Sidama MFI - MFTransparency.org Truth In Lending Tables

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Institution

Sidama MFI Head OfficeHawassaPO Box 565

Data approved: 2011-12-23

Data version: 1

Age of data: 137 months

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Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	N/A
Year established	1998
Head of Institution	Mr Tarekegn Bache
Regions active
# Branches	20

Total Portfolio (nat'l)	ETB 37,000,000
Total Portfolio (USD)	USD 2,010,869.57
Active clients with loans	52,914
Approximate % female clients	20% - 40%
Approximate % urban clients	20% - 40%
Network affiliations	AEMFI, MAIN
Funders	Irish Aid (initially), Care Ethiopia

Loan Products » Summary

Agriculture

15,345 Borrowers

USD 703,804.35 Portfolio

Active Product

General

6,350 Borrowers

USD 36,195.65 Portfolio

Active Product

Housing

8,465 Borrowers

USD 30,163.04 Portfolio

Active Product

Enterprise

6,350 Borrowers

USD 28,152.17 Portfolio

Active Product

Petty Trade

16,403 Borrowers

USD 361,956.52 Portfolio

Active Product

Service Loan

530 Borrowers

USD 2,010.87 Portfolio

Active Product

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Agricultural Loan	ETB 300 - 50,000	3 - 24	0% - 20%	0% - 20%	Business, Agriculture	Women, Men	Credit Educ, Group Mtgs, Credit Ins
General Loan	ETB 300 - 10,000	12	40% - 60%	20% - 40%	Any Purpose	Women, Men, Salaried worker	Credit Educ, Group Mtgs, Credit Ins
Housing Loan	ETB 10,000 - 100,000	12 - 24	0% - 20%	80% - 100%	Housing	Women, Men, Have home or land	Credit Ins
Micro and Small Enterprise Loan	ETB 300 - 50,000	3 - 24	0% - 20%	80% - 100%	Business	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins
Petty Trade Loan	ETB 300 - 100,000	3 - 24	20% - 40%	40% - 60%	Business	Women, Men, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Service Loan	ETB 300 - 100,000	12 - 24	40% - 60%	60% - 80%	Business	Women, Men, Have business	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
Agricultural Loan	12.0% annual, Flat	1 Fee	1 Ins	None	6.0% upfront 20.00 ongoing	35.6% - 40.4%	41.9% - 48.8%	27
General Loan	18.0% annual, Flat	1 Fee	1 Ins	None	6.0% upfront 20.00 ongoing	35.6% - 35.7%	42.8% - 46.9%	40
Housing Loan	15.0%-18.0% annual, Flat	1 Fee	1 Ins	None	6.0% upfront 20.00 ongoing	28.7% - 35.6%	34.5% - 44.2%	41
Micro and Small Enterprise Loan	18.0% annual, Flat	1 Fee	1 Ins	None	6.0% upfront 20.00 ongoing	28.6% - 35.5%	32.9% - 41.8%	51
Petty Trade Loan	18.0% annual, Flat	1 Fee	1 Ins	None	6.0% upfront 20.00 ongoing	28.7% - 35.7%	32.9% - 43.7%	48
Service Loan	18.0% annual, Flat	1 Fee	1 Ins	None	6.0% upfront 20.00 ongoing	28.7% - 28.8%	32.9% - 33.1%	54

Institution Price Graph

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Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Adhikar	35,300	2,674,000	1	119
AMPL	0	0	0	119
Arman	41,500	529,107,000	1	119
Arohan	43,500	8,091,000	2	119
ASA INDIA	164,000	15,380,000	1	119
Asirvad	113,500	19,328,000	1	119
Asmitha	1,114,800	217,867,000	1	119
Bandhan	4,048,600	674,564,000	5	119
Belstar	123,000	23,945,000	2	98
BSFL	275,200	31,590,000	3	119
Chaitanya	20,700	3,748,000	3	119
Disha Microfin	69,000	14,332,000	2	119
Equitas	1,220,000	186,415,000	4	119
ESAF	354,200	43,500,000	5	119
FFSL	150,600	35,719,000	2	119
Fusion	66,800	9,820,000	2	119
Grama Vidiyal	738,200	102,101,000	1	119
Grameen Koota	586,600	83,555,000	15	121
Janalakshmi	506,000	119,077,000	2	119
L & T Finance	399,800	37,199,000	1	119
MFL	331,800	49,083,000	1	119
MMFL	175,000	23,752,000	2	119
Mpower	13,600	2,263,000	2	119
Sahayata	0	0	0	119
Saija	24,700	4,682,000	2	119
Samasta	45,500	4,809,000	2	119
Satin	405,600	90,174,000	2	119
SCCI	115,600	15,910,000	2	119
Share	2,195,400	376,727,000	1	119
SKS	3,409,000	355,029,000	2	119
SMILE	360,200	56,927,000	1	119
SNFL	9,400	1,779,000	1	119
Sonata Finance	158,200	22,724,000	3	121
Spandana	533,400	147,240,000	2	119
Suryoday	78,600	14,713,000	3	119
SVCL	118,200	18,886,000	1	119
Swadhaar	92,800	17,166,000	3	119
Trident	68,700	8,852,000	1	119
Ujjivan	913,300	160,848,000	5	119
Utkarsh	168,600	25,915,000	3	119
VFS	175,400	19,264,000	2	119
Asomi	50,300	4,743,000	2	151
AES India	3,600	286,000	1	151
Arth	2,900	611,000	2	151
Asomi	50,300	4,743,000	2	151
Barasat GS	1,100	99,508.02	1	151
BJS	6,000	468,000	1	151
Cashpor	417,000	50,452,000	1	150
Credible	10,000	1,669,540.36	2	151
DIBAKAR	1,800	145,000	1	150
GOF	65,200	5,388,000	4	150
Hope	62,600	4,407,000	1	148
Jaago	2,700	237,000	1	149
LOK	4,900	573,000	1	150
Nano	25,600	3,660,000	2	151
NBSAAVS	28,100	2,821,000	1	148
Nirantara	8,200	917,000	2	150
Parama	7,100	482,000	1	150
Pragathi	26,200	4,579,000	6	150
PWMACS	36,500	5,946,000	1	150
Saadhana	90,900	12,046,000	2	150
Sambhav	1,500	183,000	3	150
Seba Rahara	6,700	468,000	1	150
SU	61,100	5,498,000	1	150
Swayanshree	7,900	918,000	2	150
Vikas Samiti	1,600	168,000	1	150
Vistaar	4,300	1,157,000	2	148
We The People	1,100	244,000	2	150
WEMCS	1,100	85,000	1	150
Yukti	1,100	99,000	2	150

Key Statistics
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# Countries
# Borrowers
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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Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » Pricing Information

Institution Price Graph

Total Borrowers of Samples

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