2. MLF MWI
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  2. CCOM
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Institution

Microloan Foundation Head OfficeKasungu, CentralPO Box 491
Data approved: 2012-11-15
Data version: 2
Age of data: 136 months
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Institution

Caixa Comunit?ria de Microfinan?as Av. Das FPLM,832% ICB e Loja de Pe?asMaputo, Maputo
Data approved: 2012-02-06
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.microloanfoundation.org.uk/Home
Year established2002
Head of InstitutionPeter Matumbo
Regions activeDowa, Kasungu, Lilongwe, Mchinji, Nkhotakota, Ntcheu, Ntchisi, SalimaKaronga, Mzimba, Nkhata Bay, Rumphi, Balaka, Blantyre, Chikwawa, MachingaMangochi, Mulanje
# Branches20

Total Portfolio (nat'l)MWK 662,269,793
Total Portfolio (USD)USD 1,698,127.67
Active clients with loans24,364
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsMAMN
FundersMicroloan Foundation, UK

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established1998
Head of InstitutionEnoque Raimundo Changamo
Regions active0
# Branches12

Total Portfolio (nat'l)MT 90,149,772
Total Portfolio (USD)USD 2,908,057.16
Active clients with loans11,448
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsAMOMIF, MAIN
Funders

Loan Products » Summary

Bridging
355 Borrowers
USD 99,169.63 Portfolio
Active Product
Irrigation
1,425 Borrowers
USD 116,868.29 Portfolio
Active Product
Standard
20,988 Borrowers
USD 1,340,606.15 Portfolio
Active Product
Knitting & Sewing / Life Skills Loan
Retired Product

Loan Products » Summary

Individual
98 Borrowers
USD 144,822 Portfolio
Active Product
Indv CCOM
846 Borrowers
USD 297,200 Portfolio
Active Product
Sem Avalista
98 Borrowers
USD 284,412 Portfolio
Active Product
Micronegocio
3,785 Borrowers
USD 377,779 Portfolio
Active Product
Comercio
1,170 Borrowers
USD 270,417 Portfolio
Active Product
Agricultura
611 Borrowers
USD 581,611 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Bridging Loan MWK 65,000 - 180,000 6 - 10 80% - 100% 0% - 20% Business Women, Have business Group Mtgs, Tech Asst Visits, Business Training, Other Training, Group Dynamics
Irrigation Loan MWK 18,000 - 80,000 3 - 7 80% - 100% 0% - 20% Business Women, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Group Dynamics
Standard Loan MWK 18,000 - 80,000 4 80% - 100% 0% - 20% Business Women, Have business, Specific age group Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Group Dyanamics

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credito Individual CCOM MZN 10,000 - 100,000 6 - 12 40% - 60% 60% - 80% Business Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Credito Individual MZN 10,000 - 100,000 6 - 12 40% - 60% 60% - 80% Business Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Tech Asst Visits, Business Training, Other Training
Credito Individual Sem Avalista MZN 10,000 - 100,000 4 - 12 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Grupo Solidario Pequeno Grupo Micronegocios MZN 4,000 - 50,000 6 - 12 40% - 60% 60% - 80% Any Purpose Women, Men, Have business, Have home or land
Grupo Solidario Pequeno Grupo Comercio MZN 10,000 - 45,000 6 40% - 60% 80% - 100% Any Purpose Women, Men, Have business, Have home or land, Salaried worker
GSGF Credito a Agricultura MZN 4,000 - 50,000 8 - 12 40% - 60% 0% - 20% Agriculture Women, Men, Have business, Have home or land Credit Educ, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Bridging Loan 48.00% annual, Flat 0 Fees 0 Ins None 20.00% upfront 75.7% - 75.8% 107.4% - 107.5% 44
Irrigation Loan 57.00% annual, Flat 0 Fees 0 Ins None 10.00%-20.00% upfront 36.2% - 60.4% 45.9% - 83.7% 83
Standard Loan 60.00% annual, Flat 0 Fees 0 Ins None 10.00%-20.00% upfront 97.1% - 108.4% 147.6% - 166.7% 37

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito Individual CCOM 54.0% annual, Decl Bal 1 Fee 1 Ins None 12.0% upfront 0% 0% N/A
Credito Individual 54.0% annual, Decl Bal 1 Fee 1 Ins None 30.0% upfront 0% 0% N/A
Credito Individual Sem Avalista 54.0% annual, Decl Bal 1 Fee 1 Ins None None 0% 0% N/A
Grupo Solidario Pequeno Grupo Micronegocios 54.0% annual, Decl Bal 1 Fee 1 Ins None 33.3% upfront 0% 0% N/A
Grupo Solidario Pequeno Grupo Comercio 54.0% annual, Decl Bal 1 Fee 1 Ins None 33.3% upfront 0% 0% N/A
GSGF Credito a Agricultura 36.0% annual, Flat 1 Fee 1 Ins None 20.0% upfront 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Bridging Loan 48.00% annual, Flat 0 Fees 0 Ins Ins None 20.00% upfront 75.7% - 75.8% 107.4% - 107.5% 44
Irrigation Loan 57.00% annual, Flat 0 Fees 0 Ins Ins None 10.00%-20.00% upfront 36.2% - 60.4% 45.9% - 83.7% 83
Standard Loan 60.00% annual, Flat 0 Fees 0 Ins Ins None 10.00%-20.00% upfront 97.1% - 108.4% 147.6% - 166.7% 37

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito Individual CCOM 54.0% annual, Decl Bal 1 Fee 1 Ins Ins None 12.0% upfront 0% 0% N/A
Credito Individual 54.0% annual, Decl Bal 1 Fee 1 Ins Ins None 30.0% upfront 0% 0% N/A
Credito Individual Sem Avalista 54.0% annual, Decl Bal 1 Fee 1 Ins Ins None None 0% 0% N/A
Grupo Solidario Pequeno Grupo Micronegocios 54.0% annual, Decl Bal 1 Fee 1 Ins Ins None 33.3% upfront 0% 0% N/A
Grupo Solidario Pequeno Grupo Comercio 54.0% annual, Decl Bal 1 Fee 1 Ins Ins None 33.3% upfront 0% 0% N/A
GSGF Credito a Agricultura 36.0% annual, Flat 1 Fee 1 Ins Ins None 20.0% upfront 0% 0% N/A
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Loan Portfolio (USD)
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