2. AMSSF
Please note that the information you are viewing is 128 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Credi Fe
Please note that the information you are viewing is 165 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

Credi Fe Desarrollo Microempresarial S.A Francisco Robles 411 y 6 de DiciembreQuito, Pichincha28034
Data approved: 2011-11-01
Data version: 1
Age of data: 165 months

Product

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Product

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Product Summary

Number borrowers1,067
Loan Amount (range)MAD 3,000 - 30,000
Loan Term (range)3 - 30
Other Services (text summary)
Annual Interest & Method18.0%-24.0% annual, Flat
Fees2.00% 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)37.0% - 49.4%
Transparency Index (min/max)36 - 83
Transparency Index (average)41

Product Summary

5,271
USD 500 - 20,000
3 - 36
Credit Ins, Tech Asst Visits
22.5%-26.9% annual, Decl Bal
None
6.00% ongoing
None
N/A
 
N/A
22.4% - 26.8% (Int+Fee)
0.6% - 0.8%
0
23.1% - 27.4%
39 - 104
92

Product Details

Key Statistics
Outstanding portfolio (MAD)MAD 7,863,000
Portfolio (USD)USD 925,058.82
Active Clients with Loans1,067
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Produit pour l'amenagement du local
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
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 product3
Regions ActiveFes-Meknes, Rabat-Sale-Kenitra, Beni Mellal-Khenifra

Product Details

Key Statistics
Outstanding portfolio (USD)USD 58,261,946
Portfolio (USD)USD 58,261,946
Active Clients with Loans5,271
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Este credito está destinado a satisfacer las necesidades del microempresario de inversión en Activos Productivos para su negocio. Entre estas necesidades incluimos la compra y/o remodelación de terrenos o inmuebles relacionados con el negocio.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
OtherCompra de terrenos destinados al negocio
Other (2)Compra/arreglo locales comerciales
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visitsx
Business training
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
OtherAl menos 24 meses de experiencia en su actividad
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyMAD
Minimum loan sizeMAD 3,000
Maximum loan size30,000
Distribution at Disbursement (Est.)
Loans less than MAD 5,00010%
MAD 5,000-15,00080%
MAD 15,000-25,00010%
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 term30.0 months
Approx average15.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months40%
Between 13 and 18 months40%
Longer than 18 months20%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeksx
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 500
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term36.0 months
Approx average30.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
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 interest1.50%
Highest quoted nominal interest2.00%
Reason(s) why interest rate variesLoan Size
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 - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFees that are not mentioned in the "frais dossier" are included in the loan costs since implementation of a new MIS.
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 interest22.50%
Highest quoted nominal interest26.90%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de Desgravamen
% of loan amount - min6.00%
% of loan amount - max6.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationCobro de seguro de desgravamen sobre el monto pendiente de Capital
Appears on Repayment Sched?Yes
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

Full Pricing Data

Produit Logement samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountMAD 2,940MAD 4,900MAD 9,800MAD 19,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-132013-03-212013-04-082013-04-24
Loan Term (Months)9.0 months11.0 months18.0 months21.0 months
Grace Period (Months)0.0 months0.0 months0.9 months0.0 months
Total Cost of CreditMAD 660MAD 1,300MAD 3,800MAD 6,760
True Price by Comp       
Interest price component45.2%45.4%40.4%34.4%
Fee Component4.2%3.5%2.0%2.6%
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)49.4%48.9%42.4%37.0%
Transparency Index36374249
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Credito para Activo Fijo samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 2,000USD 4,000USD 6,000USD 8,600USD 12,500USD 17,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-06-282010-06-172010-06-082010-06-172010-06-082010-06-30
Loan Term (Months)15.0 months24.0 months36.0 months24.0 months36.0 months36.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component26.8%24.4%23.9%23.9%22.4%22.5%
Insurance Component0.6%0.6%0.6%0.6%0.6%0.6%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)27.4%25.1%24.5%24.5%23.1%23.1%
Transparency Index829092929898
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Produit Logement Price Graphs


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Credito para Activo Fijo 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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