Please note that the information you are viewing is 101 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Associacao Zambeziana Para o Desenvolvimento Rural Rua dos Trabalhadores,Edificio da OTM,QuelimaneRua Joaquim ChissanoGurue, Zambezia
Data approved: 2012-01-21
Data version: 1
Age of data: 101 months

Product

Credito ao Comercio Product 2 of 2 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 100,000
Portfolio (USD)USD 3,289.47
Active Clients with Loans80
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Credito para comercializacao
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyMZN
Minimum loan sizeMZN 2,000
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average6.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest4.50%
Highest quoted nominal interest4.50%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionPara cobertura de despesas administrativas
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min250
Fixed amount - max250
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionPara cobertura do credito vigente em caso de falecimento
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
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
Taxes
Are taxes charged on this product?No

Full Pricing Data

Credito ao Comercio samples
Sample 1Sample 2Sample 3
Loan AmountMZN 2,000MZN 4,000MZN 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-11-152011-11-152011-11-15
Loan Term (Months)3.0 months3.0 months6.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component188.6%95.1%54.2%
Insurance Component8.4%7.1%3.3%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)197.0%102.2%57.6%
Transparency Index275394
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Credito ao Comercio Price Graphs


Institution # Borrowers Portfolio (US$) Products Age of Data
ACSI682,200103,172,0005101
ADCSI176,10030,846,0002102
BG47,0004,048,0004101
DECSI361,00096,304,0007101
Dire4,900828,0004101
DMCPSC1,20069,0001101
Eshet18,8002,392,0003101
Harbu22,4001,757,0002101
Meklit12,2001,395,0004101
Metemamen10,500650,0006101
OCSSCO502,70069,565,0003101
OMO323,60031,385,0004101
PEACE17,2002,462,0003101
SFPI33,6002,750,0003101
Sidama53,4001,162,0006101
Wasasa49,3005,798,0004101
Wisdom MFI45,3005,500,000698
Caps / Zoom options
Key Statistics
# Samples:
# Products
# Institutions
# 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:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to