Institution # Borrowers Portfolio (US$) Products Age of Data
ACSI682,200103,172,0005101
ADCSI176,10030,846,0002102
BG47,0004,048,0004101
DECSI361,00096,304,0007101
Dire4,900828,0004101
DMCPSC1,20069,0001101
Eshet18,8002,392,0003101
Harbu22,4001,757,0002101
Meklit12,2001,395,0004101
Metemamen10,500650,0006101
OCSSCO502,70069,565,0003101
OMO323,60031,385,0004101
PEACE17,2002,462,0003101
SFPI33,6002,750,0003101
Sidama53,4001,162,0006101
Wasasa49,3005,798,0004101
Wisdom MFI45,3005,500,000698
Please note that the information you are viewing is 85 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: 85 months

Product

Grupo Solidario Pequeno Grupo Micronegocios Product 4 of 6 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 29,947,631.17
Portfolio (USD)USD 985,119.45
Active Clients with Loans4,878
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Para grupos de cerca de 5 pessoas com negocios
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried worker
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 4,000
Maximum loan size50,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average6.0 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?Yes
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 deposited33.33%
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

Grupo Solidario Pequeno Grupo Micronegocios samples
Sample 3Sample 4Sample 5
Loan AmountMZN 15,000MZN 30,000MZN 42,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-05-272013-04-162013-04-23
Loan Term (Months)6.0 months6.0 months6.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditMZN 2,662MZN 5,325MZN 7,455
True Price by Comp     
Interest price component50.4%50.9%50.9%
Fee Component3.5%3.6%3.6%
Insurance Component3.6%3.6%3.6%
Tax Component0.0%0.0%0.0%
Deposit Component59.0%60.0%60.0%
Full APR (int fee ins tax dep)116.5%118.1%118.1%
Transparency Index464646
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Grupo Solidario Pequeno Grupo Micronegocios 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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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