Banco Oportunidade de Mozambique - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 119 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Please note that the information you are viewing is 125 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Banco Oportunidade de Mozambique Av. 24 de Julho, 4136, Bairro MalangaMaputo

Data approved: 2013-05-10

Data version: 2

Age of data: 119 months

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Institution

The First MicroFinanceBank Ltd. 16th, 17th Floor, Habib Bank Ltd. Tower, Near China ChowkBlue AreaIslamabad, Federal44000

Data approved: 2013-07-25

Data version: 1

Age of data: 125 months

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Institution Details

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 Details

Institution Type	Bank
Is this institution regulated?	Yes
Website address	http://www.akdn.org/pakistan_microfinance.asp
Year established	2002
Head of Institution	Amir Masood Khan
Regions active	Azad Kashmir, Balochistan, Gilgit-Baltistan, Khyber Pakhtunkwa, Punjab, Sindh
# Branches	133

Total Portfolio (nat'l)	PKR 4,020,148,567
Total Portfolio (USD)	USD 41,021,924.15
Active clients with loans	166,267
Approximate % female clients	20% - 40%
Approximate % urban clients	40% - 60%
Network affiliations	Pakistan Microfinance Network (PMN), Microfinance Network (MFN), Banking with the Poor, Aga Khan Development Network (AKDN)
Funders	Aga Khan Agency for Microfinance (Equity partner/Investor), International Finance Corporation (Equity Partner/Investor), Japan International Corporation Agency (JICA)

Loan Products » Summary

Agricultura

5,318 Borrowers

USD 306,281.25 Portfolio

Active Product

Individual

11,423 Borrowers

USD 6,080,858.36 Portfolio

Active Product

Solidario

2,201 Borrowers

USD 35,242.66 Portfolio

Active Product

Loan Products » Summary

Agriculture

63,528 Borrowers

USD 16,214,001.18 Portfolio

Active Product

Enterprise

54,724 Borrowers

USD 8,530,425.54 Portfolio

Active Product

Livestock S

33,590 Borrowers

USD 8,406,219.68 Portfolio

Active Product

Livestock M

103 Borrowers

USD 47,239.66 Portfolio

Active Product

General

494 Borrowers

USD 137,748.27 Portfolio

Active Product

Pension

10,197 Borrowers

USD 5,358,363.83 Portfolio

Active Product

Salary

2,939 Borrowers

USD 1,829,346.10 Portfolio

Active Product

Gold

458 Borrowers

USD 324,813.30 Portfolio

Active Product

Near Cash

233 Borrowers

USD 173,650.49 Portfolio

Active Product

Loan Products » Conditions

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

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Agriculture Finance	PKR 10,000 - 150,000	3 - 14	0% - 20%	0%	Agriculture	Women, Men, Has owned or contracted cultivation land and has experience of cultivation	Group Mtgs, Credit Ins
Enterprise Finance	PKR 15,000 - 150,000	3 - 18	0% - 20%	80% - 100%	Business	Women, Men, Have business, Start up can also avail loan facility	Group Mtgs, Credit Ins
Livestock Finance (Short Term)	PKR 10,000 - 150,000	3 - 12	20% - 40%	0% - 20%	Business, Small animal purchase, raring, fattening and productivity enhancement of large animals	Women, Men	Group Mtgs, Credit Ins
Livestock Finance (Medium Term)	PKR 30,000 - 80,000	6 - 36	40% - 60%	0% - 20%	Business, Purchase of milking cow/buffallo	Women, Men, Must have at least 2 existing milking animals	Group Mtgs, Credit Ins
General Purpose Finance	PKR 10,000 - 50,000	3 - 12	40% - 60%	0% - 20%	Housing, Education, Other	Women, Men	Group Mtgs, Credit Ins
Micro Pensioner Loan	PKR 20,000 - 150,000	6 - 36	0% - 20%	40% - 60%	Any Purpose	Women, Men, Must be a pensioner	Credit Ins
Low Salary Employees Loan	PKR 20,000 - 150,000	6 - 36	0% - 20%	40% - 60%	Any Purpose	Women, Men, Salaried worker	Credit Ins
Individual Loan Against Gold	PKR 35,000 - 150,000	3 - 12	40% - 60%	100%	Any Purpose	Women, Men	Credit Ins
Individual Loan Against Cash/Near Cash	PKR 20,000 - 150,000	3 - 24	0% - 20%	40% - 60%	Any Purpose	Women, Men	Credit Ins

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agriculture Finance	26.0%-38.4% annual, Decl Bal	1 Fee	16.00% fees	N/A	29.1% - 33.8%	29.1% - 33.9%	N/A
Enterprise Finance	38.4% annual, Decl Bal	1 Fee	16.00% fees	N/A	30% - 38.2%	30% - 38.2%	N/A
Livestock Finance (Short Term)	26.0%-38.4% annual, Decl Bal	1 Fee	16.00% fees	N/A	27.8% - 40.2%	27.8% - 40.6%	N/A
Livestock Finance (Medium Term)	31.7%-40.9% annual, Decl Bal	1 Fee	16.00% fees	N/A	32.1% - 44.6%	32.1% - 45.1%	N/A
General Purpose Finance	26.0%-38.4% annual, Decl Bal	1 Fee	16.00% fees	N/A	27.6% - 37.6%	27.6% - 37.6%	N/A
Micro Pensioner Loan	30.0%-32.0% annual, Decl Bal	1 Fee	16.00% fees	N/A	30.5% - 36.4%	30.5% - 36.9%	N/A
Low Salary Employees Loan	30.0%-32.0% annual, Decl Bal	1 Fee	16.00% fees	N/A	32.2% - 33.6%	32.2% - 33.6%	N/A
Individual Loan Against Gold	24.0% annual, Decl Bal	2 Fees	16.00% fees	N/A	25.1% - 26.1%	25.3% - 26.5%	N/A
Individual Loan Against Cash/Near Cash	4.0%-20.0% annual, Decl Bal	1 Fee	16.00% fees	N/A	4.6% - 25.2%	4.7% - 26.1%	N/A

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agriculture Finance	26.0%-38.4% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	29.1% - 33.8%	29.1% - 33.9%	N/A
Enterprise Finance	38.4% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	30% - 38.2%	30% - 38.2%	N/A
Livestock Finance (Short Term)	26.0%-38.4% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	27.8% - 40.2%	27.8% - 40.6%	N/A
Livestock Finance (Medium Term)	31.7%-40.9% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	32.1% - 44.6%	32.1% - 45.1%	N/A
General Purpose Finance	26.0%-38.4% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	27.6% - 37.6%	27.6% - 37.6%	N/A
Micro Pensioner Loan	30.0%-32.0% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	30.5% - 36.4%	30.5% - 36.9%	N/A
Low Salary Employees Loan	30.0%-32.0% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	32.2% - 33.6%	32.2% - 33.6%	N/A
Individual Loan Against Gold	24.0% annual, Decl Bal	2 Fees	0 Ins Ins	16.00% fees	N/A	25.1% - 26.1%	25.3% - 26.5%	N/A
Individual Loan Against Cash/Near Cash	4.0%-20.0% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	4.6% - 25.2%	4.7% - 26.1%	N/A

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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

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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

Total Borrowers of Samples

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