Please note that the information you are viewing is 133 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 147 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Caixa Comunitaria de Microfinancas Av. Das FPLM,832ICB e Loja de PeasMaputo
Data approved: 2013-05-09
Data version: 2
Age of data: 133 months

Institution

Wisdom Microfinance Institution S.Co Bole Sub CityAddis Ababa31478
Data approved: 2012-03-12
Data version: 1
Age of data: 147 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established1998
Head of InstitutionEnoque Raimundo Changamo
Regions activeMaputo Capital, Maputo Province, Gaza, Cabo Delgado
# Branches12

Total Portfolio (nat'l)MZN 91,065,272.39
Total Portfolio (USD)USD 2,995,568.17
Active clients with loans12,816
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsAMOMIF, MAIN
FundersAgencia Francesa de Desenvolvimento AFD, Uniao Europeia, FARE, ADIPSA

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1998
Head of InstitutionWorku Tsega
Regions active
# Branches51

Total Portfolio (nat'l)ETB 119,816,176
Total Portfolio (USD)USD 6,511,748.70
Active clients with loans45,331
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsAEMFI, Vision Fund International
FundersWorld Vision

Loan Products » Summary

1,080 Borrowers
USD 720,306.95 Portfolio
Active Product
162 Borrowers
USD 118,252.57 Portfolio
Active Product
322 Borrowers
USD 244,837.76 Portfolio
Active Product
4,878 Borrowers
USD 985,119.45 Portfolio
Active Product
1,564 Borrowers
USD 825,875.20 Portfolio
Active Product
1,185 Borrowers
USD 101,176.24 Portfolio
Active Product

Loan Products » Summary

243 Borrowers
USD 44,990.27 Portfolio
Active Product
34,703 Borrowers
USD 4,164,431.74 Portfolio
Active Product
5,095 Borrowers
USD 382,694.08 Portfolio
Active Product
3,354 Borrowers
USD 261,871.36 Portfolio
Active Product
61 Borrowers
USD 6,850.54 Portfolio
Active Product
1,875 Borrowers
USD 639,486.30 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credito Individual CCOM MZN 10,000 - 100,000 6 - 12 40% - 60% 60% - 80% Business Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Credito Individual MZN 10,000 - 100,000 6 - 12 40% - 60% 60% - 80% Business Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Tech Asst Visits, Business Training, Other Training
Credito Individual Sem Avalista MZN 10,000 - 100,000 4 - 12 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Grupo Solidario Pequeno Grupo Micronegocios MZN 4,000 - 50,000 6 - 12 40% - 60% 60% - 80% Any Purpose Women, Men, Have business, Have home or land
Grupo Solidario Pequeno Grupo Comercio MZN 10,000 - 45,000 6 40% - 60% 80% - 100% Any Purpose Women, Men, Have business, Have home or land, Salaried worker
GSGF Credito a Agricultura MZN 30 - 100,000 8 - 12 40% - 60% 0% - 20% Agriculture Women, Men, Have business, Have home or land Credit Educ, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agri-business Loan ETB 3,000 - 5,000 6 - 12 60% - 80% 0% - 20% Business, Agriculture Women, Men Credit Educ, Group Mtgs, Credit Ins
Agricultural Loan ETB 2,500 - 4,500 6 - 12 60% - 80% 0% - 20% Business, Agriculture Women, Men, 75% of group members has to be women Credit Educ, Group Mtgs, Credit Ins
Business Loan ETB 3,000 - 5,000 6 - 12 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Consumption Loan ETB 3,000 - 5,000 10 - 24 60% - 80% 20% - 40% Any Purpose Men, Salaried worker Credit Educ, Group Mtgs
Enterprise loan ETB 4,500 - 8,000 9 - 12 60% - 80% 80% - 100% Business Women, Men, Have business, Must have at least one employee, Must have at least a certain minimum capital limit. Credit Educ, Group Mtgs, Credit Ins
Individual Loan ETB 4,000 - 50,000 9 - 24 60% - 80% 80% - 100% Business Women, Men Credit Educ, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito Individual CCOM 54.0% annual, Decl Bal 1 Fee 1 Ins None 30.0% upfront 51% - 54.6% 96.8% - 108% 53
Credito Individual 54.0% annual, Decl Bal 1 Fee 1 Ins None 12.0% upfront 51.6% - 53.3% 66.4% - 69.6% 79
Credito Individual Sem Avalista 54.0% annual, Decl Bal 1 Fee 1 Ins None None 53% - 54% 55.8% - 57.5% 95
Grupo Solidario Pequeno Grupo Micronegocios 54.0% annual, Decl Bal 1 Fee 1 Ins None 33.3% upfront 53.9% - 54.5% 116.5% - 118.1% 45
Grupo Solidario Pequeno Grupo Comercio 54.0% annual, Decl Bal 1 Fee 1 Ins None 33.3% upfront 54% - 54.4% 116.9% - 117.8% 46
GSGF Credito a Agricultura 36.0% annual, Decl Bal 1 Fee 1 Ins None 20.0% upfront 33.6% - 34.8% 42.9% - 45.3% 82

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agri-business Loan 17.5% annual, Flat 1 Fee 1 Ins None 10.0% upfront 10.00 ongoing 38.7% 55.6% 31
Agricultural Loan 19.5% annual, Flat 1 Fee 1 Ins None 15.0% upfront 10.00 ongoing 22.1% 28.1% 69
Business Loan 15.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 10.00 ongoing 33.2% 47.3% 32
Consumption Loan 17.5% annual, Flat 1 Fee 1 Ins None 15.0% upfront 38.7% 56.2% 31
Enterprise loan 15.0% annual, Flat 1 Fee 0 Ins None 10.0% upfront 10.00 ongoing 22.9% - 31.9% 30.1% - 76.9% 35
Individual Loan 15.0% annual, Flat 1 Fee 1 Ins None N/A 31.6% - 32.9% 35.8% - 38.8% 41

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito Individual CCOM 54.0% annual, Decl Bal 1 Fee 1 Ins Ins None 30.0% upfront 51% - 54.6% 96.8% - 108% 53
Credito Individual 54.0% annual, Decl Bal 1 Fee 1 Ins Ins None 12.0% upfront 51.6% - 53.3% 66.4% - 69.6% 79
Credito Individual Sem Avalista 54.0% annual, Decl Bal 1 Fee 1 Ins Ins None None 53% - 54% 55.8% - 57.5% 95
Grupo Solidario Pequeno Grupo Micronegocios 54.0% annual, Decl Bal 1 Fee 1 Ins Ins None 33.3% upfront 53.9% - 54.5% 116.5% - 118.1% 45
Grupo Solidario Pequeno Grupo Comercio 54.0% annual, Decl Bal 1 Fee 1 Ins Ins None 33.3% upfront 54% - 54.4% 116.9% - 117.8% 46
GSGF Credito a Agricultura 36.0% annual, Decl Bal 1 Fee 1 Ins Ins None 20.0% upfront 33.6% - 34.8% 42.9% - 45.3% 82

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agri-business Loan 17.5% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 10.00 ongoing 38.7% 55.6% 31
Agricultural Loan 19.5% annual, Flat 1 Fee 1 Ins Ins None 15.0% upfront 10.00 ongoing 22.1% 28.1% 69
Business Loan 15.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 10.00 ongoing 33.2% 47.3% 32
Consumption Loan 17.5% annual, Flat 1 Fee 1 Ins Ins None 15.0% upfront 38.7% 56.2% 31
Enterprise loan 15.0% annual, Flat 1 Fee 0 Ins Ins None 10.0% upfront 10.00 ongoing 22.9% - 31.9% 30.1% - 76.9% 35
Individual Loan 15.0% annual, Flat 1 Fee 1 Ins Ins None N/A 31.6% - 32.9% 35.8% - 38.8% 41
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Key Statistics
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Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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