| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.acbtz.com |
| Year established | 1997 |
| Head of Institution | John Lwande |
| Regions active | Arusha, Dar es Salaam, Dodoma, Kilimanjaro |
| # Branches | 16 |
| Total Portfolio (nat'l) | TZS 63,080,526,795 |
| Total Portfolio (USD) | USD 39,673,287.29 |
| Active clients with loans | 27,490 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 100% |
| Network affiliations | Tanzania Association For Microfinance Institutions-TAMFI |
| Funders | ACCION International, SIDI, Stichting Hivos-Triodos Fonds, INCOFIN CVSO, Parastatal Pension Funds (PPF) |
| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | Yes |
| Website address | http://[email protected] |
| Year established | 2002 |
| Head of Institution | Pascal Simbizi Manzi |
| Regions active | Kicukiro |
| # Branches | 0 |
| Total Portfolio (nat'l) | RWF 78,400,272 |
| Total Portfolio (USD) | USD 124,444.88 |
| Active clients with loans | 253 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Biashara Loans ( Individual) | TZS 500,000 - 50,000,000 | 3 - 24 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business, Specific age group | Credit Ins | |||||||
| Solidarity Group Loans | TZS 200,000 - 3,000,000 | 3 - 12 | 60% - 80% | 100% | Business | Women, Men, Have business, Specific age group | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Consumer Loans | TZS 100,000 - 35,000,000 | 6 - 36 | 20% - 40% | 100% | Any Purpose | Women, Men, Salaried worker, Specific age group | Credit Ins | |||||||
| Home Improvement Loans | TZS 500,000 - 20,000,000 | 3 - 12 | 40% - 60% | 100% | For house renovation purpose | Women, Men, Have business, Have home or land, Specific age group | Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | RWF 100,000 - 600,000 | 6 - 12 | 40% - 60% | 60% - 80% | Business, Housing, Consumer, Education | Women, Men | Credit Educ, Group Mtgs, Tech Asst Visits | |||||||
| Individual Loan | RWF 100,000 - 1,600,000 | 1 - 24 | 40% - 60% | 80% - 100% | Business, Housing, Consumer, Education | Women, Men, Have business, Must own a guarantee | Credit Educ, Credit Ins, Tech Asst Visits, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Biashara Loans ( Individual) | 20.0%-22.0% annual, Flat | 2 Fees | 1 Ins | None | N/A | 40.1% - 46.7% | 42% - 50.4% | 45 | ||||||||
| Solidarity Group Loans | 27.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront | 47.2% - 47.6% | 72% - 74.5% | 36 | ||||||||
| Consumer Loans | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 30.9% - 44.7% | 32.2% - 57.5% | 48 | ||||||||
| Home Improvement Loans | 19.5% annual, Flat | 2 Fees | 1 Ins | None | N/A | 36% - 37.6% | 38% - 39.6% | 50 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 24.00% annual, Flat | 2 Fees | 0 Ins | None | 10.00% upfront | 46.9% - 49% | 55.9% - 58.5% | 42 | ||||||||
| Individual Loan | 24.00% annual, Flat | 2 Fees | 0 Ins | None | 10.00% upfront | 46.8% - 49.9% | 55.8% - 59.5% | 42 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Biashara Loans ( Individual) | 20.0%-22.0% annual, Flat | 2 Fees | 1 Ins Ins | None | N/A | 40.1% - 46.7% | 42% - 50.4% | 45 | ||||||||
| Solidarity Group Loans | 27.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.0% upfront | 47.2% - 47.6% | 72% - 74.5% | 36 | ||||||||
| Consumer Loans | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 30.9% - 44.7% | 32.2% - 57.5% | 48 | ||||||||
| Home Improvement Loans | 19.5% annual, Flat | 2 Fees | 1 Ins Ins | None | N/A | 36% - 37.6% | 38% - 39.6% | 50 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 24.00% annual, Flat | 2 Fees | 0 Ins Ins | None | 10.00% upfront | 46.9% - 49% | 55.9% - 58.5% | 42 | ||||||||
| Individual Loan | 24.00% annual, Flat | 2 Fees | 0 Ins Ins | None | 10.00% upfront | 46.8% - 49.9% | 55.8% - 59.5% | 42 |
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