2. Eshet
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. ACSI
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

Eshet MFI Head OfficeAddis AbabaPO Box 23923
Data approved: 2011-12-23
Data version: 1
Age of data: 150 months

Institution

Amhara Credit and Savings Institution (ACSI) Head OfficeGonder road Kebele 10Bahir Dar, AmharaP O Box 417
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 established2000
Head of InstitutionMerga Bekele
Regions active
# Branches12

Total Portfolio (nat'l)ETB 44,028,216
Total Portfolio (USD)USD 2,392,837.83
Active clients with loans24,199
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsAEMFI, MAIN
FundersRUFIP, Oxfam Novib

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.acsi-ethiopia.org/
Year established1995
Head of InstitutionMr Mekonen Yelewemwessen
Regions active
# Branches229

Total Portfolio (nat'l)ETB 1,940,827,401
Total Portfolio (USD)USD 105,479,750.10
Active clients with loans694,993
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsAEMFI
FundersORDA Organisation for Rehabilitation and Development in Amhara, Regional Government, Endeaveour, ADA Amhara Development Association

Loan Products » Summary

Business
1,827 Borrowers
USD 167,498.64 Portfolio
Active Product
Employee
528 Borrowers
USD 143,570.27 Portfolio
Active Product
Agriculture
16,472 Borrowers
USD 2,081,768.91 Portfolio
Active Product

Loan Products » Summary

Asset Loan
23,590 Borrowers
USD 6,555,691.90 Portfolio
Active Product
Enterprise
8,562 Borrowers
USD 13,100,877.93 Portfolio
Active Product
Group - Term
518,017 Borrowers
USD 66,456,177.50 Portfolio
Active Product
Group - Intl
129,504 Borrowers
USD 16,614,044.35 Portfolio
Active Product
Technology
2,600 Borrowers
USD 445,311.36 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan ETB 500 - 7,500 6 - 18 40% - 60% 80% - 100% Business Women, Men Credit Educ, Group Mtgs, Credit Ins
Employee Loan ETB 500 - 10,000 6 - 18 20% - 40% 80% - 100% Any Purpose Women, Men, Salaried worker Credit Ins
Rural Agricultural Loan ETB 500 - 7,500 6 - 12 20% - 40% 0% - 20% Business, Agriculture Women, Men Credit Educ, Group Mtgs, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Asset Loan ETB 1,000 - 15,000 12 - 36 60% - 80% 0% - 20% Housing, Consumer Women, Men, Salaried worker
Enterprise Loan ETB 5,001 - 10,000,000 12 - 60 60% - 80% 0% - 20% Business Women, Men, Have business
Group Loan - End Term ETB 150 - 3,000 6 - 12 60% - 80% 0% - 20% Business, Agriculture Women, Men Credit Educ, Group Mtgs, Credit Ins
Group Loan - Installments ETB 150 - 7,500 12 - 24 60% - 80% 0% - 20% Any Purpose Women, Men Credit Educ, Group Mtgs, Credit Ins
Technology Loan ETB 4,200 - 5,669 24 60% - 80% 0% - 20% Business, Agriculture Women, Men Credit Educ, Group Mtgs

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 18.0% annual, Flat 0 Fees 1 Ins None 5.0% upfront 10.00 ongoing 31.2% - 32.3% 35.8% - 37.7% 49
Employee Loan 15.0% annual, Flat 0 Fees 1 Ins None N/A 26.4% - 27.5% 28.4% - 29.9% 51
Rural Agricultural Loan 24.0% annual, Flat 0 Fees 1 Ins None 5.0% upfront 10.00 ongoing 24.1% 26.6% - 26.8% 89

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Asset Loan 10.0%-13.0% annual, Decl Bal 1 Fee 0 Ins None 5.0% upfront 12.9% - 13% 13.7% - 13.8% 73
Enterprise Loan 10.0%-13.0% annual, Decl Bal 1 Fee 0 Ins None N/A 10% - 13% 10% - 13% 88
Group Loan - End Term 18.0% annual, Decl Bal 0 Fees 1 Ins None 5.0% upfront 1.00% ongoing 18% 20.5% 88
Group Loan - Installments 15.0% annual, Decl Bal 0 Fees 1 Ins None 3.0% upfront 1.00% ongoing 14.9% - 15.1% 17% - 17.9% 85
Technology Loan 13.0% annual, Decl Bal 0 Fees 0 Ins None 3.0% upfront 0.30% ongoing 13% 13.4% - 13.5% 96

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 18.0% annual, Flat 0 Fees 1 Ins Ins None 5.0% upfront 10.00 ongoing 31.2% - 32.3% 35.8% - 37.7% 49
Employee Loan 15.0% annual, Flat 0 Fees 1 Ins Ins None N/A 26.4% - 27.5% 28.4% - 29.9% 51
Rural Agricultural Loan 24.0% annual, Flat 0 Fees 1 Ins Ins None 5.0% upfront 10.00 ongoing 24.1% 26.6% - 26.8% 89

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Asset Loan 10.0%-13.0% annual, Decl Bal 1 Fee 0 Ins Ins None 5.0% upfront 12.9% - 13% 13.7% - 13.8% 73
Enterprise Loan 10.0%-13.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 10% - 13% 10% - 13% 88
Group Loan - End Term 18.0% annual, Decl Bal 0 Fees 1 Ins Ins None 5.0% upfront 1.00% ongoing 18% 20.5% 88
Group Loan - Installments 15.0% annual, Decl Bal 0 Fees 1 Ins Ins None 3.0% upfront 1.00% ongoing 14.9% - 15.1% 17% - 17.9% 85
Technology Loan 13.0% annual, Decl Bal 0 Fees 0 Ins Ins None 3.0% upfront 0.30% ongoing 13% 13.4% - 13.5% 96
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