| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 2004 |
| Head of Institution | Ana Maria da C. Salvador |
| Regions active | 0 |
| # Branches | 3 |
| Total Portfolio (nat'l) | MZN 22,656,194 |
| Total Portfolio (USD) | USD 730,844.97 |
| Active clients with loans | 3,804 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | MIX Market, AMOMIF, AFRACA |
| Funders | FARE-Fundo de Apoio a Rehabilitacao Economica, UNCDF, Caixa Catalunya, BIM |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Agricultura | MZN 2,500 - 50,000 | 2 - 6 | 80% - 100% | 0% - 20% | Agriculture | Women, Men, Have business, Tem de ser agricultor/avicultor desde min 6 meses, 80% tem de ser mulher | Group Mtgs, Tech Asst Visits | |||||||
| Credito Geral | MZN 640 - 50,000 | 2 - 6 | 80% - 100% | 0% - 20% | Business, Consumer | Women, Have business, Salaried worker, 80% tem de ser mulher, tem de ser empres?rio ha pelo menos 6 meses ou ser salariado | Group Mtgs, Credit Ins, Tech Asst Visits | |||||||
| Credito Jovem | MZN 2,500 - 20,000 | 2 - 6 | 80% - 100% | 0% - 20% | Any Purpose | Women, Men, Specific age group, Pode n?·o ter experi?ncia , Idade 18-30 anos | Credit Educ, Group Mtgs |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Agricultura | 42.0% annual, Flat | 1 Fee | 1 Ins | None | 10.00% ongoing | 0% | 0% | N/A | ||||||||
| Credito Geral | 60.0% annual, Flat | 1 Fee | 1 Ins | None | 10.00% ongoing | 0% | 0% | N/A | ||||||||
| Credito Jovem | 42.0% annual, Flat | 1 Fee | 1 Ins | None | 10.00% ongoing | 0% | 0% | N/A |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| ACB-SA | 4,335 | 1,476,288 | 6 | 136 |
| Comicoka | 827 | 758,435 | 4 | 136 |
| COOJAD | 511 | 823,215 | 6 | 136 |
| COOPEDU | 2,029 | 7,549,835 | 9 | 136 |
| Duterimbere | 6,607 | 4,365,044 | 3 | 136 |
| Goshen | 2,076 | 3,716,008 | 5 | 153 |
| Inkingi | 2,648 | 2,593,366 | 5 | 153 |
| RML | 4,960 | 3,473,781 | 3 | 136 |
| UCU | 3,391 | 1,603,524 | 4 | 136 |
| Urwego | 37,900 | 14,755,000 | 6 | |
| Vision Finance | 14,226 | 3,474,646 | 6 | 153 |
| Wisigara | 2,177 | 904,708 | 3 | 136 |
| Zamuka | 253 | 124,445 | 3 | 136 |
| Zigama CSS | 53,806 | 59,670,753 | 2 | 153 |
| 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 |
| 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 | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
