Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | N/A |
Year established | 1986 |
Head of Institution | Gloria Ines Navarro De Clausen |
Regions active | |
# Branches | 14 |
Total Portfolio (nat'l) | COP 9,582,555,960 |
Total Portfolio (USD) | USD 5,265,140.64 |
Active clients with loans | 7,917 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 40% - 60% |
Network affiliations | Emprender, Asomicrofinanzas |
Funders | CORUNIVERSITARIA, FELDESPATOS EL VERGEL, FENALCO TOLIMA, SURAMERICANA DE SEGUROS |
Institution Type | Credit Union / Cooperative |
Is this institution regulated? | Yes |
Website address | N/A |
Year established | 2004 |
Head of Institution | Kingsley Mulewa |
Regions active | Lilongwe, Mchinji, Salima, Mzimba, Blantyre |
# Branches | 5 |
Total Portfolio (nat'l) | MWK 106,822,473.20 |
Total Portfolio (USD) | USD 273,903.78 |
Active clients with loans | 4,221 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 60% - 80% |
Network affiliations | MUSCCO, MAMN |
Funders | Hivos, Cordaid, MUSSCO |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Activos Fijos | COP 300,000 - 13,390,000 | 3 - 36 | 40% - 60% | 40% - 60% | Activo Fijo | Women, Men, Have business, Specific age group, SER UN PROCESO DE PRODUCCION, COMERCIO O SERVICIO | Credit Ins | |||||||
Capital de Trabajo | COP 300,000 - 13,390,000 | 3 - 24 | 60% - 80% | 40% - 60% | Business, Capital de Trabajo | Women, Men, Have business, Specific age group, pueden realizar actividades de producción, comercio o servicios. | Credit Ins | |||||||
Libre Inversion | COP 535,600 - 535,600 | 3 - 12 | 40% - 60% | 40% - 60% | Any Purpose | Women, Men, Have business, Have home or land, Salaried worker | Credit Ins, FRG, Estudios de Crédito |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Mpamba (Individual Business Loan) | MWK 6,000 - 1,500,000 | 3 - 12 | 40% - 60% | 60% - 80% | Business, Housing, Consumer, Education | Women, Men, Have business, Have home or land | Credit Educ, Credit Ins, Business Training | |||||||
Mwai wa Mayi (Female Group Loan) | MWK 5,000 - 500,000 | 6 | 80% - 100% | 60% - 80% | Business | Women, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
Phindu (Group Business) | MWK 5,000 - 500,000 | 6 - 12 | 20% - 40% | 20% - 40% | Business | Women, Men, Have business, Salaried worker | Credit Educ, Group Mtgs, Credit Ins, Business Training | |||||||
Pompopompo (Emergency Loan) | MWK 1,120 - 30,000 | 2 - 5 | 40% - 60% | 80% - 100% | Other | Women, Men, Have business, Salaried worker | Credit Educ, Credit Ins | |||||||
Umphawi (Share Oriented Loan) | MWK 5,000 - 1,500,000 | 3 - 12 | 0% - 20% | 20% - 40% | Any Purpose | Women, Men, Have business, Salaried worker | ||||||||
Payroll Loan | MWK 5,000 - 1,500,000 | 3 - 12 | 20% - 40% | 40% - 60% | Any Purpose | Women, Men, Salaried worker | Credit Educ |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Activos Fijos | 25.2%-29.5% annual, Decl Bal | 1 Fee | 2 Ins | None | N/A | 40.8% - 48.9% | 43.3% - 54% | 53 | ||||||||
Capital de Trabajo | 25.2%-29.5% annual, Decl Bal | 1 Fee | 2 Ins | None | N/A | 38.4% - 48.2% | 43.6% - 55.2% | 49 | ||||||||
Libre Inversion | 25.2%-29.5% annual, Decl Bal | 1 Fee | 2 Ins | None | N/A | 0% | 0% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Mpamba (Individual Business Loan) | 32.00%-42.00% annual, Flat | 1 Fee | 1 Ins | None | 50.00% upfront | 60.1% - 78.9% | 187.8% - 297% | 12 | ||||||||
Mwai wa Mayi (Female Group Loan) | 45.00% annual, Flat | 1 Fee | 1 Ins | None | 33.33% upfront | 82.1% - 82.8% | 177% - 177.8% | 25 | ||||||||
Phindu (Group Business) | 45.00% annual, Flat | 1 Fee | 1 Ins | None | 33.33% upfront | 82.3% - 83.4% | 176.4% - 179.8% | 25 | ||||||||
Pompopompo (Emergency Loan) | 36.00% annual, Flat | 1 Fee | 1 Ins | None | 50.00% upfront | 79.4% - 83.5% | 298.2% - 308.4% | 11 | ||||||||
Umphawi (Share Oriented Loan) | 42.00% annual, Flat | 1 Fee | 1 Ins | None | 50.00% upfront | 74.8% - 79% | 233.9% - 303.8% | 15 | ||||||||
Payroll Loan | 38.00% annual, Flat | 1 Fee | 1 Ins | None | 50.00% upfront | 68.8% - 74% | 223.1% - 291.3% | 16 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Activos Fijos | 25.2%-29.5% annual, Decl Bal | 1 Fee | 2 Ins Ins | None | N/A | 40.8% - 48.9% | 43.3% - 54% | 53 | ||||||||
Capital de Trabajo | 25.2%-29.5% annual, Decl Bal | 1 Fee | 2 Ins Ins | None | N/A | 38.4% - 48.2% | 43.6% - 55.2% | 49 | ||||||||
Libre Inversion | 25.2%-29.5% annual, Decl Bal | 1 Fee | 2 Ins Ins | None | N/A | 0% | 0% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Mpamba (Individual Business Loan) | 32.00%-42.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 50.00% upfront | 60.1% - 78.9% | 187.8% - 297% | 12 | ||||||||
Mwai wa Mayi (Female Group Loan) | 45.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 33.33% upfront | 82.1% - 82.8% | 177% - 177.8% | 25 | ||||||||
Phindu (Group Business) | 45.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 33.33% upfront | 82.3% - 83.4% | 176.4% - 179.8% | 25 | ||||||||
Pompopompo (Emergency Loan) | 36.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 50.00% upfront | 79.4% - 83.5% | 298.2% - 308.4% | 11 | ||||||||
Umphawi (Share Oriented Loan) | 42.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 50.00% upfront | 74.8% - 79% | 233.9% - 303.8% | 15 | ||||||||
Payroll Loan | 38.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 50.00% upfront | 68.8% - 74% | 223.1% - 291.3% | 16 |
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 ∞ |