 6 | 139 |
| Wasasa | 49,300 | 5,798,000 | 4 | 139 |
| Wisdom MFI | 45,300 | 5,500,000 | 6 | 136 |
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