| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 2008 |
| Head of Institution | Claudien Nsengimana |
| Regions active | Maputo Capital, Maputo Province, Inhambane, Gaza |
| # Branches | 7 |
| Total Portfolio (nat'l) | MZN 51,898,022.01 |
| Total Portfolio (USD) | USD 1,707,171.78 |
| Active clients with loans | 4,901 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | AMOMIF, MIX |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Especial | MZN 10,000 - 60,000 | 4 - 6 | 40% - 60% | 60% - 80% | Business | Women, Men | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training | |||||||
| Grupo Comunitario | MZN 3,000 - 30,000 | 4 - 6 | 60% - 80% | 60% - 80% | Business | Women, Men | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training | |||||||
| Individual | MZN 20,000 - 500,000 | 2 - 12 | 20% - 40% | 80% - 100% | Business | Women, Men | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training | |||||||
| Tsembeka | MZN 3,000 - 15,000 | 4 - 6 | 60% - 80% | 40% - 60% | Business | Women, Men | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training | |||||||
| Pecuária (Criação de frangos de corte) | MZN 10,000 - 300,000 | 2 | 60% - 80% | 40% - 60% | Business | Women, Men | Tech Asst Visits |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Especial | 52.0% annual, Flat | 0 Fees | 0 Ins | None | 15.0%-30.0% upfront | 70.6% - 79.8% | 89.3% - 126.5% | 46 | ||||||||
| Grupo Comunitario | 52.0% annual, Flat | 0 Fees | 0 Ins | None | 10.0%-20.0% upfront | 77.5% - 78.7% | 77.5% - 109% | 55 | ||||||||
| Individual | 45.5% annual, Flat | 0 Fees | 0 Ins | None | 10.0%-15.0% upfront | 65.2% - 66.6% | 76.1% - 78.1% | 58 | ||||||||
| Tsembeka | 32.5% annual, Flat | 0 Fees | 0 Ins | None | 10.0%-15.0% upfront | 48.8% - 50.2% | 50.2% - 59.4% | 58 | ||||||||
| Pecuária (Criação de frangos de corte) | 24.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 26% - 39.8% | 26% - 39.8% | 77 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| ACLEDA | 235,200 | 215,086,000 | 6 | 160 |
| AMK | 288,200 | 63,784,000 | 16 | 132 |
| AMRET | 299,500 | 149,542,000 | 8 | 132 |
| Chamroeun | 48,100 | 7,480,000 | 4 | 113 |
| Farmer Finance | 200 | 407,000 | 1 | 132 |
| First Finance | 500 | 5,819,000 | 1 | 132 |
| HKL | 73,400 | 93,842,000 | 3 | 132 |
| KREDIT | 61,800 | 59,319,000 | 9 | 132 |
| Maxima | 2,900 | 3,179,000 | 3 | 132 |
| PRASAC | 138,500 | 251,931,000 | 9 | 132 |
| Seilanithih | 15,200 | 7,516,000 | 5 | 132 |
| SPN | 35,100 | 29,828,000 | 6 | 132 |
| TPC | 120,000 | 45,931,000 | 13 | 132 |
| VF Cambodia | 148,600 | 48,984,000 | 18 | 132 |
| Key Statistics | |
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| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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