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Institution

Tujijenge Tanzania Limited P.O.Box 22320Dar Es Salaam, Dar Es Salaam255
Data approved: 2011-12-18
Data version: 1
Age of data: -   months 

Product

Group Loan Product 2 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (TZS)TZS 2,664,312,884
Portfolio (USD)USD 1,776,209
Active Clients with Loans12,483
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This loan is meant to provide working capital to micro entrepreneurs with legally acceptable businesses which may either be registered or unregistered and rely on group guarantorship to secure their loans \r
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other trainingx
OtherGroup dynamics
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
Other18 and above
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 50,000
Maximum loan size3,000,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term6.0 months
Approx average4.0 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 weeksx
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest36.00%
Highest quoted nominal interest36.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Application Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min4,000
Fixed amount - max4,000
Reason for variation
Appears on Repayment Sched?No
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?
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 deposit
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
Subsequent loan disbursement to the group only made after all members have completed paying their loans. The minimum loan size per member is TZS 5,/=\r

Full Pricing Data

Group Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountTZS 100,000TZS 250,000TZS 500,000TZS 1,000,000TZS 2,000,000TZS 3,000,000
Loan Cycle (1, 2, 3, etc)214444
Disbursement Date2013-01-162013-01-162013-02-112013-02-202013-01-172013-01-31
Loan Term (Months)3.7 months3.7 months3.7 months11.2 months11.2 months11.2 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component97.7%81.6%76.4%69.3%68.8%69.8%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component52.9%43.7%40.7%31.3%31.1%32.0%
Full APR (int fee ins tax dep)150.6%125.3%117.1%100.6%99.9%101.7%
Transparency Index242931363635
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Group Loan Price Graphs


Institution # Borrowers Portfolio (US$) Products Age of Data
ACLEDA235,200215,086,0006137
AMK288,20063,784,00016109
AMRET299,500149,542,0008109
Chamroeun48,1007,480,000489
Farmer Finance200407,0001109
First Finance5005,819,0001109
HKL73,40093,842,0003109
KREDIT61,80059,319,0009109
Maxima2,9003,179,0003109
PRASAC138,500251,931,0009109
Seilanithih15,2007,516,0005109
SPN35,10029,828,0006109
TPC120,00045,931,00013109
VF Cambodia148,60048,984,00018109
Caps / Zoom options
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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