| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.celim.it/ |
| Year established | 2008 |
| Head of Institution | Elisa Morrone |
| Regions active | |
| # Branches | 2 |
| Total Portfolio (nat'l) | ZMK 2,360,550,702 |
| Total Portfolio (USD) | USD 456,145.06 |
| Active clients with loans | 1,559 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Amiz, Mix Market |
| Funders | Rural Finance Programme/IFAD, European Union, CeLIM NGO |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Input Loan | ZMK 2,000,000 - 6,000,000 | 10 - 11 | 20% - 40% | 0% - 20% | Business, Agriculture | Women, Men, Small scale farmers, minimum one hectare | Business Training, Microcredit Scheme | |||||||
| Individual Loan | ZMK 500,000 - 7,000,000 | 4 - 12 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Credit Ins, Household Approach, Monthly follow up of clients | |||||||
| Salary Backed Loan | ZMK 500,000 - 7,000,000 | 2 - 10 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Salaried worker | ||||||||
| Solidarity Group Loan | ZMK 400,000 - 1,200,000 | 4 - 10 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | Record Keeping Training, Household Approach Training, Monthly Monitoring |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Input Loan | 42.0% annual, Flat | 0 Fees | 1 Ins | None | N/A | 56.6% - 56.8% | 64.4% - 64.6% | 65 | ||||||||
| Individual Loan | 48.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 69.7% - 82.9% | 69.7% - 82.9% | 62 | ||||||||
| Salary Backed Loan | 30.0%-42.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 48.9% - 50.6% | 48.9% - 50.6% | 60 | ||||||||
| Solidarity Group Loan | 42.0%-60.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 68.6% - 96% | 68.6% - 96% | 50 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| ACSI | 682,200 | 103,172,000 | 5 | 143 |
| ADCSI | 176,100 | 30,846,000 | 2 | 144 |
| BG | 47,000 | 4,048,000 | 4 | 143 |
| DECSI | 361,000 | 96,304,000 | 7 | 143 |
| Dire | 4,900 | 828,000 | 4 | 143 |
| DMCPSC | 1,200 | 69,000 | 1 | 143 |
| Eshet | 18,800 | 2,392,000 | 3 | 143 |
| Harbu | 22,400 | 1,757,000 | 2 | 143 |
| Meklit | 12,200 | 1,395,000 | 4 | 143 |
| Metemamen | 10,500 | 650,000 | 6 | 143 |
| OCSSCO | 502,700 | 69,565,000 | 3 | 143 |
| OMO | 323,600 | 31,385,000 | 4 | 143 |
| PEACE | 17,200 | 2,462,000 | 3 | 143 |
| SFPI | 33,600 | 2,750,000 | 3 | 143 |
| Sidama | 53,400 | 1,162,000 | 6 | 143 |
| Wasasa | 49,300 | 5,798,000 | 4 | 143 |
| Wisdom MFI | 45,300 | 5,500,000 | 6 | 140 |
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