2. Mojaz
Please note that the information you are viewing is 107 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Sidama
Please note that the information you are viewing is 150 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

MOJAZ Foundation Opposite DCO House, District NarowalNarowal, Punjab
Data approved: 2015-05-04
Data version: 2
Age of data: 107 months
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Institution

Sidama MFI Head OfficeHawassaPO Box 565
Data approved: 2011-12-23
Data version: 1
Age of data: 150 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.mojaz.org
Year established2008
Head of InstitutionGulshan Kaur
Regions activePunjab
# Branches4

Total Portfolio (nat'l)PKR 246,000,000
Total Portfolio (USD)USD 2,415,720
Active clients with loans13,417
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsPakistan Center for Philanthropy, Human Resource Development Network
FundersPakistan Poverty Alleviation Fund, Orix Leasing, Orangi Charitable Trust

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1998
Head of InstitutionMr Tarekegn Bache
Regions active
# Branches20

Total Portfolio (nat'l)ETB 37,000,000
Total Portfolio (USD)USD 2,010,869.57
Active clients with loans52,914
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsAEMFI, MAIN
FundersIrish Aid (initially), Care Ethiopia

Loan Products » Summary

Regular
11,211 Borrowers
USD 1,708,680 Portfolio
Active Product
Seasonal
2,206 Borrowers
USD 707,040 Portfolio
Active Product

Loan Products » Summary

Agriculture
15,345 Borrowers
USD 703,804.35 Portfolio
Active Product
General
6,350 Borrowers
USD 36,195.65 Portfolio
Active Product
Housing
8,465 Borrowers
USD 30,163.04 Portfolio
Active Product
Enterprise
6,350 Borrowers
USD 28,152.17 Portfolio
Active Product
Petty Trade
16,403 Borrowers
USD 361,956.52 Portfolio
Active Product
Service Loan
530 Borrowers
USD 2,010.87 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Regular Loan PKR 10,000 - 75,000 12 - 18 40% - 60% 0% - 20% Business, Agriculture, Livestock Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Seasonal Loan PKR 10,000 - 75,000 3 - 6 40% - 60% 0% Agriculture, Other, Livestock Women, Men, Must be involved in agriculture activity Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Loan ETB 300 - 50,000 3 - 24 0% - 20% 0% - 20% Business, Agriculture Women, Men Credit Educ, Group Mtgs, Credit Ins
General Loan ETB 300 - 10,000 12 40% - 60% 20% - 40% Any Purpose Women, Men, Salaried worker Credit Educ, Group Mtgs, Credit Ins
Housing Loan ETB 10,000 - 100,000 12 - 24 0% - 20% 80% - 100% Housing Women, Men, Have home or land Credit Ins
Micro and Small Enterprise Loan ETB 300 - 50,000 3 - 24 0% - 20% 80% - 100% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Petty Trade Loan ETB 300 - 100,000 3 - 24 20% - 40% 40% - 60% Business Women, Men, Have home or land Credit Educ, Group Mtgs, Credit Ins
Service Loan ETB 300 - 100,000 12 - 24 40% - 60% 60% - 80% Business Women, Men, Have business Credit Educ, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Regular Loan 20.0% annual, Flat 1 Fee 1 Ins None N/A 39.3% 41.3% 48
Seasonal Loan 24.0% annual, Decl Bal 1 Fee 1 Ins None N/A 30.2% 32.3% 74

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 12.0% annual, Flat 1 Fee 1 Ins None 6.0% upfront 20.00 ongoing 35.6% - 40.4% 41.9% - 48.8% 27
General Loan 18.0% annual, Flat 1 Fee 1 Ins None 6.0% upfront 20.00 ongoing 35.6% - 35.7% 42.8% - 46.9% 40
Housing Loan 15.0%-18.0% annual, Flat 1 Fee 1 Ins None 6.0% upfront 20.00 ongoing 28.7% - 35.6% 34.5% - 44.2% 41
Micro and Small Enterprise Loan 18.0% annual, Flat 1 Fee 1 Ins None 6.0% upfront 20.00 ongoing 28.6% - 35.5% 32.9% - 41.8% 51
Petty Trade Loan 18.0% annual, Flat 1 Fee 1 Ins None 6.0% upfront 20.00 ongoing 28.7% - 35.7% 32.9% - 43.7% 48
Service Loan 18.0% annual, Flat 1 Fee 1 Ins None 6.0% upfront 20.00 ongoing 28.7% - 28.8% 32.9% - 33.1% 54

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Regular Loan 20.0% annual, Flat 1 Fee 1 Ins Ins None N/A 39.3% 41.3% 48
Seasonal Loan 24.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 30.2% 32.3% 74

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 12.0% annual, Flat 1 Fee 1 Ins Ins None 6.0% upfront 20.00 ongoing 35.6% - 40.4% 41.9% - 48.8% 27
General Loan 18.0% annual, Flat 1 Fee 1 Ins Ins None 6.0% upfront 20.00 ongoing 35.6% - 35.7% 42.8% - 46.9% 40
Housing Loan 15.0%-18.0% annual, Flat 1 Fee 1 Ins Ins None 6.0% upfront 20.00 ongoing 28.7% - 35.6% 34.5% - 44.2% 41
Micro and Small Enterprise Loan 18.0% annual, Flat 1 Fee 1 Ins Ins None 6.0% upfront 20.00 ongoing 28.6% - 35.5% 32.9% - 41.8% 51
Petty Trade Loan 18.0% annual, Flat 1 Fee 1 Ins Ins None 6.0% upfront 20.00 ongoing 28.7% - 35.7% 32.9% - 43.7% 48
Service Loan 18.0% annual, Flat 1 Fee 1 Ins Ins None 6.0% upfront 20.00 ongoing 28.7% - 28.8% 32.9% - 33.1% 54
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