2. DECSI
Please note that the information you are viewing is 150 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Meklit
Please note that the information you are viewing is 150 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Dedebit Credit and Savings Institution Head OfficeMekelePO Box 1074
Data approved: 2011-12-23
Data version: 1
Age of data: 150 months

Institution

Meklit MFI Ayer TenaAddis AbabaPO Box 27634
Data approved: 2011-12-23
Data version: 1
Age of data: 150 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1997
Head of InstitutionAtakilt Kiros
Regions active
# Branches142

Total Portfolio (nat'l)ETB 1,800,000,000
Total Portfolio (USD)USD 97,826,086.96
Active clients with loans397,000
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsAEMFI, INAFI
FundersNPA Norweigan Peoples Aid, SOS Faim, A Glimmer of Hope

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established2000
Head of InstitutionTeshome Yiheyis
Regions active
# Branches21

Total Portfolio (nat'l)ETB 25,963,550
Total Portfolio (USD)USD 1,411,062.50
Active clients with loans12,300
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliationsAEMFI
FundersDevelopment Bank of Ethiopia RUFIP, EU

Loan Products » Summary

Business
5,000 Borrowers
USD 33,478,260.87 Portfolio
Active Product
Civil Serv
25,000 Borrowers
USD 4,293,478.26 Portfolio
Active Product
Ex-fighter
2,753 Borrowers
USD 543.48 Portfolio
Active Product
Housing
5,300 Borrowers
USD 8,206,521.74 Portfolio
Active Product
Regular
78,000 Borrowers
USD 14,184,782.61 Portfolio
Active Product
Rural
204,000 Borrowers
USD 27,880,434.78 Portfolio
Active Product
Urban
41,000 Borrowers
USD 8,260,869.57 Portfolio
Active Product

Loan Products » Summary

Agriculture
9,307 Borrowers
USD 778,073.39 Portfolio
Active Product
Business Grp
1,500 Borrowers
USD 244,565.22 Portfolio
Active Product
Business Idv
616 Borrowers
USD 234,347.83 Portfolio
Active Product
Consumption
850 Borrowers
USD 138,586.96 Portfolio
Active Product

Loan Products » Conditions

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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan ETB 3,000 - 9,000 8 - 12 40% - 60% 0% - 20% Business, Agriculture Women, Men Credit Educ, Group Mtgs, Credit Ins
Business Loan - Group ETB 1,000 - 18,000 12 - 24 40% - 60% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Business Loan - Individual ETB 8,000 - 50,000 12 - 24 20% - 40% 60% - 80% Business Women, Men, Have business Credit Educ, Credit Ins
Individual (Consumption) Loan ETB 10,000 - 50,000 12 - 24 40% - 60% 60% - 80% Any Purpose Women, Men, Salaried worker Credit Educ, Credit Ins

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 20.0% annual, Flat 1 Fee 1 Ins None 5.0%-15.0% upfront 5.00%-15.00% ongoing 38.7% - 39.1% 46.4% - 51.1% 41
Business Loan - Group 20.0% annual, Flat 1 Fee 1 Ins None 5.0%-15.0% upfront 5.00%-15.00% ongoing 35.7% - 45.6% 43.2% - 56% 39
Business Loan - Individual 22.0% annual, Flat 1 Fee 1 Ins None 5.0%-15.0% upfront 5.00%-15.00% ongoing 38.1% - 40% 43.6% - 46.6% 49
Individual (Consumption) Loan 16.0%-20.0% annual, Flat 1 Fee 1 Ins None 5.0%-15.0% upfront 5.00%-15.00% ongoing 29% - 41.9% 33.6% - 50% 40

Loan Products » Pricing Information

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 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 Ins None N/A 14% - 14.3% 14% - 14.3% 100
Ex-fighters Association Loan 15.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 14.1% 14.1% 100
Housing Loan 9.9% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 10.3% - 11% 10.3% - 11% 92
Regular Loan 18.0% annual, Decl Bal 0 Fees 0 Ins 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 Ins None N/A 18% - 25.9% 18% - 25.9% 86
Urban Package Loan 18.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 9.7% 9.7% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 20.0% annual, Flat 1 Fee 1 Ins Ins None 5.0%-15.0% upfront 5.00%-15.00% ongoing 38.7% - 39.1% 46.4% - 51.1% 41
Business Loan - Group 20.0% annual, Flat 1 Fee 1 Ins Ins None 5.0%-15.0% upfront 5.00%-15.00% ongoing 35.7% - 45.6% 43.2% - 56% 39
Business Loan - Individual 22.0% annual, Flat 1 Fee 1 Ins Ins None 5.0%-15.0% upfront 5.00%-15.00% ongoing 38.1% - 40% 43.6% - 46.6% 49
Individual (Consumption) Loan 16.0%-20.0% annual, Flat 1 Fee 1 Ins Ins None 5.0%-15.0% upfront 5.00%-15.00% ongoing 29% - 41.9% 33.6% - 50% 40
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Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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