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Transparent Pricing In Mozambique

Please note that MFTransparency is no longer collecting new pricing data. The data displayed for this country is for historical purposes only and does not represent current products or prices in the country. Note that the age of the information for each MFI is indicated in the table below.

The Transparent Pricing Initiative in Mozambique has published standardized pricing data from 10 microfinance providers, representing the vast majority of Mozambique’s microloan borrowers. Launched in 2011 the Initiative is delivered in partnership with Planet Rating and the  Association of Mozambique Microfinance Institutions (AMOMIF), and is funded by the MasterCard Foundation.

Microfinance in Mozambique Truth-in-Lending Legislation Mozambique Price Graph

The price graph presented below shows the prices of all the microloan products in the Mozambique dataset. Each data-point represents a real loan given to a real borrower, calculated using original loan documentation from the institution. The color of the data-point correlates with the Transparency Index of the sample. The interactive legend beneath the graph can be used to change the graph axis and labels. Try the custom feature to see price correlations with attributes such as loan purpose, institution type, loan term and percent of gross national income.

0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankNGOInstitution TypeAgricultureAnyBusinessMultipleLoan PurposeACAWEAZADERAfricaWorksBOMCCOMFDMHluvuku-ADSEMAInstitutionMZ-001-V03-P02MZ-002-V01-P01MZ-002-V01-P02MZ-003-V01-P01MZ-003-V01-P02MZ-005-V02-P01MZ-005-V02-P02MZ-005-V02-P03MZ-008-V02-P01MZ-008-V02-P02MZ-008-V02-P03MZ-008-V02-P04MZ-008-V02-P05MZ-008-V02-P06MZ-009-V02-P01MZ-009-V02-P02MZ-009-V02-P03MZ-009-V02-P04MZ-010-V02-P01MZ-010-V02-P02MZ-010-V02-P03ProductMZCountry201220132015YearRange Number123Institution Data Version020,00040,00060,000Loan Size (all)0%50%100%150%200%Full APR (int fee ins tax dep)> 1,7001,20080040040Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.

Data from the Transparent Pricing Initiative shows that the products designed for business purposes are the most common type of product in the Mozambique microfinance market. The most commonly used lending methodology employed by the participating institutions were solidarity group lending,  followed by individual lending. The most common services linked to loan products were credit education and business training.

Interest rate variations within loan products were found in more than half of the products analysed. The most frequently cited reasons for these differences were due to the purpose of the loan, the branch office location and the size of the loan. An encouraging trend observed in the Mozambique microfinance market is the increasing use of the declining balance interest rate calculation method, 68% of the products analysed employed this method to calculate the price of the loan.

 

Mozambique Institutions

Institution# BorrowersPortfolio (US$)ProductsTransp. IndexParticipating SinceAge of Data
ACAWE10016,0002972012-Jan161 mos.
AfricaWorks6,5001,843,0008552012-Feb122 mos.
AZADER2003,0002422011-Dec162 mos.
BOM18,9006,422,0003852012-Jan131 mos.
CCOM9,1002,995,0006542012-Jan146 mos.
FDM7,2001,002,0004682012-Jan146 mos.
Hluvuku-ADSEMA5,3002,959,00031022012-Jan146 mos.
IRAM000N/A2012-Jan146 mos.
ProCredit000N/A2012-Jan146 mos.
Tchuma000N/A2012-Jan146 mos.
SOCREMON/AN/ADeclined -
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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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