Institution # Borrowers Portfolio (US$) Products Age of Data
ACSI682,200103,172,000599
ADCSI176,10030,846,0002100
BG47,0004,048,000499
DECSI361,00096,304,000799
Dire4,900828,000499
DMCPSC1,20069,000199
Eshet18,8002,392,000399
Harbu22,4001,757,000299
Meklit12,2001,395,000499
Metemamen10,500650,000699
OCSSCO502,70069,565,000399
OMO323,60031,385,000499
PEACE17,2002,462,000399
SFPI33,6002,750,000399
Sidama53,4001,162,000699
Wasasa49,3005,798,000499
Wisdom MFI45,3005,500,000696
Please note that the information you are viewing is 82 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Caixa Comunitaria de Microfinancas Av. Das FPLM,832ICB e Loja de PeasMaputo
Data approved: 2013-05-09
Data version: 2
Age of data: 82 months

Product

Credito Individual Product 2 of 6 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 3,594,878.24
Portfolio (USD)USD 118,252.57
Active Clients with Loans162
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Credito para pessoas individuais com negocio estabelecido,que geralmente e ja cliente antigo da Instituicao
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution4
# Regions for this product4
Regions ActiveMaputo Capital, Maputo Province, Gaza, Cabo Delgado

Loan Conditions

Loan Amount
CurrencyMZN
Minimum loan sizeMZN 10,000
Maximum loan size100,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average8.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest4.50%
Highest quoted nominal interest4.50%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCobertura de despesas administrativas
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionRelativo a cobertura em caso de falecimento
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited12.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Credito Individual samples
Sample 1Sample 2Sample 3
Loan AmountMZN 15,000MZN 30,000MZN 40,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-05-222013-04-172013-05-03
Loan Term (Months)7.0 months10.0 months10.0 months
Grace Period (Months)0.1 months0.0 months0.0 months
Total Cost of CreditMZN 3,000MZN 8,025MZN 10,700
True Price by Comp     
Interest price component50.1%49.6%49.3%
Fee Component3.2%2.3%2.3%
Insurance Component3.1%2.4%2.3%
Tax Component0.0%0.0%0.0%
Deposit Component13.2%12.7%12.5%
Full APR (int fee ins tax dep)69.6%67.0%66.4%
Transparency Index788181
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Credito Individual Price Graphs


Caps / Zoom options
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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