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. SISDO
Please note that the information you are viewing is 135 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

Smallholder Irrigation Schemes Development Organization (SISDO) P.O. Box 76622Nairobi
Data approved: 2013-06-25
Data version: 2
Age of data: 135 months
Choose version

Product

Produit Logement Product 3 of 6 « Prev | Next »

Product

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

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

214
KES 3,000 - 100,000
3 - 12
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
20.0% annual, Flat
1.00% upfront
2.00% upfront
None
20.0% upfront 100.00 ongoing
 
28.1% - 38.9%
1.9% - 3.8%
4.0% - 7.6%
0
66.5% - 113.4%
15 - 38
25

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 (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

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
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

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 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

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

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
Produit Logement Price Graphs


Click to view Price Analysis Tool
School Fees Loan Price Graphs


Click to view Price Analysis Tool
Caps / Zoom options
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
Loading...
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

Total Borrowers of Samples

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