2. Mbinga
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  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

MBINGA COMMUNITY BANK LTD P.O.BOX 290MBINGA, RUVUMA255
Data approved: 2011-12-18
Data version: 1
Age of data: -   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 TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addressN/A
Year established2003
Head of InstitutionSHEDEHWA OPTAT
Regions active0
# Branches1

Total Portfolio (nat'l)TZS 4,600,000,000
Total Portfolio (USD)USD 3,066,666.67
Active clients with loans12,963
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsCOMMUNITY BANK ASSOCIATION (CBA)
FundersFINANCIAL SECTOR DEEPENING, AGRICULTURAL TRUST FUND(AGTF)

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

Salary Loan
267 Borrowers
USD 141,226 Portfolio
Active Product
Small Business Loan
307 Borrowers
USD 1,258,912 Portfolio
Active Product
Solidarity Group Loan
12,389 Borrowers
USD 1,264,050 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
Salary Loan TZS 300,000 - 6,000,000 12 60% - 80% 40% - 60%
Small Business Loan TZS 1,000,000 - 45,000,000 3 - 18 20% - 40% 60% - 80%
Solidarity Group Loan TZS 500,000 - 3,500,000 1 - 12 40% - 60% 20% - 40%

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
Salary Loan 24.00%-0.00% annual, Flat 1 Fee 1 Ins N/A 48.6% - 48.8% 51.9% - 52.1% 46
Small Business Loan 10.00%-0.00% annual, Flat 3 Fees 1 Ins N/A 49.5% - 49.8% 50.1% - 53.1% 19
Solidarity Group Loan 10.00%-0.00% annual, Flat 2 Fees 1 Ins 55.2% - 103.6% 114% - 169% 7

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
Salary Loan 24.00%-0.00% annual, Flat 1 Fee 1 Ins Ins N/A 48.6% - 48.8% 51.9% - 52.1% 46
Small Business Loan 10.00%-0.00% annual, Flat 3 Fees 1 Ins Ins N/A 49.5% - 49.8% 50.1% - 53.1% 19
Solidarity Group Loan 10.00%-0.00% annual, Flat 2 Fees 1 Ins Ins 55.2% - 103.6% 114% - 169% 7

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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