| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | N/A |
| Website address | http://www.concernuniversal.org/ |
| Year established | 2000 |
| Head of Institution | Ezikiel Phiri |
| Regions active | 0 |
| # Branches | 2 |
| Total Portfolio (nat'l) | MWK 185,000,000 |
| Total Portfolio (USD) | USD 1,233,333.33 |
| Active clients with loans | 40,000 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | MAMN, The MIX Market |
| Funders | Concern Universal, USAID, FIMA, Irish Aid |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fumba (Agricultural Loan) | MWK 5,000 - 40,000 | 6 | 80% - 100% | 0% - 20% | ||||||||||
| Masika (Village Enterprise Loan) | MWK 1,000 - 90,000 | 4 - 6 | 80% - 100% | 0% - 20% | ||||||||||
| Mtenthandevu (Small Holder Tea Growers) | MWK 5,000 - 100,000 | 4 - 6 | 40% - 60% | 0% - 20% |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fumba (Agricultural Loan) | 60.00% annual, Flat | 1 Fee | 0 Ins | N/A | 70.8% | 76% | ||||||||||
| Masika (Village Enterprise Loan) | 48.00%-72.00% annual, Flat | 2 Fees | 0 Ins | 90.4% - 92.6% | 107.2% - 109.9% | |||||||||||
| Mtenthandevu (Small Holder Tea Growers) | 48.00% annual, Flat | 1 Fee | 0 Ins | 48.4% - 48.7% | 54.7% - 57.3% |
| Outstanding portfolio (UGX) | UGX 332,173,514 |
| Portfolio (USD) | USD 150,988 |
| Active Clients with Loans | 286 |
| Approximate % Female Clients | 0% - 20% |
| Approximate % Urban Clients | 40% - 60% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | |
| Mortgage/housing | x |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | Land acquisition |
| Other (2) |
| Credit education | x |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | x |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
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| Loan Portfolio (USD) | |
| % Products using declining balance | |
| % Products with one or more fee | |
| % Products with one or more insurances | |
| % Products with compulsory deposits |
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