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Institution

Opportunity Bank of Malawi Private Bag A71Lilongwe, Central
Data approved: 2012-11-29
Data version: 2
Age of data: 135 months

Institution

Crezcamos S.A. Calle 47 # 29 - 65 SotomayorBucaramanga, Santander
Data approved: 2011-03-15
Data version: 1
Age of data: 159 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.oibm.mw/
Year established2003
Head of InstitutionCosmus Kowuoche
Regions activeDedza, Dowa, Kasungu, Lilongwe, Mchinji, Nkhotakota, Salima, ChitipaKaronga, Mzimba, Nkhata Bay, Rumphi, Blantyre, ChikwawaMangochi, Mulanje
# Branches33

Total Portfolio (nat'l)MWK 3,598,720,264
Total Portfolio (USD)USD 9,227,487.86
Active clients with loans52,649
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsOpportunity International, MAMN, Bankers Association of Malawi
FundersOpportunity Transformation Investment, Opportunity Microfinance Investment, Trust for Transformation, Africap

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?No
Website addresshttp://www.crezcamos.com/
Year established2006
Head of InstitutionMauricio Osorio Sanchez
Regions active
# Branches7

Total Portfolio (nat'l)COP 41,163,048,864
Total Portfolio (USD)USD 22,617,059.82
Active clients with loans25,888
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliations
Funders

Loan Products » Summary

10,659 Borrowers
USD 1,894,842.67 Portfolio
Active Product
34,795 Borrowers
USD 1,628,382.90 Portfolio
Active Product
2,306 Borrowers
USD 1,668,409 Portfolio
Active Product
3,548 Borrowers
USD 1,315,788.54 Portfolio
Active Product

Loan Products » Summary

1,319 Borrowers
USD 1,500,912.94 Portfolio
Active Product
19,006 Borrowers
USD 14,641,068.93 Portfolio
Active Product
1,683 Borrowers
USD 421,211.58 Portfolio
Active Product
5,572 Borrowers
USD 6,001,597.16 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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
CREDIAGRO COP 500,000 - 13,390,000 6 - 36 20% - 40% 0% - 20% Business Women, Men, Have business Credit Ins
Credinegocio COP 500,000 - 13,300,000 6 - 24 60% - 80% 40% - 60% Business Women, Men, Have business Credit Ins
Credioportuno COP 200,000 - 1,606,800 2 60% - 80% 20% - 40% Business Women, Men, Have business, Cliente con crédito vigente que tenga un saldo menor al 50% del valor desembolsado Credit Ins
Credirenovacion COP 500,000 - 13,390,000 6 - 36 40% - 60% 0% - 20% Business Women, Men, Have business 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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
CREDIAGRO 28.8%-34.0% annual, Decl Bal 2 Fees 1 Ins None N/A 42.1% - 49.3% 43% - 50.2% 62
Credinegocio 28.8%-34.0% annual, Decl Bal 2 Fees 1 Ins None N/A 42.7% - 49.4% 43.6% - 50.3% 61
Credioportuno 28.8%-34.0% annual, Decl Bal 1 Fee 1 Ins None N/A 39.3% - 40.6% 39.6% - 40.9% 72
Credirenovacion 28.8%-34.0% annual, Decl Bal 2 Fees 1 Ins None N/A 41.5% - 49.5% 42.6% - 50.4% 64

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 Ins None 15.00% upfront 33.6% - 33.9% 38.7% - 39% 95
Masiko (Group) Loan 48.75% annual, Flat 1 Fee 0 Ins 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 Ins None 15.00% upfront 70% - 111.5% 92.3% - 144.5% 39
Payroll Loan 45.00% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 34.7% - 45.7% 34.7% - 45.7% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
CREDIAGRO 28.8%-34.0% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 42.1% - 49.3% 43% - 50.2% 62
Credinegocio 28.8%-34.0% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 42.7% - 49.4% 43.6% - 50.3% 61
Credioportuno 28.8%-34.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 39.3% - 40.6% 39.6% - 40.9% 72
Credirenovacion 28.8%-34.0% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 41.5% - 49.5% 42.6% - 50.4% 64
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