Please note that the information you are viewing is 121 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
Please note that the information you are viewing is 92 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

CETZAM Financial Services PLC CETZAM HousePrivate Bag E760Lusaka10101
Data approved: 2011-12-12
Data version: 1
Age of data: 121 months

Institution

Fanikiwa Microfinance Company Limited Head OfficeDar Es SalaamPO Box 8695
Data approved: 2013-03-13
Data version: 2
Age of data: 92 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addressN/A
Year established1996
Head of InstitutionDyson Mandivenga
Regions active
# Branches5

Total Portfolio (nat'l)ZMK 15,315,329,318
Total Portfolio (USD)USD 2,959,483.93
Active clients with loans6,399
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsAMIZ, Opportunity International Network, AMT, INAFI
FundersDevelopment Aid from People to People (DAPP), HIVOS

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?No
Website addressN/A
Year established2010
Head of InstitutionThaddeo W. Mashera
Regions activeArusha, Dar es Salaam, Mwanza
# Branches5

Total Portfolio (nat'l)TZS 800,400,221
Total Portfolio (USD)USD 503,396.37
Active clients with loans1,538
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsTAMFI
FundersGatsby Charity Fund, Tanzania Gatsby Trust

Loan Products » Summary

527 Borrowers
USD 102,699.48 Portfolio
Active Product
1,909 Borrowers
USD 1,635,389.80 Portfolio
Active Product
2,729 Borrowers
USD 444,139.75 Portfolio
Active Product
1,548 Borrowers
USD 28,206.06 Portfolio
Active Product

Loan Products » Summary

1,342 Borrowers
USD 203,557.23 Portfolio
Active Product
121 Borrowers
USD 134,973.11 Portfolio
Active Product
25 Borrowers
USD 8,426.32 Portfolio
Low Volume Product
18 Borrowers
USD 2,277.72 Portfolio
Low Volume Product
SME
2 Borrowers
USD 22,012.55 Portfolio
Low Volume Product
30 Borrowers
USD 21,619.50 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan ZMK 800,000 - 2,000,000 3 - 6 60% - 80% 0% - 20% Business, Agriculture activities Women, Men, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Individual Loan ZMK 2,000,000 - 250,000,000 3 - 24 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training
Solidarity Group Loan ZMK 1,000,000 - 5,000,000 3 - 10 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Tech Asst Visits
Trust Bank Loan ZMK 50,000 - 1,500,000 4 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Jamii Loan TZS 50,000 - 2,000,000 3 - 12 60% - 80% 20% - 40% Business Women, Men, Have business Business Training
Personal Loan TZS 1,000,000 - 10,000,000 6 - 24 40% - 60% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 48.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 63.8% - 64.2% 73.5% - 74% 65
Individual Loan 60.0%-78.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 138.3% - 141.3% 167.4% - 177.5% 34
Solidarity Group Loan 72.0%-78.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 138.1% - 143.8% 165.7% - 171.5% 42
Trust Bank Loan 60.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 179.3% - 198% 213.7% - 243.9% 26

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Jamii Loan 30.00% annual, Flat 2 Fees 1 Ins None 10.00% upfront 53.3% - 59.1% 68.7% - 75.8% 41
Personal Loan 24.00% annual, Flat 2 Fees 1 Ins None 15.00% upfront 42.8% - 47.5% 57.5% - 66.4% 38

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 48.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 63.8% - 64.2% 73.5% - 74% 65
Individual Loan 60.0%-78.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 138.3% - 141.3% 167.4% - 177.5% 34
Solidarity Group Loan 72.0%-78.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 138.1% - 143.8% 165.7% - 171.5% 42
Trust Bank Loan 60.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 179.3% - 198% 213.7% - 243.9% 26

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Jamii Loan 30.00% annual, Flat 2 Fees 1 Ins Ins None 10.00% upfront 53.3% - 59.1% 68.7% - 75.8% 41
Personal Loan 24.00% annual, Flat 2 Fees 1 Ins Ins None 15.00% upfront 42.8% - 47.5% 57.5% - 66.4% 38
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