| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.oportunity.org/ |
| Year established | 2005 |
| Head of Institution | Ian Campbell |
| Regions active | Maputo Capital, Gaza, Sofala, Manica, Zambezia, Nampula, Tete |
| # Branches | 19 |
| Total Portfolio (nat'l) | MZN 216,104,944 |
| Total Portfolio (USD) | USD 7,108,715.26 |
| Active clients with loans | 18,942 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | Opportunity International, AMOMIF |
| Funders | Opportunity US and Opportunity UK, CIDA, DFID, UE |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.sinapiaba.com/ |
| Year established | 1994 |
| Head of Institution | Anthony Gyasi-Fosu |
| Regions active | 0 |
| # Branches | 48 |
| Total Portfolio (nat'l) | GHS 34,500,000 |
| Total Portfolio (USD) | USD 23,000,000 |
| Active clients with loans | 107,000 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Opportunity Internal network, Ghamfin, Mix Market, Assfin |
| Funders | Blue Orchard, Symbotics, Kolibre Capital, Tridos |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Agricultura | MZN 1,512 - 13,485 | 2 - 12 | 40% - 60% | 0% - 20% | Business, Agriculture | Women, Men, Have business | Credit Educ, Group Mtgs, Tech Asst Visits | |||||||
| Credito Individual | MZN 5,000 - 103,093 | 4 - 12 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business | Credit Ins | |||||||
| Credito Solidario | MZN 1,000 - 12,180 | 3 - 8 | 0% | 60% - 80% | Business | Women, Men, Have business | Group Mtgs |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Individual | GHS 1,000 - 5,000 | 6 - 12 | 80% - 100% | 60% - 80% | ||||||||||
| School Loans | GHS 1,000 - 10,000 | 6 - 24 | 20% - 40% | 40% - 60% | ||||||||||
| SME | GHS 5,000 - 50,000 | 6 - 12 | 60% - 80% | 80% - 100% | ||||||||||
| Solidarity | GHS 1,000 - 4,000 | 0.5 - 10 | 80% - 100% | 0% - 20% | ||||||||||
| Trust Bank | GHS 200 - 900 | 6 - 10 | 80% - 100% | 0% - 20% |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Agricultura | 36.0%-60.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 15.0% upfront | 37.8% - 48.9% | 43.8% - 55.5% | 76 | ||||||||
| Credito Individual | 66.0% annual, Decl Bal | 1 Fee | 1 Ins | N/A fixed | N/A | 68.6% - 71.1% | 71.8% - 76.2% | 90 | ||||||||
| Credito Solidario | 72.0% annual, Flat | 1 Fee | 0 Ins | N/A fixed | 10.0% upfront | 69.4% - 76.4% | 83.2% - 91.6% | 83 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Individual | 20.00%-0.00% annual, Flat | 1 Fee | 1 Ins | 56.4% - 92% | 69.3% - 113.1% | 21 | ||||||||||
| School Loans | 20.00%-0.00% annual, Flat | 0 Fees | 0 Ins | N/A | 50.4% - 57.2% | 50.4% - 57.2% | 37 | |||||||||
| SME | 36.00%-0.00% annual, Flat | 1 Fee | 1 Ins | 57.3% - 86.7% | 69.2% - 105.5% | 43 | ||||||||||
| Solidarity | 22.00%-0.00% annual, Flat | 2 Fees | 1 Ins | 84.4% - 88.6% | 102.8% - 109.2% | 20 | ||||||||||
| Trust Bank | 22.00%-0.00% annual, Flat | 2 Fees | 1 Ins | 84.3% - 98.5% | 104.3% - 122.6% | 19 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Agricultura | 36.0%-60.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 15.0% upfront | 37.8% - 48.9% | 43.8% - 55.5% | 76 | ||||||||
| Credito Individual | 66.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | N/A fixed | N/A | 68.6% - 71.1% | 71.8% - 76.2% | 90 | ||||||||
| Credito Solidario | 72.0% annual, Flat | 1 Fee | 0 Ins Ins | N/A fixed | 10.0% upfront | 69.4% - 76.4% | 83.2% - 91.6% | 83 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Individual | 20.00%-0.00% annual, Flat | 1 Fee | 1 Ins Ins | 56.4% - 92% | 69.3% - 113.1% | 21 | ||||||||||
| School Loans | 20.00%-0.00% annual, Flat | 0 Fees | 0 Ins Ins | N/A | 50.4% - 57.2% | 50.4% - 57.2% | 37 | |||||||||
| SME | 36.00%-0.00% annual, Flat | 1 Fee | 1 Ins Ins | 57.3% - 86.7% | 69.2% - 105.5% | 43 | ||||||||||
| Solidarity | 22.00%-0.00% annual, Flat | 2 Fees | 1 Ins Ins | 84.4% - 88.6% | 102.8% - 109.2% | 20 | ||||||||||
| Trust Bank | 22.00%-0.00% annual, Flat | 2 Fees | 1 Ins Ins | 84.3% - 98.5% | 104.3% - 122.6% | 19 |
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