Outstanding portfolio (MZN) | MZN 39,944,556.50 |
Portfolio (USD) | USD 1,181,791.61 |
Active Clients with Loans | 5,679 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 60% - 80% |
Individual | |
Solidarity group | |
Village banking | x |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | |
Workplace visits | x |
Business training | x |
Other training | |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | x |
Other | |
Other (2) |
# Regions for this institution | 6 |
# Regions for this product | 6 |
Regions Active | Maputo Capital, Maputo Province, Inhambane, Gaza, Manica, Tete |
Currency | MZN |
Minimum loan size | MZN 3,000 |
Maximum loan size | 30,000 |
Loans less than MZN 5,000 | 30% |
MZN 5,000-10,000 | 30% |
MZN 10,000-20,000 | 30% |
MZN 20,000-40,000 | 10% |
MZN 40,000-60,000 | 0 |
Greater than MZN 60,000 | 0 |
Shortest loan term | 4.0 months |
Longest loan term | 6.0 months |
Approx average | 4.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 100% |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 0 |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | x |
Monthly | |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 4.00% |
Highest quoted nominal interest | 4.00% |
Interest rate period | 4 Weeks |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Required for | Some |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | Yes |
Do borrowers control deposit in their group? | Yes |
% loan amount deposited | 10.00% - 20.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | End Term |
Minimum interest rate paid | 0 |
Maximum interest rate paid | 0 |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Loan Amount |
Type of Sample |
Disbursement Date |
Loan Term (Months) |
Grace Period (Months) |
Total Cost of Credit |
Full APR (int fee ins tax dep) |
True Price by Component |
Transparency Index |
Original Repayment Schedule |
MFT Pricing Calculation |
||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Interest price component |
Fee Component |
Insurance Component |
Tax Component |
Deposit Component |
||||||||||
MZN 5,000 | Real | 2015-02-12 | 3.9 months | N/A | MZN 800 | 83.0% | 71.3% | 0.0% | 0.0% | 0.0% | 11.7% | 63 | ||
MZN 5,000 | Generated | 2015-03-01 | 3.7 months | N/A | MZN 736.44 | 85.3% | 72.7% | 0.0% | 0.0% | 0.0% | 12.6% | 61 | - | |
MZN 5,000 | Real | 2015-02-12 | 3.9 months | N/A | MZN 800 | 83.0% | 71.3% | 0.0% | 0.0% | 0.0% | 11.7% | 63 | ||
MZN 5,000 | Generated | 2015-03-01 | 3.7 months | N/A | MZN 736.44 | 85.3% | 72.7% | 0.0% | 0.0% | 0.0% | 12.6% | 61 | - | |
MZN 3,000 | Generated | 2015-03-01 | 5.5 months | N/A | MZN 718.03 | 96.6% | 82.2% | 0.0% | 0.0% | 0.0% | 14.4% | 54 | - | |
MZN 12,000 | Generated | 2015-03-01 | 5.5 months | N/A | MZN 2,872.11 | 105.8% | 82.2% | 0.0% | 0.0% | 0.0% | 23.6% | 49 | - | |
MZN 16,500 | Generated | 2015-03-01 | 5.5 months | N/A | MZN 3,949.15 | 105.8% | 82.2% | 0.0% | 0.0% | 0.0% | 23.6% | 49 | - | |
MZN 21,000 | Generated | 2015-03-01 | 5.5 months | N/A | MZN 5,026.19 | 105.8% | 82.2% | 0.0% | 0.0% | 0.0% | 23.6% | 49 | - | |
MZN 26,000 | Generated | 2015-03-01 | 5.5 months | N/A | MZN 6,222.90 | 105.8% | 82.2% | 0.0% | 0.0% | 0.0% | 23.6% | 49 | - | |
MZN 30,000 | Generated | 2015-03-01 | 3.7 months | N/A | MZN 4,786.85 | 100.4% | 78.5% | 0.0% | 0.0% | 0.0% | 21.9% | 52 | - |
Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
AGFS | 200 | 47,000 | 2 | 150 |
Ahantaman RB | 23,800 | 9,896,000 | 4 | 132 |
APED | 13,700 | 1,876,000 | 2 | 132 |
ASA Initiative | 4,400 | 577,000 | 4 | 132 |
ASA-Ghana | 71,600 | 18,385,000 | 2 | 132 |
ASPI | 800 | 88,000 | 6 | 132 |
Atwima Kwanwoma | 3,800 | 1,788,000 | 2 | 132 |
Baobab | 5,100 | 967,000 | 2 | 132 |
BestFUND | 13,000 | 4,172,000 | 3 | 132 |
Bonzali Rural | 10,400 | 1,691,000 | 4 | 150 |
CashPhase | 83 | 135,000 | 2 | 132 |
CASUD | 1,100 | 524,000 | 1 | 132 |
CEDEF | 500 | 54,000 | 4 | 132 |
CFF | 100 | 13,000 | 1 | 132 |
CRAN | 3,600 | 1,019,000 | 2 | 132 |
DQF | 1,700 | 63,000 | 2 | 132 |
EASL | 9,200 | 11,409,000 | 6 | 132 |
East Mamprusi | 12,500 | 2,268,000 | 4 | 132 |
ELDA | 0 | 0 | 0 | 132 |
EMPRETEC Ghana | 200 | 56,000 | 2 | 132 |
FASL | 13,500 | 14,047,000 | 8 | 132 |
Grameen Ghana | 9,500 | 507,000 | 3 | 132 |
ID-Ghana | 5,600 | 953,000 | 3 | 132 |
Innovative Finance | 2,700 | 354,000 | 3 | 132 |
Kraban Support | 7,700 | 781,000 | 5 | 150 |
KRB | 4,000 | 6,350,000 | 3 | 132 |
Lower Pra RB | 34,000 | 6,316,000 | 3 | 150 |
Maata-N-Tudu | 12,000 | 941,000 | 4 | 132 |
Mail Finance | 300 | 288,000 | 1 | 132 |
Markaz | 0 | 0 | 0 | 132 |
Markaz Al Bishara | 100 | 17,000 | 1 | 132 |
MicrofinPlus Gh | 1,100 | 251,000 | 2 | 132 |
Nwabiagya RB | 4,000 | 2,265,000 | 3 | 132 |
OISL | 62,000 | 27,232,000 | 9 | 132 |
Pro Credit | 0 | 0 | 0 | 132 |
Rich Step | 100 | 101,000 | 1 | 132 |
SAT | 147,600 | 29,359,000 | 4 | 132 |
Sekam Trust | 600 | 137,000 | 2 | 132 |
Simli Pong | 8,900 | 463,000 | 3 | 150 |
SS Ghana | 200 | 35,000 | 1 | 132 |
TCCU | 100 | 32,000 | 3 | 132 |
The Bridge | 400 | 32,000 | 3 | 150 |
Union RB | 3,800 | 2,361,000 | 4 | 132 |
Key Statistics | |
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# Borrowers | |
Loan Portfolio (USD) | |
% Products using declining balance | |
% Products with one or more fee | |
% Products with one or more insurances | |
% Products with compulsory deposits |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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