2. AMSSF
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  2. CRAN
Please note that the information you are viewing is 133 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Association Marocaine Soladirite Sans Frontieres / Micro-Credit 1, Rue Abi, Dar El GhoufariQuartier Prince Heritier 1er EtageFès, Maroc30000
Data approved: 2013-04-25
Data version: 1
Age of data: 128 months

Institution

CRAN Microfinance Head OfficeCape Coast, CentralP.O. Box UC 97
Data approved: 2013-02-18
Data version: 2
Age of data: 133 months
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Product Summary

Number borrowers10,593
Loan Amount (range)MAD 500 - 15,000
Loan Term (range)3 - 18
Other Services (text summary)Group Mtgs, Other Training
Annual Interest & Method19.2%-24.0% annual, Flat
Fees20.00-150.00 ongoing
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component26.3% - 47.4%
Fee Component1.4% - 6.3%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)40.0% - 49.6%
Transparency Index (min/max)36 - 83
Transparency Index (average)41

Product Summary

379
GHS 200 - 10,000
6 - 12
Credit Educ, Credit Ins, Savings promotion
42.00% annual, Flat
1.75% upfront
1.25% upfront
None
20.00% upfront
 
64.5% - 68.6%
3.7% - 8.8%
2.6% - 6.4%
0
106.1% - 112.0%
37 - 40
37

Product Details

Key Statistics
Outstanding portfolio (MAD)MAD 53,774,645
Portfolio (USD)USD 6,326,428.82
Active Clients with Loans10,593
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Produit octroyé à des groupes homogènes allant de 3 à 12 entrepreneurs, avec des montants entre 500 dhs et 15 000 dhs
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business training
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 institution5
# Regions for this product5
Regions ActiveTangier-Tétouan, East and the Rif, Fes-Meknes, Rabat-Sale-Kenitra, Beni Mellal-Khenifra

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 438,233
Portfolio (USD)USD 222,453.30
Active Clients with Loans379
Approximate % Female Clients60% - 80%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
These loans are given to people who have the necessary collateral or gurantor, and do not want to be in a group.
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 insurancex
Workplace visits
Business training
Other training
OtherSavings promotion
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 institution3
# Regions for this product3
Regions ActiveCentral Region, Western Region, Volta Region

Loan Conditions

Loan Amount
CurrencyMAD
Minimum loan sizeMAD 500
Maximum loan size15,000
Distribution at Disbursement (Est.)
Loans less than MAD 5,00040%
MAD 5,000-15,00060%
MAD 15,000-25,0000
MAD 25,000-35,0000
MAD 35,000-45,0000
Greater than MAD 45,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term18.0 months
Approx average11.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months60%
Between 13 and 18 months30%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace periodnon
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeksx
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 200
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,00050%
GHS 1,000-5,00040%
GHS 5,000-7,50010%
GHS 7,500-10,0000
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months70%
Between 7 and 9 months30%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
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

Pricing Information

Interest
Lowest quoted nominal interest1.60%
Highest quoted nominal interest2.00%
Reason(s) why interest rate variesLoan Size, Client Risk, N/A
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionFrais Dossier
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min20
Fixed amount - max150
Reason for variationMAD 20 for loans < MAD 2000 and 1% of loan amount for loans > MAD 2000
Appears on Repayment Sched?Yes
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

Pricing Information

Interest
Lowest quoted nominal interest42.00%
Highest quoted nominal interest42.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min1.75%
% of loan amount - max1.75%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min1.25%
% of loan amount - max1.25%
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 deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Produit Solidaire samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountMAD 1,000MAD 2,500MAD 5,000MAD 9,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-03-042013-04-262013-03-262013-04-17
Loan Term (Months)7.0 months9.0 months9.0 months11.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditMAD 180MAD 530MAD 1,070MAD 1,835
True Price by Comp       
Interest price component43.8%47.2%47.4%38.2%
Fee Component5.1%2.2%2.2%1.8%
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)48.9%49.4%49.6%40.0%
Transparency Index39393948
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Individual Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountGHS 400GHS 800GHS 1,500GHS 3,000GHS 6,000GHS 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2012-12-122012-06-222013-01-232012-12-212013-01-302012-12-17
Loan Term (Months)6.0 months6.0 months6.0 months6.0 months12.0 months6.0 months
Grace Period (Months)0.1 months0.0 months0.1 months0.0 months0.0 months0.0 months
Total Cost of CreditGHS 96GHS 192GHS 360GHS 720GHS 2,700GHS 2,400
True Price by Comp           
Interest price component66.8%66.2%67.1%67.0%68.6%66.9%
Fee Component6.3%6.3%6.4%6.4%3.7%6.4%
Insurance Component4.6%4.6%4.6%4.6%2.6%4.6%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component33.7%33.7%33.8%34.0%31.2%33.8%
Full APR (int fee ins tax dep)111.4%110.8%111.9%112.0%106.1%111.7%
Transparency Index383838384038
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Produit Solidaire Price Graphs


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Individual Loan 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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X Axis
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Total Borrowers of Samples

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