Please note that the information you are viewing is 87 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE


Association de Microfinance Oued Srou 2,Rue Oued SbouQuartier Ettakadoum Elkbab CentreKhénifra, Région Mèknès Tafilalet
Data approved: 2013-05-13
Data version: 1
Age of data: 87 months


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Product Details

Key Statistics
Outstanding portfolio (MAD)MAD 3,566,187
Portfolio (USD)USD 419,551.41
Active Clients with Loans946
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Solidarity group
Village banking
Self help group
Ce produit est destiné aux activités plus structurées pour satisfaire un besoin financier plus élevé . Ce produit est destiné aux artisans , commerçants ,agriculteurs et pourvoyeurs de services.
Loan Purpose
Any purpose
Income generationx
Consumer loan
Other household finance
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other (2)
No other servicesx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActiveBeni Mellal-Khenifra, Drâa-Tafilalt

Loan Conditions

Loan Amount
Minimum loan sizeMAD 1,500
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than MAD 5,00030%
MAD 5,000-15,00050%
MAD 15,000-25,00015%
MAD 25,000-35,0005%
MAD 35,000-45,0000
Greater than MAD 45,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term36.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months10%
Between 13 and 18 months20%
Longer than 18 months70%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Every 2 weeks
Every 4 weeks
Every 2 months
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Lowest quoted nominal interest1.50%
Highest quoted nominal interest1.70%
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
DescriptionFrais de dossier
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationLes frais de dossier payés par le client ne peuvent dépasser MAD 200.
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Are taxes charged on this product?No

Full Pricing Data

Produit Individuel samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountMAD 2,500MAD 5,000MAD 9,000MAD 20,000MAD 25,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-082013-04-042013-04-182011-07-152013-03-15
Loan Term (Months)12.0 months12.0 months12.0 months24.0 months24.0 months
Grace Period (Months)-0.1 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditMAD 535MAD 1,070MAD 1,926MAD 7,400MAD 9,200
True Price by Comp         
Interest price component35.6%35.2%35.2%30.9%31.0%
Fee Component1.9%1.9%1.9%1.1%0.8%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)37.5%37.1%37.1%32.0%31.8%
Transparency Index4848485657
Original Repayment SchedulePDFPDFPDFPDFPDF
Produit Individuel Price Graphs

Please note that the information you are viewing is 93 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE


Markaz Al Bishara Head OfficeGumani Child Care & Family Helper ProgramTamale, NorthernPO Box TL 1313
Data approved: 2013-04-16
Data version: 2
Age of data: 93 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website address
Year established1996
Head of InstitutionRev. Johnson Asare
Regions activeNorthern Region
# Branches1

Total Portfolio (nat'l)GHS 35,000
Total Portfolio (USD)USD 17,766.50
Active clients with loans145
Approximate % female clients100%
Approximate % urban clients100%
Network affiliationsChristian Children's Fund of Canada (CCFC), GHAMFIN, ASSFIN, Credit Union Association (CUA)
FundersChristian Children's Fund of Canada (CCFC), Credit Union Association (CUA)

Loan Products » Summary

145 Borrowers
USD 17,766.50 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Petty Trading Loan GHS 100 - 300 6 80% - 100% 80% - 100% Business, Other Women, Have business Group Mtgs, Tech Asst Visits, Health Training (HIV/AIDS, etc.)

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Petty Trading Loan 30.00% annual, Flat 1 Fee 0 None N/A 50.5% 50.5% 59
Institution Price Graph
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Key Statistics
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# 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:
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