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Institution

Caixa Comunitaria de Microfinancas Av. Das FPLM,832ICB e Loja de PeasMaputo
Data approved: 2013-05-09
Data version: 2
Age of data: 85 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

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 » 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 » 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
Institution Price Graph
Institution # Borrowers Portfolio (US$) Products Age of Data
AGFS20047,0002101
Ahantaman RB23,8009,896,000483
APED13,7001,876,000283
ASA Initiative4,400577,000483
ASA-Ghana71,60018,385,000283
ASPI80088,000683
Atwima Kwanwoma3,8001,788,000283
Baobab5,100967,000283
BestFUND13,0004,172,000383
Bonzali Rural10,4001,691,0004101
CashPhase83135,000283
CASUD1,100524,000183
CEDEF50054,000483
CFF10013,000183
CRAN3,6001,019,000283
DQF1,70063,000283
EASL9,20011,409,000683
East Mamprusi12,5002,268,000483
ELDA00083
EMPRETEC Ghana20056,000283
FASL13,50014,047,000883
Grameen Ghana9,500507,000383
ID-Ghana5,600953,000383
Innovative Finance2,700354,000383
Kraban Support7,700781,0005101
KRB4,0006,350,000383
Lower Pra RB34,0006,316,0003101
Maata-N-Tudu12,000941,000483
Mail Finance300288,000183
Markaz00083
Markaz Al Bishara10017,000183
MicrofinPlus Gh1,100251,000283
Nwabiagya RB4,0002,265,000383
OISL62,00027,232,000983
Pro Credit00083
Rich Step100101,000183
SAT147,60029,359,000483
Sekam Trust600137,000283
Simli Pong8,900463,0003101
SS Ghana20035,000183
TCCU10032,000383
The Bridge40032,0003101
Union RB3,8002,361,000483
Caps / Zoom options
Key Statistics
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Loan Portfolio (USD)
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% Products with compulsory deposits
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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