Institution # Borrowers Portfolio (US$) Products Age of Data
ACAWE10016,000296
AfricaWorks6,5001,843,000858
AZADER2003,000297
BOM18,9006,422,000366
CCOM9,1002,995,000681
FDM7,2001,002,000481
Hluvuku-ADSEMA5,3002,959,000381
IRAM00081
ProCredit00081
Tchuma00081
SOCREMO-N/A108
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Institution

Fundo de Desenvolvimento da Mulher Estrada Nacional Numero 1 Fidel CastroXai-Xai, Gaza
Data approved: 2013-05-22
Data version: 2
Age of data: 81 months

Product

Credito Agricultura Product 1 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 7,521,548
Portfolio (USD)USD 247,419.34
Active Clients with Loans1,645
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Credito concedido para fins agricolas
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherTem de ser agricultor/avicultor desde min 6 meses
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution4
# Regions for this product3
Regions ActiveMaputo Province, Inhambane, Gaza

Loan Conditions

Loan Amount
CurrencyMZN
Minimum loan sizeMZN 640
Maximum loan size100,000
Distribution at Disbursement (Est.)
Loans less than MZN 5,00010%
MZN 5,000-10,00050%
MZN 10,000-20,00020%
MZN 20,000-40,00020%
MZN 40,000-60,0000
Greater than MZN 60,0000
Loan Term and Grace Period
Shortest loan term2.0 months
Longest loan term6.0 months
Approx average3.0 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 usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
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
CriteriaN/A
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
Taxes
Are taxes charged on this product?No

Full Pricing Data

Credito Agricultura samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountMZN 3,000MZN 4,600MZN 8,200MZN 12,920
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-05-102013-05-102013-04-102013-04-20
Loan Term (Months)3.1 months3.1 months2.0 months3.0 months
Grace Period (Months)0.1 months0.1 months0.0 months0.0 months
Total Cost of CreditMZN 325MZN 485MZN 599MZN 1,317
True Price by Comp       
Interest price component34.2%34.2%34.9%34.6%
Fee Component3.3%2.2%1.8%0.8%
Insurance Component4.1%4.0%6.1%4.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)41.6%40.4%42.8%39.4%
Transparency Index87898491
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Credito Agricultura Price Graphs


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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
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