2. OIBM
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
  2. CashPhase
Please note that the information you are viewing is 132 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

CashPhase Ghana Limited 1st Floor, Barclays Bank WingMadina Central Market RoadMadina, Accra, Greater AccraP.O. Box CT4185
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
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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 TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addressN/A
Year established2010
Head of InstitutionMr Sam Baimbill-Johnson
Regions active0
# Branches1

Total Portfolio (nat'l)GHS 105,000
Total Portfolio (USD)USD 70,000
Active clients with loans25
Approximate % female clients20% - 40%
Approximate % urban clients60% - 80%
Network affiliations
Funders

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 » Summary

Business Loan
20 Borrowers
USD 66,667 Portfolio
Active Product
Group Micro Loan
5 Borrowers
USD 3,333 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
Business Loan 0 0 0% - 20% 0% - 20%
Group Micro Loan 0 0 80% - 100% 80% - 100%

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
Business Loan 0.00% annual, 0 0 Fees 0 Ins 119.1% - 128.1% 119.1% - 128.1%
Group Micro Loan 0.00% annual, 0 0 Fees 0 Ins 118% - 120.5% 118% - 120.5%

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
Business Loan 0.00% annual, 0 0 Fees 0 Ins Ins 119.1% - 128.1% 119.1% - 128.1%
Group Micro Loan 0.00% annual, 0 0 Fees 0 Ins Ins 118% - 120.5% 118% - 120.5%
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Key Statistics
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Loan Portfolio (USD)
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