2. SISDO
Please note that the information you are viewing is 136 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. AMF
Please note that the information you are viewing is 129 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Smallholder Irrigation Schemes Development Organization (SISDO) P.O. Box 76622Nairobi
Data approved: 2013-06-25
Data version: 2
Age of data: 136 months
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Institution

Attawfiq MF 3, rue Docteur VeyreRésidence PatioCasablanca, 20070
Data approved: 2013-09-12
Data version: 1
Age of data: 129 months

Product

School Fees Loan Product 6 of 11 « Prev | Next »

Product

Al Milkia Product 10 of 10 « Prev | Next »

Product Summary

Number borrowers214
Loan Amount (range)KES 3,000 - 100,000
Loan Term (range)3 - 12
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Annual Interest & Method20.0% annual, Flat
Fees1.00% upfront
Insurance2.00% upfront
TaxNone
Comp Dep20.0% upfront 100.00 ongoing
Range of pricing 
Interest Price Component28.1% - 38.9%
Fee Component1.9% - 3.8%
Insurance Component4.0% - 7.6%
Tax Component Range0
Full APR (int fee ins tax dep)66.5% - 113.4%
Transparency Index (min/max)15 - 38
Transparency Index (average)25

Product Summary

239
MAD 3,000 - 50,000
6 - 120
Credit Educ, Tech Asst Visits, Business Training, Other Training
12.0% annual, Decl Bal
125.00 upfront 1.50% upfront
None
None
N/A
 
10.3% - 31.5%
0.7% - 15.2%
0
0
11.2% - 13.0%
62 - 107
96

Product Details

Key Statistics
Outstanding portfolio (KES)KES 3,499,842.73
Portfolio (USD)USD 42,268.63
Active Clients with Loans214
Approximate % Female Clients60% - 80%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Targeted towards existing clients who have schoolchildren.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution5
# Regions for this product5
Regions ActiveCentral, Eastern, Nairobi, Rift Valley, Western

Product Details

Key Statistics
Outstanding portfolio (MAD)MAD 4,320,000
Portfolio (USD)USD 508,235.29
Active Clients with Loans239
Approximate % Female Clients0% - 20%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
ALMILKIA est un crédit individuel permettant de financer l'achat d’appartements, de lots de terrain et la construction de logements.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution12
# Regions for this product12
Regions ActiveTangier-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
CurrencyKES
Minimum loan sizeKES 3,000
Maximum loan size100,000
Distribution at Disbursement (Est.)
Loans less than KES 50,000100%
KES 50,000-150,0000
KES 150,000-250,0000
KES 250,000-350,0000
KES 350,000-450,0000
Greater than KES 450,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average9.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months80%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.3 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyMAD
Minimum loan sizeMAD 3,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than MAD 5,0000
MAD 5,000-15,00050%
MAD 15,000-25,00020%
MAD 25,000-35,00015%
MAD 35,000-45,00015%
Greater than MAD 45,00015%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term120.0 months
Approx average66.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months100%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeksx
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest20.00%
Highest quoted nominal interest20.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Processing Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedKES 100
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid0.50%
Maximum interest rate paid0.50%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest1.00%
Highest quoted nominal interest1.00%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionFrais de dossierCommission d'accompagnement solidaire (CAS)
% of loan amount - min01.50%
% of loan amount - max01.50%
OR, Fixed amount - min1250
Fixed amount - max1250
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
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 forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
Ce produit s'adresse aux micro-entrepreneurs & chefs de ménage n'ayant pas accès aux crédits bancaires, localisés dans les anciennes médinas, les périphériques des villes, les quartiers dits clandestins, les habitats insalubres, etc.

Full Pricing Data

School Fees Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountKES 10,000KES 25,000KES 40,000KES 99,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-06-242013-07-102013-05-082013-02-11
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)0.2 months0.2 months0.2 months0.2 months
Total Cost of CreditKES 2,300KES 5,750KES 9,200KES 22,770
True Price by Comp       
Interest price component35.6%35.6%35.6%35.6%
Fee Component2.0%2.0%2.0%2.0%
Insurance Component4.1%4.1%4.1%4.1%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component71.7%37.2%30.6%24.8%
Full APR (int fee ins tax dep)113.4%78.9%72.3%66.5%
Transparency Index18252830
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Al Milkia samples
Sample 3Sample 4Sample 5Sample 6
Loan AmountMAD 25,000MAD 30,000MAD 30,000MAD 50,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-06-062013-08-042013-03-022013-07-25
Loan Term (Months)74.0 months74.0 months53.0 months74.0 months
Grace Period (Months)1.0 month1.1 months1.2 months1.5 months
Total Cost of CreditMAD 11,031MAD 13,681MAD 8,161MAD 22,429
True Price by Comp       
Interest price component12.0%12.3%10.3%12.0%
Fee Component0.7%0.7%0.9%0.7%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)12.7%13.0%11.2%12.7%
Transparency Index949210095
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
School Fees Loan Price Graphs


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Al Milkia 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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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