| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.bancoprocredit.co.mz/ |
| Year established | 2000 |
| Head of Institution | Yann Groeger |
| Regions active | Maputo Capital, Maputo Province, Gaza, Sofala, Nampula |
| # Branches | 19 |
| Total Portfolio (nat'l) | MZN 795,661,896.60 |
| Total Portfolio (USD) | USD 26,173,088.70 |
| Active clients with loans | 4,626 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | ProCredit Group |
| Funders | ProCredit Holding AG, DOEN Foundation, Fundo de Fomento de Habitacao |
| Institution Type | Public 'For Profit' |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 1987 |
| Head of Institution | NUAMAH-DANQUAH SAMUEL |
| Regions active | 0 |
| # Branches | 7 |
| Total Portfolio (nat'l) | GHS 12,442,540.61 |
| Total Portfolio (USD) | USD 8,295,027.07 |
| Active clients with loans | 8,963 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | ARB APEX BANK, GHAMFIN |
| Funders | SCIMP/IFAD, SPEED, ARB APEX BANK |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Lending | GHS 200 - 1,500 | 4 - 12 | 60% - 80% | 20% - 40% | Business, Education | Women, Men, Have business | Credit Educ, Group Mtgs, Tech Asst Visits | |||||||
| Micro Enterprise Loan | GHS 400 - 4,000 | 6 - 12 | 20% - 40% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Tech Asst Visits, Business Training | |||||||
| Susu Loan | GHS 200 - 8,000 | 6 | 20% - 40% | 40% - 60% | Business, Other, petty traders | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Other Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Lending | 29.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront | 99% - 109.1% | 160.7% - 182.8% | 16 | ||||||||
| Micro Enterprise Loan | 29.0% annual, Flat | 1 Fee | 0 Ins | None | 20.0% upfront | 48.7% - 69.9% | 72.2% - 113.4% | 30 | ||||||||
| Susu Loan | 29.0% annual, Flat | 1 Fee | 1 Ins | None | 50.0% upfront | 45.9% - 69.7% | 149.9% - 355.2% | 12 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Lending | 29.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.0% upfront | 99% - 109.1% | 160.7% - 182.8% | 16 | ||||||||
| Micro Enterprise Loan | 29.0% annual, Flat | 1 Fee | 0 Ins Ins | None | 20.0% upfront | 48.7% - 69.9% | 72.2% - 113.4% | 30 | ||||||||
| Susu Loan | 29.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 50.0% upfront | 45.9% - 69.7% | 149.9% - 355.2% | 12 |
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