Wisdom Microfinance Institution S.Co - MFTransparency.org Truth In Lending Tables

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Institution

Wisdom Microfinance Institution S.Co Bole Sub CityAddis Ababa31478

Data approved: 2012-03-12

Data version: 1

Age of data: 147 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	Worku Tsega
Regions active
# Branches	51

Total Portfolio (nat'l)	ETB 119,816,176
Total Portfolio (USD)	USD 6,511,748.70
Active clients with loans	45,331
Approximate % female clients	60% - 80%
Approximate % urban clients	20% - 40%
Network affiliations	AEMFI, Vision Fund International
Funders	World Vision

Loan Products » Summary

AgriBusiness

243 Borrowers

USD 44,990.27 Portfolio

Active Product

Agriculture

34,703 Borrowers

USD 4,164,431.74 Portfolio

Active Product

Business

5,095 Borrowers

USD 382,694.08 Portfolio

Active Product

Consumption

3,354 Borrowers

USD 261,871.36 Portfolio

Active Product

Enterprise

61 Borrowers

USD 6,850.54 Portfolio

Active Product

Individual

1,875 Borrowers

USD 639,486.30 Portfolio

Active Product

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Agri-business Loan	ETB 3,000 - 5,000	6 - 12	60% - 80%	0% - 20%	Business, Agriculture	Women, Men	Credit Educ, Group Mtgs, Credit Ins
Agricultural Loan	ETB 2,500 - 4,500	6 - 12	60% - 80%	0% - 20%	Business, Agriculture	Women, Men, 75% of group members has to be women	Credit Educ, Group Mtgs, Credit Ins
Business Loan	ETB 3,000 - 5,000	6 - 12	60% - 80%	60% - 80%	Business	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins
Consumption Loan	ETB 3,000 - 5,000	10 - 24	60% - 80%	20% - 40%	Any Purpose	Men, Salaried worker	Credit Educ, Group Mtgs
Enterprise loan	ETB 4,500 - 8,000	9 - 12	60% - 80%	80% - 100%	Business	Women, Men, Have business, Must have at least one employee, Must have at least a certain minimum capital limit.	Credit Educ, Group Mtgs, Credit Ins
Individual Loan	ETB 4,000 - 50,000	9 - 24	60% - 80%	80% - 100%	Business	Women, Men	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
Agri-business Loan	17.5% annual, Flat	1 Fee	1 Ins	None	10.0% upfront 10.00 ongoing	38.7%	55.6%	31
Agricultural Loan	19.5% annual, Flat	1 Fee	1 Ins	None	15.0% upfront 10.00 ongoing	22.1%	28.1%	69
Business Loan	15.0% annual, Flat	1 Fee	1 Ins	None	10.0% upfront 10.00 ongoing	33.2%	47.3%	32
Consumption Loan	17.5% annual, Flat	1 Fee	1 Ins	None	15.0% upfront	38.7%	56.2%	31
Enterprise loan	15.0% annual, Flat	1 Fee	0 Ins	None	10.0% upfront 10.00 ongoing	22.9% - 31.9%	30.1% - 76.9%	35
Individual Loan	15.0% annual, Flat	1 Fee	1 Ins	None	N/A	31.6% - 32.9%	35.8% - 38.8%	41

Institution Price Graph

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Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Adhikar	35,300	2,674,000	1	132
AMPL	0	0	0	132
Arman	41,500	529,107,000	1	132
Arohan	43,500	8,091,000	2	132
ASA INDIA	164,000	15,380,000	1	132
Asirvad	113,500	19,328,000	1	132
Asmitha	1,114,800	217,867,000	1	132
Bandhan	4,048,600	674,564,000	5	132
Belstar	123,000	23,945,000	2	111
BSFL	275,200	31,590,000	3	132
Chaitanya	20,700	3,748,000	3	132
Disha Microfin	69,000	14,332,000	2	132
Equitas	1,220,000	186,415,000	4	132
ESAF	354,200	43,500,000	5	132
FFSL	150,600	35,719,000	2	132
Fusion	66,800	9,820,000	2	132
Grama Vidiyal	738,200	102,101,000	1	132
Grameen Koota	586,600	83,555,000	15	134
Janalakshmi	506,000	119,077,000	2	132
L & T Finance	399,800	37,199,000	1	132
MFL	331,800	49,083,000	1	132
MMFL	175,000	23,752,000	2	132
Mpower	13,600	2,263,000	2	132
Sahayata	0	0	0	132
Saija	24,700	4,682,000	2	132
Samasta	45,500	4,809,000	2	132
Satin	405,600	90,174,000	2	132
SCCI	115,600	15,910,000	2	132
Share	2,195,400	376,727,000	1	132
SKS	3,409,000	355,029,000	2	132
SMILE	360,200	56,927,000	1	132
SNFL	9,400	1,779,000	1	132
Sonata Finance	158,200	22,724,000	3	134
Spandana	533,400	147,240,000	2	132
Suryoday	78,600	14,713,000	3	132
SVCL	118,200	18,886,000	1	132
Swadhaar	92,800	17,166,000	3	132
Trident	68,700	8,852,000	1	132
Ujjivan	913,300	160,848,000	5	132
Utkarsh	168,600	25,915,000	3	132
VFS	175,400	19,264,000	2	132
Asomi	50,300	4,743,000	2	165
AES India	3,600	286,000	1	165
Arth	2,900	611,000	2	165
Asomi	50,300	4,743,000	2	165
Barasat GS	1,100	99,508.02	1	165
BJS	6,000	468,000	1	165
Cashpor	417,000	50,452,000	1	164
Credible	10,000	1,669,540.36	2	165
DIBAKAR	1,800	145,000	1	164
GOF	65,200	5,388,000	4	164
Hope	62,600	4,407,000	1	162
Jaago	2,700	237,000	1	163
LOK	4,900	573,000	1	164
Nano	25,600	3,660,000	2	165
NBSAAVS	28,100	2,821,000	1	162
Nirantara	8,200	917,000	2	164
Parama	7,100	482,000	1	164
Pragathi	26,200	4,579,000	6	164
PWMACS	36,500	5,946,000	1	164
Saadhana	90,900	12,046,000	2	164
Sambhav	1,500	183,000	3	164
Seba Rahara	6,700	468,000	1	164
SU	61,100	5,498,000	1	164
Swayanshree	7,900	918,000	2	164
Vikas Samiti	1,600	168,000	1	164
Vistaar	4,300	1,157,000	2	162
We The People	1,100	244,000	2	164
WEMCS	1,100	85,000	1	164
Yukti	1,100	99,000	2	164

Key Statistics
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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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