| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | N/A |
| Website address | http://www.microloanfoundation.org.uk/Home |
| Year established | 2002 |
| Head of Institution | James Kajamu Kajamu |
| Regions active | 0 |
| # Branches | 20 |
| Total Portfolio (nat'l) | MWK 260,000,000 |
| Total Portfolio (USD) | USD 1,733,333.33 |
| Active clients with loans | 22,690 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | MAMN |
| Funders | Microloan Foundation, UK |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.insotec-ec.com/ |
| Year established | 1980 |
| Head of Institution | José Lanusse |
| Regions active | |
| # Branches | 4 |
| Total Portfolio (nat'l) | USD 6,252,818 |
| Total Portfolio (USD) | USD 6,252,818 |
| Active clients with loans | 7,244 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Red Financiera Rural |
| Funders | SISTEMA NACIONAL MICROFINANZAS, SYMBIOTICS, TRIODOS, ETIMOS |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bridging Loan | MWK 65,000 - 180,000 | 6 - 10 | 80% - 100% | 0% - 20% | ||||||||||
| Irrigation Loan | MWK 10,000 - 100,000 | 3 - 7 | 80% - 100% | 0% - 20% | ||||||||||
| Knitting & Sewing / Life Skills Loan | MWK 10,000 - 70,000 | 3 - 8 | 80% - 100% | 0% - 20% | ||||||||||
| Standard Loan | MWK 6,000 - 60,000 | 4 | 80% - 100% | 0% - 20% |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CrediAgro | USD 300 - 10,000 | 4 - 30 | 40% - 60% | 0% - 20% | Business, Mejora Local | Women, Men, Have business | Credit Ins | |||||||
| CrediSimple | USD 300 - 10,000 | 4 - 30 | 40% - 60% | 60% - 80% | Business, Solo para capital de Trabajo, Activo Fijo,Mejora Local | Women, Men, Have business | Credit Ins | |||||||
| Emergente | USD 250 - 1,800 | 3 - 5 | 20% - 40% | 0% - 20% | Business, Other, Usar solo para capital de trabajo | Women, Men, Have business, Have home or land | Credit Ins | |||||||
| SINCO | USD 300 - 1,000 | 3 - 8 | 40% - 60% | 20% - 40% | Business, Usar solo para capital de trabajo | Women, Men, Have business, Have home or land, Propietario de Terreno | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bridging Loan | 48.00% annual, Flat | 0 Fees | 0 Ins | 72.3% | 103.5% | |||||||||||
| Irrigation Loan | 57.00% annual, Flat | 0 Fees | 0 Ins | 64.1% - 75.9% | 71.6% - 85.7% | |||||||||||
| Knitting & Sewing / Life Skills Loan | 54.00% annual, Flat | 0 Fees | 0 Ins | 76.6% - 105.9% | 127.9% - 188.2% | |||||||||||
| Standard Loan | 60.00% annual, Flat | 0 Fees | 0 Ins | 109.5% - 133.1% | 160.1% - 205.5% |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CrediAgro | 22.3%-26.9% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 24.8% - 27.3% | 28% - 30.5% | 75 | ||||||||
| CrediSimple | 24.5%-29.9% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 24.8% - 27.3% | 28.1% - 30.4% | 83 | ||||||||
| Emergente | 24.5%-26.9% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 27.2% - 27.3% | 30% - 30.3% | 81 | ||||||||
| SINCO | 24.5%-26.9% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 27.2% - 27.3% | 30.3% - 30.4% | 80 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bridging Loan | 48.00% annual, Flat | 0 Fees | 0 Ins Ins | 72.3% | 103.5% | |||||||||||
| Irrigation Loan | 57.00% annual, Flat | 0 Fees | 0 Ins Ins | 64.1% - 75.9% | 71.6% - 85.7% | |||||||||||
| Knitting & Sewing / Life Skills Loan | 54.00% annual, Flat | 0 Fees | 0 Ins Ins | 76.6% - 105.9% | 127.9% - 188.2% | |||||||||||
| Standard Loan | 60.00% annual, Flat | 0 Fees | 0 Ins Ins | 109.5% - 133.1% | 160.1% - 205.5% |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CrediAgro | 22.3%-26.9% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 24.8% - 27.3% | 28% - 30.5% | 75 | ||||||||
| CrediSimple | 24.5%-29.9% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 24.8% - 27.3% | 28.1% - 30.4% | 83 | ||||||||
| Emergente | 24.5%-26.9% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 27.2% - 27.3% | 30% - 30.3% | 81 | ||||||||
| SINCO | 24.5%-26.9% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 27.2% - 27.3% | 30.3% - 30.4% | 80 |
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