Please note that the information you are viewing is 156 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Associação Kavenha Wedde Av. Eduardo Mondlane (Recinto da Parroquia Da Sagrada Familia)Quelimane, Zambezia
Data approved: 2012-01-21
Data version: 1
Age of data: 156 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established2010
Head of InstitutionHonorio Sebastiao Sumale
Regions active
# Branches2

Total Portfolio (nat'l)MZN 500,000
Total Portfolio (USD)USD 16,447.37
Active clients with loans150
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliationsAPHAMA, CELIM, Caritas
FundersCELIM, Caritas

Loan Products » Summary

90 Borrowers
USD 11,513.16 Portfolio
Active Product
60 Borrowers
USD 4,934.21 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credito a Agricultura MZN 3,000 - 4,000 4 - 12 60% - 80% 0% - 20% Any Purpose Women, Men Credit Educ, Credit Ins
Credito ao Comercio MZN 3,000 - 4,000 4 - 12 60% - 80% 0% - 20% Business Women, Men Credit Educ, Group Mtgs

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito a Agricultura 54.0% annual, Decl Bal 1 Fee 1 Ins None N/A 37.7% - 57.3% 40.2% - 61% 100
Credito ao Comercio 54.0% annual, Decl Bal 1 Fee 1 Ins None N/A 43.4% - 61% 46.3% - 65% 93
Institution Price Graph
Please note that the information you are viewing is 131 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Soon Valley Development Program Sakesar Road, Naushera, Tehsil & District, KhushabNaushera, PunjabN/A
Data approved: 2013-08-15
Data version: 1
Age of data: 131 months

Product

Solar Lighting Product 13 of 14 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 12,238,629
Portfolio (USD)USD 124,883.97
Active Clients with Loans753
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This product is available for those poor community living in off grid/far off areas where the people are consuming kerosene oil for lighting purpose.
Loan Purpose
Any purposex
Income generation
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 business
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 institution1
# Regions for this product1
Regions ActivePunjab

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 15,000
Maximum loan size30,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00060%
PKR 25,000-50,00040%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months50%
Between 7 and 9 months50%
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 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 monthsx
Every 12 monthsx
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest36.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesTime as Client
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionAgreement Fee
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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

Full Pricing Data

Solar Lighting samples
Sample 1Sample 2Sample 3
Loan AmountPKR 20,000PKR 30,000PKR 40,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2014-03-282014-02-282014-03-28
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months-0.1 months0.0 months
Total Cost of CreditPKR 4,600PKR 6,900PKR 9,200
True Price by Comp     
Interest price component34.4%34.9%34.4%
Fee Component5.9%6.0%5.9%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)40.3%40.9%40.3%
Transparency IndexN/AN/AN/A
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Solar Lighting Price Graphs


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Key Statistics
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# Countries
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Loan Portfolio (USD)
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% Products with one or more insurances
% Products with compulsory deposits
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