- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
1st Valley Bank	38,900	48,291,000	3	152
AJDFI	13,100	884,000	6	152
ARDCI	44,600	9,403,000	1	152
ASA Philippines	333,400	29,282,000	1	152
ASHI	35,400	5,231,000	6	152
ASKI	60,000	15,247,000	4	152
Bangko Kabayan	8,900	2,373,000	2	152
BSEI	600	73,000	2	152
CBI	8,100	2,010,000	5	152
CCT	70,300	9,504,000	4	152
CEV	35,400	5,111,000	4	152
DSPI	59,300	3,676,000	3	152
ECLOF	5,400	1,836,000	4	152
FCB	12,000	2,392,000	2	152
FMB	2,700	710,000	2	152
GM Bank	23,500	1,553,000	3	152
HSPFI	19,100	1,899,000	2	152
JVOFI	1,300	281,000	1	152
Katipunan Bank	42,100	5,325,000	2	152
KDCI	20,500	2,095,000	3	152
KGI	32,300	3,421,000	4	152
KMBI	245,000	15,098,000	1	152
LTMPC	37,400	8,935,000	3	152
Mallig Plains	6,500	641,000	2	152
MILAMDEC	29,800	3,278,000	2	152
MWIMPC	11,800	1,740,000	4	151
NWTF	105,500	12,698,000	5	152
OFMPC	4,400	964,000	1	152
PBC	50,700	10,434,000	4	152
PCSD	700	167,000	1	152
PMPC	23,500	5,565,000	8	152
RB Angeles	900	1,502,000	2	152
RB Labason	500	289,000	1	152
RBLI	5,200	1,026,000	2	152
RBMI	11,900	1,750,000	2	152
RMB	100	173,000	1	152
RSPI	39,600	2,834,000	4	152
SAFRAGEMC	1,100	229,000	1	152
Salve	10,900	1,191,000	3	152
SEDP	27,000	3,914,000	3	152
TSKI	212,900	25,187,000	2	152
TSPI	264,500	31,290,000	7	152
Valient	1,700	672,000	2	152

Please note that the information you are viewing is 135 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Banco Tchuma, S.A. Sede, Rua do Bagamoio, 333, AndarMaputo

Data approved: 2012-01-21

Data version: 1

Age of data: - months

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Product

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Product Details

Key Statistics

Outstanding portfolio (MZN)	MZN 151,489
Portfolio (USD)	USD 4,887
Active Clients with Loans	9,470
Approximate % Female Clients	40% - 60%
Approximate % Urban Clients	40% - 60%

Methodology

Individual	x
Solidarity group	x
Village banking
Self help group
Other

Description

Credito ?ß Economia, e destinado a apoiar actividade economica do cliente nomeadamente o seu neg?cio.

Loan Purpose

Any purpose	x
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 services	x

Eligibility

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
Other
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	MZN
Minimum loan size	MZN 500
Maximum loan size	1,400,000

Loan Term and Grace Period

Shortest loan term	1.0 month
Longest loan term	24.0 months
Approx average	0

Distribution at Disbursement (Est.)

Loans 3 months or less	N/A
Between 4 and 6 months	N/A
Between 7 and 9 months	N/A
Between 10 and 12 months	N/A
Between 13 and 18 months	N/A
Longer than 18 months	N/A

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	5.00%
Highest quoted nominal interest	5.00%
Interest rate period	Monthly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	N/A
Is rate fixed for entire loan term	Yes

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 for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Credito a Economica samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5	Sample 6
Loan Amount	MZN 1,500	MZN 3,500	MZN 7,000	MZN 13,500	MZN 28,500	MZN 40,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2010-11-05	2011-08-22	2011-04-28	2011-06-09	2011-08-29	2011-08-15
Loan Term (Months)	N/A	N/A	N/A	N/A	N/A	N/A
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	DK	DK	DK	DK	DK	DK
Insurance Component	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	DK	DK	DK	DK	DK	DK
Transparency Index	-1	-1	-1	-1	-1	-1

Original Repayment Schedule	PDF	PDF	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF	PDF	PDF

Credito a Economica Price Graphs

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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

	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

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