2. AfricaWorks
Please note that the information you are viewing is 111 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

AfricaWorks Fialho de Almeida 69Maputo
Data approved: 2015-03-20
Data version: 3
Age of data: 111 months
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Product

Grupo Comunitario Product 2 of 8 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 39,944,556.50
Portfolio (USD)USD 1,181,791.61
Active Clients with Loans5,679
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Isento de garantias fisicas; Benefecia micro-negociantes; Numero de membros igual ou superior a 10; A responsabilidade e solidaria tanto na seleio de clientes, como nos reembolsos
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
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 groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution6
# Regions for this product6
Regions ActiveMaputo Capital, Maputo Province, Inhambane, Gaza, Manica, Tete

Loan Conditions

Loan Amount
CurrencyMZN
Minimum loan sizeMZN 3,000
Maximum loan size30,000
Distribution at Disbursement (Est.)
Loans less than MZN 5,00030%
MZN 5,000-10,00030%
MZN 10,000-20,00030%
MZN 20,000-40,00010%
MZN 40,000-60,0000
Greater than MZN 60,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term6.0 months
Approx average4.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
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
Weekly
Every 2 weeks
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 interest4.00%
Highest quoted nominal interest4.00%
Interest rate period4 Weeks
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
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 forSome
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00% - 20.00%
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

Grupo Comunitario samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
MZN 5,000 Real 2015-02-12 3.9 months N/A MZN 800 83.0% 71.3% 0.0% 0.0% 0.0% 11.7% 63 PDF PDF
MZN 5,000 Generated 2015-03-01 3.7 months N/A MZN 736.44 85.3% 72.7% 0.0% 0.0% 0.0% 12.6% 61 - PDF
MZN 5,000 Real 2015-02-12 3.9 months N/A MZN 800 83.0% 71.3% 0.0% 0.0% 0.0% 11.7% 63 PDF PDF
MZN 5,000 Generated 2015-03-01 3.7 months N/A MZN 736.44 85.3% 72.7% 0.0% 0.0% 0.0% 12.6% 61 - PDF
MZN 3,000 Generated 2015-03-01 5.5 months N/A MZN 718.03 96.6% 82.2% 0.0% 0.0% 0.0% 14.4% 54 - PDF
MZN 12,000 Generated 2015-03-01 5.5 months N/A MZN 2,872.11 105.8% 82.2% 0.0% 0.0% 0.0% 23.6% 49 - PDF
MZN 16,500 Generated 2015-03-01 5.5 months N/A MZN 3,949.15 105.8% 82.2% 0.0% 0.0% 0.0% 23.6% 49 - PDF
MZN 21,000 Generated 2015-03-01 5.5 months N/A MZN 5,026.19 105.8% 82.2% 0.0% 0.0% 0.0% 23.6% 49 - PDF
MZN 26,000 Generated 2015-03-01 5.5 months N/A MZN 6,222.90 105.8% 82.2% 0.0% 0.0% 0.0% 23.6% 49 - PDF
MZN 30,000 Generated 2015-03-01 3.7 months N/A MZN 4,786.85 100.4% 78.5% 0.0% 0.0% 0.0% 21.9% 52 - PDF
Grupo Comunitario Price Graphs


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  2. Ujjivan
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Ujjivan Financial Services Private Limited #93, Jakkasandra ExtensionSarjapur Main Cross Road, Koramangala 1st BlockBangalore, KarnatakaPO Box 56003
Data approved: 2012-12-18
Data version: 2
Age of data: 132 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.ujjivan.com/
Year established2005
Head of InstitutionSamit Ghosh
Regions activeAssam, Bihar, Goa, Gujarat, HaryanaJharkhand, Karnataka, Kerala, Maharashtra, Meghalaya, OrissaPunjab, Rajasthan, Tamil Nadu, Uttar Pradesh, Uttarakhand, West Bengal, Chandigarh, National Capital Territory of Delhi, Puducherry
# Branches298

Total Portfolio (nat'l)INR 8,831,317,978
Total Portfolio (USD)USD 166,628,641.10
Active clients with loans918,610
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsAssociation of Karnataka Microfinance Inst (AKMI), Sa-Dhan, MFIN, Women's World Banking

Loan Products » Summary

Business
688,874 Borrowers
USD 119,564,143.30 Portfolio
Active Product
Education
5,676 Borrowers
USD 417,294.23 Portfolio
Active Product
Emergency
112 Borrowers
USD 1,935.47 Portfolio
Active Product
Family
212,667 Borrowers
USD 38,401,142.19 Portfolio
Active Product
Livestock
5,991 Borrowers
USD 2,464,108.25 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan INR 6,000 - 50,000 12 - 24 80% - 100% 80% - 100% Business Women, Have business, Med HH Inc, Can be used for spouses/son's business Credit Educ, Group Mtgs, Credit Ins, Financial Literacy Training, Life Insurance
Education Loan INR 5,000 - 15,000 12 80% - 100% 80% - 100% Education Women, Med HH Inc Credit Educ, Group Mtgs, Credit Ins, Financial literacy training, Scholarships by Parinaam Foundation for deserving students.
Emergency Loan INR 2,000 - 2,000 6 80% - 100% 80% - 100% Other, Emergency use only Women, Med HH Inc Group Mtgs
Family Loan INR 6,000 - 35,000 12 - 24 80% - 100% 80% - 100% Housing, Consumer, Education, Other Women, Med HH Inc Credit Educ, Group Mtgs, Credit Ins, Financial Literacy training, Life Insurance
Livestock Loan INR 15,000 - 35,000 24 80% - 100% 0% - 20% Business Women, Med HH Inc Credit Educ, Group Mtgs, Credit Ins

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Business Loan 23.7% 25.1% - 25.5% 26.7% - 28.2% Yes Yes Yes 100
Education Loan 23.3% - 23.8% 25% - 25.7% 26.3% - 28.3% Yes Yes Yes 100
Emergency Loan 23.3% - 24.4% 23.3% - 24.4% 23.3% - 24.4% Yes Yes Yes 100
Family Loan 23.7% - 24.8% 25.1% - 26.7% 26.7% - 29.3% Yes Yes Yes 100
Livestock Loan 25% - 26.9% 26% - 27.9% 32.4% - 34.9% Yes Yes Yes 93
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Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 24.0%-25.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 25.1% - 25.5% 26.7% - 28.2% 87
Education Loan 24.0%-25.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 25% - 25.7% 26.3% - 28.3% 87
Emergency Loan 24.0%-25.0% annual, Decl Bal 0 Fees 0 Ins None N/A 23.3% - 24.4% 23.3% - 24.4% 100
Family Loan 24.0%-25.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 25.1% - 26.7% 26.7% - 29.3% 86
Livestock Loan 24.0% annual, Decl Bal 1 Fee 2 Ins 12.36% fees N/A 26% - 27.9% 32.4% - 34.9% 72
Institution Price Graph
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Key Statistics
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# 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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