| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| ACSI | 682,200 | 103,172,000 | 5 | 146 |
| ADCSI | 176,100 | 30,846,000 | 2 | 147 |
| BG | 47,000 | 4,048,000 | 4 | 146 |
| DECSI | 361,000 | 96,304,000 | 7 | 146 |
| Dire | 4,900 | 828,000 | 4 | 146 |
| DMCPSC | 1,200 | 69,000 | 1 | 146 |
| Eshet | 18,800 | 2,392,000 | 3 | 146 |
| Harbu | 22,400 | 1,757,000 | 2 | 146 |
| Meklit | 12,200 | 1,395,000 | 4 | 146 |
| Metemamen | 10,500 | 650,000 | 6 | 146 |
| OCSSCO | 502,700 | 69,565,000 | 3 | 146 |
| OMO | 323,600 | 31,385,000 | 4 | 146 |
| PEACE | 17,200 | 2,462,000 | 3 | 146 |
| SFPI | 33,600 | 2,750,000 | 3 | 146 |
| Sidama | 53,400 | 1,162,000 | 6 | 146 |
| Wasasa | 49,300 | 5,798,000 | 4 | 146 |
| Wisdom MFI | 45,300 | 5,500,000 | 6 | 142 |
| 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 |
| 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 |
| 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 |
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