2. AMOS
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  2. Amanecer
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Institution

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: 127 months

Institution

FUNDACIÓN AMANECER Calle 24 No. 20 A 27Yopal, Casanare
Data approved: 2011-09-15
Data version: 1
Age of data: 159 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://Néant
Year established2000
Head of InstitutionMohamed OUMAYCHA
Regions activeBeni Mellal-Khenifra, Drâa-Tafilalt
# Branches15

Total Portfolio (nat'l)MAD 6,092,844
Total Portfolio (USD)USD 716,805.18
Active clients with loans2,720
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsRéseau de la Microfinance solidaire au Maroc (RMS)
FundersAMSED, Fonds Hassan II, USAID, Fondation Mohamed V

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established1994
Head of InstitutionCesar Ivan Velosa Poveda
Regions active
# Branches6

Total Portfolio (nat'l)COP 15,034,582,670
Total Portfolio (USD)USD 8,260,759.71
Active clients with loans3,993
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliationsEmprender, Asomicrofinanzas
Funders

Loan Products » Summary

Solidaire
1,774 Borrowers
USD 297,253.76 Portfolio
Active Product
Individuel
946 Borrowers
USD 419,551.41 Portfolio
Active Product

Loan Products » Summary

Empresarial
2,664 Borrowers
USD 5,039,809.85 Portfolio
Active Product
Microvivien
583 Borrowers
USD 1,468,426 Portfolio
Active Product
Producti.
304 Borrowers
USD 294,588.47 Portfolio
Active Product
Germina
830 Borrowers
USD 1,450,819.67 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Produit Solidaire MAD 1,000 - 5,000 4 - 12 0% 0% - 20% Business, Agriculture Women, Have business
Produit Individuel MAD 1,500 - 50,000 4 - 36 40% - 60% 0% - 20% Business, Agriculture Women, Men, Have business

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Desarrollo Empresarial COP 515,000 - 25,750,000 6 - 30 40% - 60% 80% - 100% Business Women, Men, Have business Tech Asst Visits, Business Training
Microvivienda COP 515,000 - 25,750,000 6 - 30 40% - 60% 60% - 80% Housing Women, Men, Have business Credit Educ
Nucleos Solidarios Productivos COP 515,000 - 5,150,000 6 - 24 40% - 60% 0% - 20% Business Women, Men, Have business Group Mtgs, Business Training, Giras Técnicas
Rural Individual - Germina COP 515,000 - 12,875,000 6 - 30 40% - 60% 0% - 20% Business Women, Men, Have business Group Mtgs, Giras Técnicas

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Produit Solidaire 21.6% annual, Flat 1 Fee 0 Ins None 1.00%-1.50% ongoing 37.7% - 40.1% 43% - 44.5% 49
Produit Individuel 18.0%-20.4% annual, Flat 1 Fee 0 Ins None N/A 31.8% - 37.5% 31.8% - 37.5% 51

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Desarrollo Empresarial 29.5% annual, Decl Bal 1 Fee 1 Ins None N/A 29.6% - 35% 30.1% - 38% 88
Microvivienda 29.5% annual, Decl Bal 0 Fees 1 Ins None N/A 29.6% - 31.1% 30% - 33.7% 91
Nucleos Solidarios Productivos 29.5% annual, Decl Bal 0 Fees 1 Ins None N/A 29.6% - 31% 32.4% - 33.2% 90
Rural Individual - Germina 24.0% annual, Decl Bal 0 Fees 1 Ins None N/A 24% - 26.3% 25.6% - 33.9% 83

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Produit Solidaire 21.6% annual, Flat 1 Fee 0 Ins Ins None 1.00%-1.50% ongoing 37.7% - 40.1% 43% - 44.5% 49
Produit Individuel 18.0%-20.4% annual, Flat 1 Fee 0 Ins Ins None N/A 31.8% - 37.5% 31.8% - 37.5% 51

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Desarrollo Empresarial 29.5% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 29.6% - 35% 30.1% - 38% 88
Microvivienda 29.5% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 29.6% - 31.1% 30% - 33.7% 91
Nucleos Solidarios Productivos 29.5% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 29.6% - 31% 32.4% - 33.2% 90
Rural Individual - Germina 24.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 24% - 26.3% 25.6% - 33.9% 83
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