BRAC Tanzania

BTFL is to increase access to a wide range of financial services by the majority of Tanzanians with a particular emphasis on women who have been left out by the mainstream financial system. We are providing financial service to low-income people.

Product Overview & Scale

  • Fsp NameBRAC Tanzania
  • Fsp ID101873
  • As of Date12/31/18
  • CurrencyUSD
  • Product NameGeneral Loan ( Solidarity group)
  • CountryTanzania
  • Total Clients Bracket100,000- 500,000
  • Product Clients Bracket100,000- 250,000
  • Number of Product Clients165,520
  • Percent of Total Clients that are Product Clients97%
  • Average Loan Size Per Client305
  • Average Loan Size Per Client305

Financial Structure & Pricing

  • loan or product structure is flexibleTRUE
  • loan or product structure is flexible if yes describeWe have 20 weeks and 40 weeks loan duration.
  • repayment structure is flexibleFALSE
  • loan or product term covers growing seasonFALSE
  • grace period offeredTRUE
  • grace period offered if yes describeWe give 7days
  • group or individual loanGroup
  • apr25%
  • average loan processing time days15
  • if flat rate whyYes; because of easy operation, convenient to make clients understand
  • is apr or other transparent pricing communicated to clientsTRUE
  • is apr or other transparent pricing communicated to clients if yes describeIt is clear written in the contract paper and Community Organizer also make the pitches in the group meeting to make clients informed.
  • type of primary insurance productNone
  • type of transactional productCash collection
  • annualized repayment rate of the product98- 100%

Value Chain Support

  • inputs assets services are readily availableFALSE
  • inputs assets services are available at time demanded by clientFALSE
  • inputs assets services available within reasonable distance of clientFALSE
  • inputs assets services are of good qualityFALSE
  • type of inputs offeredN/A
  • informal management services providedFALSE
  • formal programs in place for post harvest managementFALSE
  • if yes to above do over 50 of clients use service programFALSE
  • informal linkages exist between clients and buyers producersFALSE
  • formal linkages exist between clients and buyers producersFALSE
  • guaranteed market opportunities exist for clientsFALSE
  • if yes to above do over 50 of clients use the service programFALSE

Training

  • agricultural training available to clientsFALSE
  • agricultural training available to clients using formal curriculumFALSE
  • multiple agricultural trainings delivered during product cycleFALSE
  • organization does quality checks on trainingsFALSE
  • financial literacy training takes places yes noFALSE
  • classroom theoretical training offered by administering partyFALSE
  • training engages clients in participatory learning with additional materialsFALSE
  • training is offered in a convenient location for clientsFALSE

Measuring Impact

  • regular measurement of farmer yields takes placeFALSE
  • formal measurement with strong control groupFALSE
  • rct or other academic quality work done to verify resultsFALSE
  • measurement of change to profit income or poverty reduction takes placeFALSE
  • using methodical process over time to measure changeFALSE