| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | Yes |
| Website address | http://www.coopfatima.com/ |
| Year established | 1962 |
| Head of Institution | OSCAR MANUEL CORONADO ESPINOZA |
| Regions active | |
| # Branches | 5 |
| Total Portfolio (nat'l) | BOB 259,281,693 |
| Total Portfolio (USD) | USD 38,412,102.67 |
| Active clients with loans | 5,240 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | Nacional |
| Funders |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.amssfmc.ma |
| Year established | 1994 |
| Head of Institution | Zakaria Jebbouri |
| Regions active | Tangier-Tétouan, East and the Rif, Fes-Meknes, Rabat-Sale-Kenitra, Beni Mellal-Khenifra |
| # Branches | 49 |
| Total Portfolio (nat'l) | MAD 44,000,000 |
| Total Portfolio (USD) | USD 5,176,470.59 |
| Active clients with loans | 13,300 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Federation Nationale des Association des Micro credit, Reseau Micro Finance Solidaire, AMT, Reseau Sanabel |
| Funders | Fonds Jaida, ICO, SGMB banque, Credit Agricole |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito Oro (Bs) | BOB 70,000 - 70,000 | 60 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Have business, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| CREDITO A SOLA FIRMA | BOB 35,000 - 75,000 | 36 - 60 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL | BOB 7,000 - 63,000 | 36 - 60 | 40% - 60% | 20% - 40% | Any Purpose | Women, Men, Have business, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA | USD 1,000 - 50,000 | 24 - 96 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Have business, Have home or land, Salaried worker, Specific age group | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| Diamante - USD | USD 1,001 - 15,000 | 60 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| Garantía Cruzada (Bs.) | BOB 7,000 - 35,000 | 36 - 60 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Salaried worker, Specific age group | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| HIPOTECARIO DE VIVIENDA | USD 10,000 - 140,000 | 120 - 180 | 0% - 20% | 80% - 100% | Business, Housing | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Produit Solidaire | MAD 500 - 15,000 | 3 - 18 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business | Group Mtgs, Other Training | |||||||
| Produit Investissement | MAD 3,000 - 30,000 | 6 - 30 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business | ||||||||
| Produit Logement | MAD 3,000 - 30,000 | 3 - 30 | 80% - 100% | 80% - 100% | Business | Women, Men, Have business, Have home or land | ||||||||
| Produit Elevage | MAD 3,000 - 30,000 | 6 - 18 | 0% - 20% | 0% | Business | Women, Men | ||||||||
| Produit Fellah | MAD 3,000 - 25,000 | 4 - 6 | 0% - 20% | 0% - 20% | Business | Women, Men |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito Oro (Bs) | 16.0% annual, Decl Bal | 1 Fee | 0 Ins | 24.00 fixed | 50.00 upfront | 16.9% | 17.6% | 91 | ||||||||
| CREDITO A SOLA FIRMA | 18.0% annual, Decl Bal | 1 Fee | 0 Ins | 24.00 fixed | 50.00 upfront | 19% - 19.3% | 19.7% - 20.5% | 90 | ||||||||
| DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL | 16.0%-18.0% annual, Decl Bal | 1 Fee | 0 Ins | 24.00 fixed | 50.00 upfront | 16.9% - 19% | 17.7% - 25.9% | 74 | ||||||||
| DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA | 13.0%-15.0% annual, Decl Bal | 2 Fees | 0 Ins | 3.00 fixed | 10.00 upfront | 13.9% - 15.9% | 14.4% - 22.5% | 75 | ||||||||
| Diamante - USD | 16.0% annual, Decl Bal | 1 Fee | 0 Ins | 3.00 fixed | 10.0% upfront | 16.9% - 17% | 17.3% - 17.4% | 92 | ||||||||
| Garantía Cruzada (Bs.) | 18.0%-20.0% annual, Decl Bal | 1 Fee | 0 Ins | 24.00 fixed | 50.00 upfront | 20.7% - 21% | 23.9% - 27.8% | 71 | ||||||||
| HIPOTECARIO DE VIVIENDA | 10.0%-13.0% annual, Decl Bal | 2 Fees | 0 Ins | 3.00 fixed | N/A | 13.2% - 13.9% | 14.2% - 14.4% | 70 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Produit Solidaire | 19.2%-24.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 40% - 49.6% | 40% - 49.6% | 41 | ||||||||
| Produit Investissement | 18.0%-24.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 35.3% - 50% | 35.3% - 50% | 42 | ||||||||
| Produit Logement | 18.0%-24.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 37% - 49.4% | 37% - 49.4% | 41 | ||||||||
| Produit Elevage | 24.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 29.6% - 30.7% | 29.6% - 30.7% | 79 | ||||||||
| Produit Fellah | 26.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 31.3% - 32.9% | 31.3% - 32.9% | 81 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito Oro (Bs) | 16.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 24.00 fixed | 50.00 upfront | 16.9% | 17.6% | 91 | ||||||||
| CREDITO A SOLA FIRMA | 18.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 24.00 fixed | 50.00 upfront | 19% - 19.3% | 19.7% - 20.5% | 90 | ||||||||
| DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL | 16.0%-18.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 24.00 fixed | 50.00 upfront | 16.9% - 19% | 17.7% - 25.9% | 74 | ||||||||
| DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA | 13.0%-15.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | 3.00 fixed | 10.00 upfront | 13.9% - 15.9% | 14.4% - 22.5% | 75 | ||||||||
| Diamante - USD | 16.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 3.00 fixed | 10.0% upfront | 16.9% - 17% | 17.3% - 17.4% | 92 | ||||||||
| Garantía Cruzada (Bs.) | 18.0%-20.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 24.00 fixed | 50.00 upfront | 20.7% - 21% | 23.9% - 27.8% | 71 | ||||||||
| HIPOTECARIO DE VIVIENDA | 10.0%-13.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | 3.00 fixed | N/A | 13.2% - 13.9% | 14.2% - 14.4% | 70 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Produit Solidaire | 19.2%-24.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 40% - 49.6% | 40% - 49.6% | 41 | ||||||||
| Produit Investissement | 18.0%-24.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 35.3% - 50% | 35.3% - 50% | 42 | ||||||||
| Produit Logement | 18.0%-24.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 37% - 49.4% | 37% - 49.4% | 41 | ||||||||
| Produit Elevage | 24.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 29.6% - 30.7% | 29.6% - 30.7% | 79 | ||||||||
| Produit Fellah | 26.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 31.3% - 32.9% | 31.3% - 32.9% | 81 |
| Key Statistics | |
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| % Products with one or more insurances | |
| % Products with compulsory deposits |
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