- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Banco Solidario	79,700	221,716,000	1	164
CEPESIU	2,000	939,000	4	164
COAC 4 Octubre	2,200	5,771,000	2	164
COAC Ambato	1,300	16,415,000	2	164
COAC FondVida	2,500	4,200,000	4	164
COAC LaBenefica	2,500	8,482,000	6	164
COAC MCCH	5,300	10,020,000	2	164
COAC Nacional	30,700	27,129,000	2	164
COAC San José	10,400	29,133,000	5	164
COAC SanAntonio	1,000	2,384,000	3	164
COAC SantaAnita	2,000	2,532,000	6	164
Codesarrollo	14,400	40,328,000	7	164
Coop San Miguel	1,800	4,754,000	5	161
CooP VPR	700	1,052,000	4	164
Cooprogreso	7,900	32,244,000	4	164
Credi Fe	100,900	380,039,000	4	164
D^Miro	36,900	27,692,000	9	157
DECOF	2,200	705,000	2	164
Espoir	62,100	21,036,000	5	164
FODEMI	28,200	12,924,000	3	164
Fundacion Alternativa	4,300	5,545,000	2	164
FUNDAMIC	2,000	1,468,000	2	164
INSOTEC	7,000	6,047,000	4	164
Luz del Valle	6,400	11,300,000	3	164
ProCredit	43,800	211,941,000	2	164
PS Ambato	5,600	2,771,000	1	164

Please note that the information you are viewing is 134 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Fundo de Desenvolvimento da Mulher Estrada Nacional Numero 1 Fidel CastroXai-Xai, Gaza

Data approved: 2013-05-22

Data version: 2

Age of data: 134 months

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Product

Credito Agricultura Product 1 of 4 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (MZN)	MZN 7,521,548
Portfolio (USD)	USD 247,419.34
Active Clients with Loans	1,645
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	0% - 20%

Methodology

Individual	x
Solidarity group	x
Village banking
Self help group
Other

Description

Credito concedido para fins agricolas

Loan Purpose

Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture	x
Education
Other household finance
Other
Other (2)

Included Services

Credit education
Group meetings	x
Credit insurance
Workplace visits	x
Business training
Other training
Other
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land
Must be a salaried worker
Must be specific age group
Other	Tem de ser agricultor/avicultor desde min 6 meses
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	4
# Regions for this product	3
Regions Active	Maputo Province, Inhambane, Gaza

Loan Conditions

Loan Amount

Currency	MZN
Minimum loan size	MZN 640
Maximum loan size	100,000

Distribution at Disbursement (Est.)

Loans less than MZN 5,000	10%
MZN 5,000-10,000	50%
MZN 10,000-20,000	20%
MZN 20,000-40,000	20%
MZN 40,000-60,000	0
Greater than MZN 60,000	0

Loan Term and Grace Period

Shortest loan term	2.0 months
Longest loan term	6.0 months
Approx average	3.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	50%
Between 4 and 6 months	50%
Between 7 and 9 months	0
Between 10 and 12 months	0
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	100%
Average grace period	1.0 month

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly	x
Every 6 months
Every 12 months
Single end payment	x
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	3.00%
Highest quoted nominal interest	3.00%
Interest rate period	Monthly
Interest Rate Calculation Method	Flat
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Taxa Administrativa
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	25
Fixed amount - max	25
Reason for variation	N/A
Appears on Repayment Sched?	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Seguro do Credito para caso de morte
% of loan amount - min	1.00%
% of loan amount - max	1.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	No

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?	Yes
Do borrowers control deposit in their group?	Yes

Deposit BEFORE or AT Disbursement

% loan amount deposited	0
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	10.00%
or, Fixed-amount deposited	0
Conditions on access to deposit	End Term

Interest Paid on Deposit

Minimum interest rate paid	0
Maximum interest rate paid	0
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Credito Agricultura samples

	Sample 1	Sample 2	Sample 3	Sample 4
Loan Amount	MZN 3,000	MZN 4,600	MZN 8,200	MZN 12,920
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2013-05-10	2013-05-10	2013-04-10	2013-04-20
Loan Term (Months)	3.1 months	3.1 months	2.0 months	3.0 months
Grace Period (Months)	0.1 months	0.1 months	0.0 months	0.0 months
Total Cost of Credit	MZN 325	MZN 485	MZN 599	MZN 1,317
True Price by Comp
Interest price component	34.2%	34.2%	34.9%	34.6%
Fee Component	3.3%	2.2%	1.8%	0.8%
Insurance Component	4.1%	4.0%	6.1%	4.0%
Tax Component	0.0%	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	41.6%	40.4%	42.8%	39.4%
Transparency Index	87	89	84	91

Original Repayment Schedule	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF

Credito Agricultura Price Graphs

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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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
Std Dev

By Inst Type


By Country

	X Axis
	Greater than:
	Less or equal to:
	From 0 to
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Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Credito Agricultura samples

Credito Agricultura Price Graphs

Total Borrowers of Samples

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