| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 2000 |
| Head of Institution | A.Y.Ghuhia |
| Regions active | Kilimanjaro |
| # Branches | 1 |
| Total Portfolio (nat'l) | TZS 5,079,003,643 |
| Total Portfolio (USD) | USD 3,194,341.91 |
| Active clients with loans | 4,004 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | TAMFI |
| Funders |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.concernuniversal.org/ |
| Year established | 2000 |
| Head of Institution | Ezikiel Phiri |
| Regions active | Dedza, Dowa, Lilongwe, Ntcheu, Salima, Balaka, Chiradzulu, MachingaMangochi, Mulanje, Nsanje |
| # Branches | 2 |
| Total Portfolio (nat'l) | MWK 231,643,414 |
| Total Portfolio (USD) | USD 593,957.47 |
| Active clients with loans | 48,013 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | MAMN, The MIX Market |
| Funders | Concern Universal, USAID, UNDP UNCDF through FIMA, Irish Aid |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loans | TZS 500,000 - 5,000,000 | 12 | 40% - 60% | 0% - 20% | Business | Women, Men | Business Training | |||||||
| Group Loans | TZS 100,000 - 2,200,000 | 3 - 6 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | Business Training | |||||||
| Business Loans | TZS 100,000 - 100,000,000 | 6 - 24 | 20% - 40% | 0% - 20% | Business | Women, Men, Have business | Tech Asst Visits, Other Training | |||||||
| Salaried Loans | TZS 100,000 - 9,000,000 | 1 - 36 | 40% - 60% | 60% - 80% | Consumer | Women, Men, Salaried worker | Credit Educ, Other Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fumba (Agricultural Loan) | MWK 10,000 - 50,000 | 6 | 60% - 80% | 0% - 20% | Business, Used for only working capital purpose | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training, Environmental & HIV & AIDS education | |||||||
| Masika (Village Enterprise Loan) | MWK 2,000 - 200,000 | 4 - 6 | 60% - 80% | 0% - 20% | Business, Used for only working capital purpose | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Business Training, Environmental and HIV-AIDS Education |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loans | 30.00% annual, Decl Bal | 1 Fee | 1 Ins | None | 15.00% upfront | 31.9% | 40.1% | 74 | ||||||||
| Group Loans | 30.00% annual, Flat | 1 Fee | 1 Ins | None | 15.00% upfront | 57.7% - 61.5% | 78.8% - 86.5% | 37 | ||||||||
| Business Loans | 21.60% annual, Flat | 1 Fee | 1 Ins | None | 15.00% upfront | 32.2% - 41.1% | 42.8% - 58.4% | 43 | ||||||||
| Salaried Loans | 10.00%-18.00% annual, Flat | 1 Fee | 1 Ins | None | N/A | 34.4% - 37.9% | 35.3% - 39.3% | 26 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fumba (Agricultural Loan) | 60.00% annual, Flat | 1 Fee | 1 Ins | None | 5.00% upfront | 71.1% | 80.3% | 74 | ||||||||
| Masika (Village Enterprise Loan) | 54.00%-72.00% annual, Flat | 1 Fee | 1 Ins | None | 5.00% upfront | 104.4% | 125.1% | 43 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loans | 30.00% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 15.00% upfront | 31.9% | 40.1% | 74 | ||||||||
| Group Loans | 30.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 15.00% upfront | 57.7% - 61.5% | 78.8% - 86.5% | 37 | ||||||||
| Business Loans | 21.60% annual, Flat | 1 Fee | 1 Ins Ins | None | 15.00% upfront | 32.2% - 41.1% | 42.8% - 58.4% | 43 | ||||||||
| Salaried Loans | 10.00%-18.00% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 34.4% - 37.9% | 35.3% - 39.3% | 26 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fumba (Agricultural Loan) | 60.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.00% upfront | 71.1% | 80.3% | 74 | ||||||||
| Masika (Village Enterprise Loan) | 54.00%-72.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.00% upfront | 104.4% | 125.1% | 43 |
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