2. K-Finance Ltd
Please note that the information you are viewing is 129 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Amanecer
Please note that the information you are viewing is 161 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

K-Finance Ltd P.O. Box 19111 DSMDAR-ESAALAAM, DAR-ESAALAAM255
Data approved: 2011-12-18
Data version: 1
Age of data: -   months 
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Institution

FUNDACIÓN AMANECER Calle 24 No. 20 A 27Yopal, Casanare
Data approved: 2011-09-15
Data version: 1
Age of data: 161 months

Product

Group Loan (Jikw Amue) Product 2 of 2 « Prev | Next »

Product

Rural Individual - Germina Product 4 of 4 « Prev | Next »

Product Summary

Number borrowers702
Loan Amount (range)TZS 100,000 - 1,100,000
Loan Term (range)6
Other Services (text summary)
Annual Interest & Method48.00%-0.00% annual, Flat
Fees
Insurance
Tax
Comp Dep
Range of pricing 
Interest Price ComponentN/A
Fee Component91.4% - 118.5% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)147.5% - 301.0%
Transparency Index (min/max)16 - 37
Transparency Index (average)23

Product Summary

830
COP 515,000 - 12,875,000
6 - 30
Group Mtgs, Giras Técnicas
24.0% annual, Decl Bal
None
3,000.00 ongoing
None
N/A
 
N/A
24.0% - 26.3% (Int+Fee)
0.4% - 7.6%
0
25.6% - 33.9%
71 - 98
83

Product Details

Key Statistics
Outstanding portfolio (TZS)TZS 80,000,000
Portfolio (USD)USD 53,333
Active Clients with Loans702
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Customers with business in groups of thirty, the group members should know each other or having their businesses at the same place/market.\r
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 insurancex
Workplace visits
Business training
Other trainingx
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 group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (COP)COP 2,640,491,791
Portfolio (USD)USD 1,450,819.67
Active Clients with Loans830
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Crédito Rural con metodología Individual para el fortalecimiento de actividades de producción, comercio o servicios en el sector rural.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business training
Other training
OtherGiras Técnicas
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 group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyTZS
Minimum loan sizeTZS 100,000
Maximum loan size1,100,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term6.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyCOP
Minimum loan sizeCOP 515,000
Maximum loan size12,875,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term30.0 months
Approx average25.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
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 periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionApplication feeEntrance fee
% of loan amount - min1.00%0
% of loan amount - max1.00%0
OR, Fixed amount - min05,000
Fixed amount - max05,000
Reason for variation
Appears on Repayment Sched?NoNo
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00% - N/A
or, Fixed-amount deposited0 - N/A
Deposits DURING period payments
% loan amount deposited0 - N/A
or, Fixed-amount depositedTZS 2,000 - N/A
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

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest2.00%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
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
Ins 1
DescriptionComisio para el cubrimiento de la póliza de gravamen
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min3,000
Fixed amount - max3,000
Reason for variationN/A
Appears on Repayment Sched?Yes
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

Group Loan (Jikw Amue) samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountTZS 100,000TZS 200,000TZS 500,000TZS 1,100,000
Loan Cycle (1, 2, 3, etc)1124
Disbursement Date2013-02-012013-02-082013-01-212013-02-05
Loan Term (Months)5.8 months5.8 months5.8 months5.8 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component118.5%105.8%91.4%96.5%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component182.5%100.3%56.1%54.6%
Full APR (int fee ins tax dep)301.0%206.1%147.5%151.1%
Transparency Index16233332
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Rural Individual - Germina samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountCOP 800,000COP 2,000,000COP 3,500,000COP 6,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-06-102011-03-162010-09-302011-03-30
Loan Term (Months)10.0 months12.0 months7.0 months25.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component26.3%26.2%24.0%26.3%
Insurance Component7.6%3.0%1.6%1.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)33.9%29.3%25.6%27.3%
Transparency Index71829488
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Group Loan (Jikw Amue) Price Graphs


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Rural Individual - Germina 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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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