| 617 |
| USD 1,000 - 10,000 |
| 6 - 72 |
| 16.0%-24.0% annual, Decl Bal |
| 1.00% upfront |
| None |
| 15.00% Principal |
| N/A |
| N/A |
| 16.2% - 28.4% (Int+Fee) |
| 0 - 0.5% |
| 0 - 0.4% |
| 16.7% - 28.9% |
| 0 - N/A |
| 64 |
| Outstanding portfolio (MZN) | MZN 4,996,914.14 |
| Portfolio (USD) | USD 147,837.70 |
| Active Clients with Loans | 221 |
| Approximate % Female Clients | 40% - 60% |
| Approximate % Urban Clients | 60% - 80% |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | x |
| Other | |
| Other (2) |
| # Regions for this institution | 6 |
| # Regions for this product | N/A |
| Regions Active |
| Outstanding portfolio (USD) | USD 1,289,677 |
| Portfolio (USD) | USD 1,289,677 |
| Active Clients with Loans | 617 |
| Approximate % Female Clients | 40% - 60% |
| Approximate % Urban Clients | 40% - 60% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | |
| Mortgage/housing | x |
| Consumer loan | |
| Agriculture | |
| Education | x |
| Other household finance | |
| Other | No se puede usar para negocio |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services | x |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | x |
| Must be a salaried worker | x |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Currency | USD |
| Minimum loan size | USD 1,000 |
| Maximum loan size | 10,000 |
| Shortest loan term | 6.0 months |
| Longest loan term | 72.0 months |
| Approx average | 36.0 months |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | x |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 1.33% |
| Highest quoted nominal interest | 2.00% |
| Reason(s) why interest rate varies | Branch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | N/A |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Se cobra una comisio del 1% al momento del desembolso |
| % of loan amount - min | 1.00% |
| % of loan amount - max | 1.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | |
| Appears on Repayment Sched? | No |
| Required for | Never |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | N/A |
| Do borrowers control deposit in their group? | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| Conditions on access to deposit | N/A |
| Minimum interest rate paid | N/A |
| Maximum interest rate paid | N/A |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | Yes |
| Percentage of fees | 0 |
| All or some fees taxed | N/A |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Loan Amount | USD 1,000 | USD 1,000 | USD 2,000 | USD 2,000 | USD 4,000 | USD 4,000 | |||||
| Loan Cycle (1, 2, 3, etc) | Not Known | 2 | Not Known | 1 | Not Known | 1 | |||||
| Disbursement Date | 2010-06-04 | 2011-04-29 | 2010-05-20 | 2011-07-21 | 2010-03-31 | 2010-06-07 | |||||
| Loan Term (Months) | 12.0 months | 18.0 months | 24.0 months | 24.0 months | 36.0 months | 48.0 months | |||||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||||
| Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
| True Price by Comp | |||||||||||
| Interest and Fee Component | 26.3% | 28.4% | 25.3% | 16.2% | 25.1% | 24.9% | |||||
| Insurance Component | 0.0% | 0.5% | 0.0% | 0.5% | 0.0% | 0.0% | |||||
| Tax Component | 0.3% | 0.0% | 0.1% | 0.0% | 0.1% | 0.1% | |||||
| Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
| Full APR (int fee ins tax dep) | 26.6% | 28.9% | 25.5% | 16.7% | 25.2% | 25.0% | |||||
| Transparency Index | 60 | 55 | 63 | 96 | 63 | 64 | |||||
| Original Repayment Schedule | |||||||||||
| MFT Pricing Calculation |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| 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 | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
