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Fundo de Desenvolvimento da Mulher Estrada Nacional Numero 1 Fidel CastroXai-Xai, Gaza
Data approved: 2013-05-22
Data version: 2
Age of data: 136 months


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Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 16,892,497
Portfolio (USD)USD 555,674.24
Active Clients with Loans3,182
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Solidarity groupx
Village banking
Self help group
Para pequeno comercio, consumo, pequenas industrias, servicos
Loan Purpose
Any purpose
Income generationx
Consumer loanx
Other household finance
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visitsx
Business training
Other training
Other (2)
No other services
Must run a businessx
Must own a home or land
Must be a salaried workerx
Must be specific age group
Othertem de ser empresrio pelo menos 6 meses ou ser salariado
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution4
# Regions for this product4
Regions ActiveMaputo Capital, Maputo Province, Inhambane, Gaza

Loan Conditions

Loan Amount
Minimum loan sizeMZN 640
Maximum loan size350,000
Distribution at Disbursement (Est.)
Loans less than MZN 5,00010%
MZN 5,000-10,00040%
MZN 10,000-20,00020%
MZN 20,000-40,00010%
MZN 40,000-60,00010%
Greater than MZN 60,00010%
Loan Term and Grace Period
Shortest loan term2.0 months
Longest loan term6.0 months
Approx average4.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less50%
Between 4 and 6 months50%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Every 2 weeksx
Every 4 weeks
Every 2 months
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Lowest quoted nominal interest5.00%
Highest quoted nominal interest5.50%
Reason(s) why interest rate variesLoan Size
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionTaxa Administrativa
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min25
Fixed amount - max25
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionSeguro do Credito para caso de morte
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited10.00%
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Are taxes charged on this product?No

Full Pricing Data

Credito Geral samples
Sample 1Sample 2Sample 3Sample 4Sample 6
Loan AmountMZN 2,080MZN 3,000MZN 7,000MZN 12,920MZN 60,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-04-102013-05-022013-03-202013-03-102013-03-15
Loan Term (Months)2.4 months3.1 months3.1 months3.1 months3.1 months
Grace Period (Months)0.3 months-0.1 months0.0 months0.0 months0.0 months
Total Cost of CreditMZN 253.80MZN 505MZN 1,145MZN 2,092.20MZN 9,625
True Price by Comp         
Interest price component63.0%85.8%86.2%84.3%84.3%
Fee Component8.0%5.2%2.2%1.1%0.2%
Insurance Component6.8%6.3%6.4%6.2%6.2%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component2.0%4.8%4.6%4.2%4.1%
Full APR (int fee ins tax dep)79.8%102.1%99.4%95.8%94.8%
Transparency Index7559606363
Original Repayment SchedulePDFPDFPDFPDFPDF
Credito Geral Price Graphs

Caps / Zoom options
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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to