The Annual Percentage Rate of Charge (APRC) reflects the total cost of the loan, including the interest rate, fees, and other mandatory charges. For example, for a loan of TJS 10,000 with a 12-month term, an annual interest rate of 30%, and a 1% fee, the total amount payable would be approximately TJS 11,700–11,800, while the APRC would range from 35% to 37% per annum, depending on the applicable terms and conditions. This calculation is provided for illustrative purposes only. The interest rate and applicable fees are determined individually. Interest is accrued on the outstanding loan balance.