Institution # Borrowers Portfolio (US$) Products Age of Data
ACSI682,200103,172,000597
ADCSI176,10030,846,000298
BG47,0004,048,000497
DECSI361,00096,304,000797
Dire4,900828,000497
DMCPSC1,20069,000197
Eshet18,8002,392,000397
Harbu22,4001,757,000297
Meklit12,2001,395,000497
Metemamen10,500650,000697
OCSSCO502,70069,565,000397
OMO323,60031,385,000497
PEACE17,2002,462,000397
SFPI33,6002,750,000397
Sidama53,4001,162,000697
Wasasa49,3005,798,000497
Wisdom MFI45,3005,500,000694
Please note that the information you are viewing is 81 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: 81 months
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Product

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Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 4,091,456
Portfolio (USD)USD 134,587.37
Active Clients with Loans621
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Credito para apoiar pessoas de baixa renda adquirirem bens, constucao de habitacao
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
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, Inhambane, Gaza

Loan Conditions

Loan Amount
CurrencyMZN
Minimum loan sizeMZN 3,000
Maximum loan size350,000
Distribution at Disbursement (Est.)
Loans less than MZN 5,00020%
MZN 5,000-10,00050%
MZN 10,000-20,00020%
MZN 20,000-40,00010%
MZN 40,000-60,0000
Greater than MZN 60,0000
Loan Term and Grace Period
Shortest loan term2.0 months
Longest loan term18.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less20%
Between 4 and 6 months20%
Between 7 and 9 months20%
Between 10 and 12 months20%
Between 13 and 18 months20%
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period1.0 month
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 interest5.00%
Highest quoted nominal interest5.50%
Reason(s) why interest rate variesLoan Size
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionEmolumentos
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min25
Fixed amount - max25
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionSeguro do Credito para caso de morte
% 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?Yes
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited10.00%
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 ao Consumo samples
Sample 1Sample 2Sample 5
Loan AmountMZN 3,000MZN 8,000MZN 45,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-05-022013-04-222013-04-20
Loan Term (Months)3.3 months4.7 months2.0 months
Grace Period (Months)0.3 months0.6 months0.0 months
Total Cost of CreditMZN 505MZN 1,705MZN 4,975
True Price by Comp     
Interest price component74.3%71.2%77.0%
Fee Component4.5%1.2%0.4%
Insurance Component5.5%4.0%8.2%
Tax Component0.0%0.0%0.0%
Deposit Component3.4%3.2%2.8%
Full APR (int fee ins tax dep)87.7%79.6%88.4%
Transparency Index687568
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Credito ao Consumo 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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