| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.inmaa.ma |
| Year established | 1999 |
| Head of Institution | Hammou MOUSTAIN |
| Regions active | Rabat-Sale-Kenitra, Beni Mellal-Khenifra, Settat-Casablanca, Marrakesh-Safi, Drâa-Tafilalt |
| # Branches | 22 |
| Total Portfolio (nat'l) | MAD 18,210,886 |
| Total Portfolio (USD) | USD 2,142,457.18 |
| Active clients with loans | 5,347 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Sanabel, FNAM, RMS |
| Funders | JAIDA, Crédit Agricole du Maroc, Whole Planet |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 2000 |
| Head of Institution | Amsalu Alemayehu Gutema |
| Regions active | |
| # Branches | 24 |
| Total Portfolio (nat'l) | ETB 113,970,892 |
| Total Portfolio (USD) | USD 6,194,070.22 |
| Active clients with loans | 53,981 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | AEMFI, MAIN, PAMIGA |
| Funders | Terrafina, Cordaid, Ethio Italian Rural Development Cooperation, World Solidarity Movement |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Solidaire | MAD 500 - 10,000 | 4 - 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | ||||||||
| Intilaqa | MAD 1,000 - 10,000 | 4 - 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | ||||||||
| Anamaa | MAD 5,000 - 20,000 | 4 - 24 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Employee Loan | ETB 1,000 - 10,000 | 4 - 24 | 0% - 20% | 80% - 100% | Housing, Consumer, Education | Women, Men, Salaried worker | Credit Educ | |||||||
| Enterprise Loan | ETB 2,000 - 10,000 | 4 - 12 | 20% - 40% | 80% - 100% | Business | Women, Men, Have business, Must be urban or semi-urban, not for rural clients. | Credit Educ, Business Training | |||||||
| Individual Loan | ETB 5,000 - 150,000 | 4 - 24 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business | Credit Educ, Tech Asst Visits, Business Training | |||||||
| Large Group Loan | ETB 100 - 5,000 | 4 - 12 | 40% - 60% | 0% - 20% | Any Purpose | Women, Men | Credit Educ, Other Training, Agricultural Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Solidaire | 24.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 44% - 45.7% | 45.2% - 51.2% | 50 | ||||||||
| Intilaqa | 24.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 42.9% - 43.2% | 43.4% - 49.4% | 53 | ||||||||
| Anamaa | 24.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 42.7% - 43.9% | 43% - 45.2% | 54 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Employee Loan | 15.0% annual, Flat | 0 Fees | 1 Ins | None | 10.0%-15.0% upfront | 26.6% | 31.9% - 33.6% | 45 | ||||||||
| Enterprise Loan | 18.0% annual, Flat | 0 Fees | 1 Ins | None | 10.0% upfront | 32.1% - 33.8% | 40.2% - 43.9% | 43 | ||||||||
| Individual Loan | 11.0%-15.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 21.6% - 26.5% | 21.6% - 26.5% | 46 | ||||||||
| Large Group Loan | 18.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-15.0% upfront | 23.6% - 23.8% | 27.4% - 27.7% | 65 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Solidaire | 24.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 44% - 45.7% | 45.2% - 51.2% | 50 | ||||||||
| Intilaqa | 24.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 42.9% - 43.2% | 43.4% - 49.4% | 53 | ||||||||
| Anamaa | 24.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 42.7% - 43.9% | 43% - 45.2% | 54 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Employee Loan | 15.0% annual, Flat | 0 Fees | 1 Ins Ins | None | 10.0%-15.0% upfront | 26.6% | 31.9% - 33.6% | 45 | ||||||||
| Enterprise Loan | 18.0% annual, Flat | 0 Fees | 1 Ins Ins | None | 10.0% upfront | 32.1% - 33.8% | 40.2% - 43.9% | 43 | ||||||||
| Individual Loan | 11.0%-15.0% annual, Flat | 0 Fees | 0 Ins Ins | None | N/A | 21.6% - 26.5% | 21.6% - 26.5% | 46 | ||||||||
| Large Group Loan | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 10.0%-15.0% upfront | 23.6% - 23.8% | 27.4% - 27.7% | 65 |
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