- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Adhikar	35,300	2,674,000	1	132
AMPL	0	0	0	132
Arman	41,500	529,107,000	1	132
Arohan	43,500	8,091,000	2	132
ASA INDIA	164,000	15,380,000	1	132
Asirvad	113,500	19,328,000	1	132
Asmitha	1,114,800	217,867,000	1	132
Bandhan	4,048,600	674,564,000	5	132
Belstar	123,000	23,945,000	2	111
BSFL	275,200	31,590,000	3	132
Chaitanya	20,700	3,748,000	3	132
Disha Microfin	69,000	14,332,000	2	132
Equitas	1,220,000	186,415,000	4	132
ESAF	354,200	43,500,000	5	132
FFSL	150,600	35,719,000	2	132
Fusion	66,800	9,820,000	2	132
Grama Vidiyal	738,200	102,101,000	1	132
Grameen Koota	586,600	83,555,000	15	134
Janalakshmi	506,000	119,077,000	2	132
L & T Finance	399,800	37,199,000	1	132
MFL	331,800	49,083,000	1	132
MMFL	175,000	23,752,000	2	132
Mpower	13,600	2,263,000	2	132
Sahayata	0	0	0	132
Saija	24,700	4,682,000	2	132
Samasta	45,500	4,809,000	2	132
Satin	405,600	90,174,000	2	132
SCCI	115,600	15,910,000	2	132
Share	2,195,400	376,727,000	1	132
SKS	3,409,000	355,029,000	2	132
SMILE	360,200	56,927,000	1	132
SNFL	9,400	1,779,000	1	132
Sonata Finance	158,200	22,724,000	3	134
Spandana	533,400	147,240,000	2	132
Suryoday	78,600	14,713,000	3	132
SVCL	118,200	18,886,000	1	132
Swadhaar	92,800	17,166,000	3	132
Trident	68,700	8,852,000	1	132
Ujjivan	913,300	160,848,000	5	132
Utkarsh	168,600	25,915,000	3	132
VFS	175,400	19,264,000	2	132
Asomi	50,300	4,743,000	2	164
AES India	3,600	286,000	1	164
Arth	2,900	611,000	2	164
Asomi	50,300	4,743,000	2	164
Barasat GS	1,100	99,508.02	1	164
BJS	6,000	468,000	1	164
Cashpor	417,000	50,452,000	1	163
Credible	10,000	1,669,540.36	2	164
DIBAKAR	1,800	145,000	1	163
GOF	65,200	5,388,000	4	163
Hope	62,600	4,407,000	1	161
Jaago	2,700	237,000	1	162
LOK	4,900	573,000	1	163
Nano	25,600	3,660,000	2	164
NBSAAVS	28,100	2,821,000	1	161
Nirantara	8,200	917,000	2	163
Parama	7,100	482,000	1	163
Pragathi	26,200	4,579,000	6	163
PWMACS	36,500	5,946,000	1	163
Saadhana	90,900	12,046,000	2	163
Sambhav	1,500	183,000	3	163
Seba Rahara	6,700	468,000	1	163
SU	61,100	5,498,000	1	163
Swayanshree	7,900	918,000	2	163
Vikas Samiti	1,600	168,000	1	163
Vistaar	4,300	1,157,000	2	161
We The People	1,100	244,000	2	163
WEMCS	1,100	85,000	1	163
Yukti	1,100	99,000	2	163

Please note that the information you are viewing is 136 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Opportunity Bank of Malawi Private Bag A71Lilongwe, Central

Data approved: 2012-11-29

Data version: 2

Age of data: 136 months

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Institution Details

Institution Type	Bank
Is this institution regulated?	Yes
Website address	http://www.oibm.mw/
Year established	2003
Head of Institution	Cosmus Kowuoche
Regions active	Dedza, Dowa, Kasungu, Lilongwe, Mchinji, Nkhotakota, Salima, ChitipaKaronga, Mzimba, Nkhata Bay, Rumphi, Blantyre, ChikwawaMangochi, Mulanje
# Branches	33

Total Portfolio (nat'l)	MWK 3,598,720,264
Total Portfolio (USD)	USD 9,227,487.86
Active clients with loans	52,649
Approximate % female clients	40% - 60%
Approximate % urban clients	40% - 60%
Network affiliations	Opportunity International, MAMN, Bankers Association of Malawi
Funders	Opportunity Transformation Investment, Opportunity Microfinance Investment, Trust for Transformation, Africap

Loan Products » Summary

Agriculture

10,659 Borrowers

USD 1,894,842.67 Portfolio

Active Product

Maziko

34,795 Borrowers

USD 1,628,382.90 Portfolio

Active Product

Mzati

2,306 Borrowers

USD 1,668,409 Portfolio

Active Product

Payroll

3,548 Borrowers

USD 1,315,788.54 Portfolio

Active Product

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Agriculture Loan	MWK 200,000 - 50,000,000	3 - 48	20% - 40%	0% - 20%	Business	Women, Men, Running a farming enterprise	Credit Educ, Group Mtgs, Credit Ins, Business Training
Masiko (Group) Loan	MWK 140,000 - 2,800,000	4 - 9	40% - 60%	20% - 40%	Business	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins, Business Training
Mzati (Individual) Loan	MWK 50,000 - 1,000,000	3 - 12	40% - 60%	40% - 60%	Business	Women, Men, Have business, Have home or land, Must have assets as collateral	Credit Educ, Credit Ins, Business Training, Other Training, Social Issues Training (HIV/AIDS, Gender, Vision Building),, Mthunzi (Shelter) Insurance
Payroll Loan	MWK 15,000 - 4,000,000	3 - 48	20% - 40%	40% - 60%	Any Purpose	Women, Men, Salaried worker, Age must be above 18 years	Credit Ins

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agriculture Loan	37.00%-40.00% annual, Decl Bal	1 Fee	0 Ins	None	15.00% upfront	33.6% - 33.9%	38.7% - 39%	95
Masiko (Group) Loan	48.75% annual, Flat	1 Fee	0 Ins	None	15.00% upfront	72.5% - 74.7%	90.5% - 94.1%	52
Mzati (Individual) Loan	42.00% annual, Flat	2 Fees	1 Ins	None	15.00% upfront	70% - 111.5%	92.3% - 144.5%	39
Payroll Loan	45.00% annual, Decl Bal	1 Fee	0 Ins	None	N/A	34.7% - 45.7%	34.7% - 45.7%	100

Institution Price Graph

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Key Statistics
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# Countries
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Loan Portfolio (USD)
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% Products with one or more insurances
% Products with compulsory deposits

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Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » Pricing Information

Institution Price Graph

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