2. AMF
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

Product

Al Karaoui Product 4 of 10 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (MAD)MAD 61,579,000
Portfolio (USD)USD 7,244,588.24
Active Clients with Loans12,864
Approximate % Female Clients20% - 40%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
ATTAAHIL est la dernière marche de l’échelle des crédits évolutifs de la FBPMC.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherFinancement des besoins en investissement liés à l’activité de l’élevage
Other (2)
Included Services
Credit educationx
Group meetingsx
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
CurrencyMAD
Minimum loan sizeMAD 3,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than MAD 5,00020%
MAD 5,000-15,00070%
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 term6.0 months
Longest loan term48.0 months
Approx average17.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months5%
Between 10 and 12 months30%
Between 13 and 18 months50%
Longer than 18 months15%
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 interest2.60%
Highest quoted nominal interest2.60%
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
Micro-entreprises et coopératives agricoles en milieu rural, qui ne répondent pas au critères du systéme bancaire traditionnel.

Full Pricing Data

Al Karaoui samples
Sample 2Sample 3Sample 4Sample 5
Loan AmountMAD 5,000MAD 10,000MAD 20,000MAD 30,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-07-192013-03-142013-04-182013-03-01
Loan Term (Months)9.0 months17.0 months23.0 months34.0 months
Grace Period (Months)0.4 months0.4 months0.4 months0.3 months
Total Cost of CreditMAD 880MAD 2,855MAD 7,300MAD 16,415
True Price by Comp       
Interest price component31.3%31.3%31.3%31.5%
Fee Component10.2%3.9%2.4%1.5%
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)41.5%35.2%33.7%33.0%
Transparency Index75899394
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Al Karaoui Price Graphs


Click to view Price Analysis Tool
  2. CCODE
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

Institution

The Centre for Community Organisation and Development Head OfficeLilongwePO Box 2109
Data approved: 2012-12-04
Data version: 2
Age of data: 136 months
Choose version

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established2003
Head of InstitutionSiku Nkhoma
Regions activeDedza, Dowa, Kasungu, Lilongwe, Ntcheu, Salima, ChitipaKaronga, Mzimba, Nkhata Bay, Rumphi, Balaka, Blantyre, Chikwawa, Chiradzulu, Machinga, Mulanje
# Branches1

Total Portfolio (nat'l)MWK 250,550,466.50
Total Portfolio (USD)USD 642,437.09
Active clients with loans2,351
Approximate % female clients80% - 100%
Approximate % urban clients60% - 80%
Network affiliationsSlum Dwellers International, MAMN, Malawi Homeless People's Federation
FundersSlum Dwellers International, Homeless International, African Development Bank, WASTE

Loan Products » Summary

Business
139 Borrowers
USD 2,375.73 Portfolio
Active Product
Home
334 Borrowers
USD 4,065.71 Portfolio
Active Product
Sanitation
870 Borrowers
USD 132,828.60 Portfolio
Active Product
Water
255 Borrowers
USD 14,796.76 Portfolio
Active Product
Home Loan
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan MWK 10,000 - 10,000 6 80% - 100% 80% - 100% Business, Can only be used for working capital Women, Men, Must be a member of the Malawi Homeless People's Federation. Business Training
Home Improvement Loan MWK 20,000 - 20,000 24 80% - 100% 80% - 100% Housing Women, Men, Must be a member of the Malawi Homeless People's Federation
Sanitation Loan MWK 40,000 - 100,000 24 80% - 100% 80% - 100% Sanitation Women, Men, Residents from the peri urban areas
Water Loan MWK 18,000 - 120,000 24 60% - 80% 80% - 100% water supply Women, Men, Residents from the peri urban areas

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 24.00% annual, Decl Bal 0 Fees 0 Ins None 10.00% upfront 16.8% 16.8% 100
Home Improvement Loan 12.00% annual, Decl Bal 0 Fees 0 Ins None 10.00% upfront 10.9% 10.9% 100
Sanitation Loan 12.00% annual, Decl Bal 0 Fees 0 Ins None 10.00% upfront 10.9% 10.9% 100
Water Loan 12.00% annual, Decl Bal 0 Fees 0 Ins None 10.00% upfront 10.9% - 11% 10.9% - 11% 100
Institution Price Graph
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 ∞