2. Opportunity
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  2. SVDP
Please note that the information you are viewing is 126 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Opportunity Tanzania Limited P.O. Box 80244Dar Es Salaam, Dar Es Salaam
Data approved: 2011-12-18
Data version: 1
Age of data: -   months 
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Institution

Soon Valley Development Program Sakesar Road, Naushera, Tehsil & District, KhushabNaushera, PunjabN/A
Data approved: 2013-08-15
Data version: 1
Age of data: 126 months

Product

Mkopo Pamoja - Trust Group Loan Product 1 of 2 « Prev | Next »

Product

Trade Business Product 12 of 14 « Prev | Next »

Product Summary

Number borrowers3,200
Loan Amount (range)TZS 100,000 - 1,500,000
Loan Term (range)4 - 9
Other Services (text summary)
Annual Interest & Method36.00%-0.00% annual, Flat
Fees
Insurance
Tax
Comp Dep
Range of pricing 
Interest Price ComponentN/A
Fee Component66.3% - 69.6% (Int+Fee)
Insurance Component2.7% - 4.0%
Tax Component Range0
Full APR (int fee ins tax dep)100.4% - 109.0%
Transparency Index (min/max)24 - 36
Transparency Index (average)34

Product Summary

774
PKR 10,000 - 70,000
12
21.0%-24.0% annual, Flat
3.00% upfront
None
None
N/A
 
22.8% - 34.9%
3.0% - 6.0%
0 - 3.2%
0
40.7% - 40.9%
0 - N/A
N/A

Product Details

Key Statistics
Outstanding portfolio (TZS)TZS 1,016,000,000
Portfolio (USD)USD 677,333
Active Clients with Loans3,200
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Mkopo Pamoja (Trust Group Loan) is Opportunity Tanzania's entry level Micro Business loan for groups.
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 (PKR)PKR 13,858,014
Portfolio (USD)USD 141,408.31
Active Clients with Loans774
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Loan product is available for small businessmen and petty traders on the same terms and condition for a period of 12 months.
Loan Purpose
Any purpose
Income generationx
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 servicesx
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 institution1
# Regions for this product1
Regions ActivePunjab

Loan Conditions

Loan Amount
CurrencyTZS
Minimum loan sizeTZS 100,000
Maximum loan size1,500,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term9.0 months
Approx average6.5 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 usage100%
Average grace period0.6 months
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
CurrencyPKR
Minimum loan sizePKR 10,000
Maximum loan size70,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0005%
PKR 10,000-25,00040%
PKR 25,000-50,00050%
PKR 50,000-75,0005%
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Processing Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Life, Funeral, Property
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?Yes
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 deposited0 - 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
Additional Comments
First Loan Cycle Security Deposit required is equal to 1% of the loan amount.\r

Pricing Information

Interest
Lowest quoted nominal interest21.00%
Highest quoted nominal interest24.00%
Reason(s) why interest rate variesTime as Client
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionAgreement Fee
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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 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

Mkopo Pamoja - Trust Group Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountTZS 100,000TZS 250,000TZS 500,000TZS 1,000,000
Loan Cycle (1, 2, 3, etc)11Not Known3
Disbursement Date2013-02-192013-02-192013-02-142013-02-19
Loan Term (Months)5.6 months5.6 months5.6 months8.6 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 Component68.0%69.5%67.4%66.3%
Insurance Component3.9%4.0%3.9%2.7%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component33.7%35.5%33.2%31.3%
Full APR (int fee ins tax dep)105.5%109.0%104.4%100.4%
Transparency Index34333436
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Trade Business samples
Sample 1Sample 2Sample 3
Loan AmountPKR 10,000PKR 25,000PKR 50,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2014-02-282014-01-272014-02-18
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)-0.1 months0.0 months-0.1 months
Total Cost of CreditPKR 2,300PKR 5,750PKR 11,500
True Price by Comp     
Interest price component34.9%34.7%34.9%
Fee Component6.0%6.0%6.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)40.9%40.7%40.9%
Transparency IndexN/AN/AN/A
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Mkopo Pamoja - Trust Group Loan 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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