| 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 |
| 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 |
| 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 | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| KBL | 468,300 | 120,082,000 | 16 | 96 |
| KF | 233,600 | 41,416,000 | 4 | 95 |
| NRSP | 399,900 | 70,157,000 | 3 | 96 |
| ASA | 230,400 | 29,637,000 | 3 | 96 |
| TMFB | 221,200 | 85,449,000 | 7 | 96 |
| FMFB | 163,544 | 38,481,323 | 9 | 114 |
| TRDP | 100,000 | 13,817,000 | 3 | 96 |
| PRSP | 75,656 | 9,907,176 | 3 | 114 |
| BRAC^P | 57,300 | 11,869,000 | 3 | 96 |
| SRSO | 51,100 | 7,775,000 | 3 | 96 |
| SSF | 46,000 | 4,776,000 | 3 | 96 |
| FINCA | 82,000 | 43,559,000 | 9 | 96 |
| JWS | 36,000 | 6,545,000 | 2 | 96 |
| RCDS | 35,552 | 4,856,122 | 4 | 114 |
| DAMEN | 35,185 | 7,150,864 | 1 | 114 |
| FFO | 22,400 | 3,335,000 | 3 | 96 |
| OLP | 21,400 | 3,510,000 | 3 | 96 |
| CSC | 17,600 | 3,147,000 | 1 | 96 |
| AMRDO | 13,800 | 1,206,000 | 5 | 96 |
| WMBL | 13,800 | 6,105,000 | 3 | 96 |
| Mojaz | 13,400 | 2,415,000 | 2 | 96 |
| SDF | 11,500 | 1,041,000 | 4 | 96 |
| POMFB | 8,500 | 2,795,000 | 4 | 96 |
| OPD | 7,500 | 918,000 | 2 | 96 |
| AGAHE | 7,300 | 797,000 | 2 | 96 |
| NRDP | 6,184 | 1,521,972 | 3 | 114 |
| GBTI | 6,100 | 669,000 | 3 | 114 |
| WASIL | 4,300 | 1,135,000 | 2 | 96 |
| Micro Options | 4,000 | 768,000 | 5 | 96 |
| VDO | 3,900 | 489,000 | 3 | 114 |
| SVDP | 3,900 | 811,000 | 13 | 114 |
| SRDO | 3,500 | 766,000 | 4 | 96 |
| OSDI | 2,000 | 923,000 | 3 | 96 |
| APMBL | 1,800 | 1,401,000 | 3 | 96 |
| BEDF | 1,400 | 209,000 | 3 | 114 |
| KCDO | 800 | 94,000 | 1 | 114 |
| Key Statistics | |
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| % Products using declining balance | |
| % Products with one or more fee | |
| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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