- MFTransparency.org Truth In Lending Tables

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

Please note that the information you are viewing is 127 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Attawfiq MF 3, rue Docteur VeyreRésidence PatioCasablanca, 20070

Data approved: 2013-09-12

Data version: 1

Age of data: 127 months

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Product

Al Intilaka Product 1 of 10 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (MAD)	MAD 775,008,000
Portfolio (USD)	USD 91,177,411.76
Active Clients with Loans	148,447
Approximate % Female Clients	60% - 80%
Approximate % Urban Clients	80% - 100%

Methodology

Individual
Solidarity group	x
Village banking
Self help group
Other

Description

AL INTILAKA est le premier produit évotif proposé dans le cadre du programme de micro-crédit de la FBPMC.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other	Financement du fonds de roulement ou d'investissement
Other (2)

Included Services

Credit education	x
Group meetings	x
Credit insurance
Workplace visits	x
Business training	x
Other training	x
Other	Formation Initiale pour les nouveaux clients
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)	Jouir d'une bonne moralité

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	12
# Regions for this product	12
Regions Active	Tangier-Tétouan, East and the Rif, Fes-Meknes, Rabat-Sale-Kenitra, Beni Mellal-Khenifra, Settat-Casablanca, Marrakesh-Safi, Drâa-Tafilalt, Souss-Massa, Guelmim-Oued NounEl Aiun-Saguia al Hamra, Dakhla-Oued Addahab

Loan Conditions

Loan Amount

Currency	MAD
Minimum loan size	MAD 3,000
Maximum loan size	20,000

Distribution at Disbursement (Est.)

Loans less than MAD 5,000	10%
MAD 5,000-15,000	70%
MAD 15,000-25,000	20%
MAD 25,000-35,000	0
MAD 35,000-45,000	0
Greater than MAD 45,000	0

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	30.0 months
Approx average	16.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	0
Between 7 and 9 months	5%
Between 10 and 12 months	30%
Between 13 and 18 months	50%
Longer than 18 months	15%

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly	x
Every 2 weeks	x
Every 4 weeks	x
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	2.10%
Highest quoted nominal interest	2.10%
Interest rate period	Monthly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1	Fee 2
Description	Frais de dossier	Commission d'accompagnement solidaire (CAS)
% of loan amount - min	0	1.50%
% of loan amount - max	0	1.50%
OR, Fixed amount - min	125	0
Fixed amount - max	125	0
Reason for variation	N/A	N/A
Appears on Repayment Sched?	Yes	Yes

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/A
Is deposit indicated on the repayment schedule?	N/A
Do borrowers control deposit in their group?	N/A

Deposit BEFORE or AT Disbursement

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Additional Comments

Le client doit exercer / débuter une activité et nayant pas accès au crédit bancaire/ ne doit pas employer plus de 5 salariés/ doit faire partie d'un groupe solidaire.

Full Pricing Data

Al Intilaka samples

	Sample 1	Sample 2	Sample 3	Sample 4
Loan Amount	MAD 3,000	MAD 5,000	MAD 10,000	MAD 20,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2013-04-04	2013-04-26	2013-03-28	2013-04-18
Loan Term (Months)	9.0 months	12.0 months	13.0 months	23.0 months
Grace Period (Months)	0.4 months	0.3 months	0.4 months	0.4 months
Total Cost of Credit	MAD 482	MAD 875	MAD 1,822	MAD 5,786
True Price by Comp
Interest price component	25.5%	25.6%	25.6%	25.5%
Fee Component	15.2%	8.4%	5.1%	2.4%
Insurance Component	0.0%	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	40.7%	34.0%	30.7%	27.9%
Transparency Index	62	74	82	90

Original Repayment Schedule	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF

Al Intilaka Price Graphs

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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
Std Dev

By Inst Type


By Country

	X Axis
	Greater than:
	Less or equal to:
	From 0 to
	to
	to
	to ∞

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Additional Comments

Full Pricing Data

Al Intilaka samples

Al Intilaka Price Graphs

Total Borrowers of Samples

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