| 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? | Yes |
| Website address | http://www.concernuniversal.org/ |
| Year established | 2000 |
| Head of Institution | Ezikiel Phiri |
| Regions active | Dedza, Dowa, Lilongwe, Ntcheu, Salima, Balaka, Chiradzulu, MachingaMangochi, Mulanje, Nsanje |
| # Branches | 2 |
| Total Portfolio (nat'l) | MWK 231,643,414 |
| Total Portfolio (USD) | USD 593,957.47 |
| Active clients with loans | 48,013 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | MAMN, The MIX Market |
| Funders | Concern Universal, USAID, UNDP UNCDF through FIMA, Irish Aid |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fumba (Agricultural Loan) | MWK 10,000 - 50,000 | 6 | 60% - 80% | 0% - 20% | Business, Used for only working capital purpose | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training, Environmental & HIV & AIDS education | |||||||
| Masika (Village Enterprise Loan) | MWK 2,000 - 200,000 | 4 - 6 | 60% - 80% | 0% - 20% | Business, Used for only working capital purpose | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Business Training, Environmental and HIV-AIDS Education |
| 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fumba (Agricultural Loan) | 60.00% annual, Flat | 1 Fee | 1 Ins | None | 5.00% upfront | 71.1% | 80.3% | 74 | ||||||||
| Masika (Village Enterprise Loan) | 54.00%-72.00% annual, Flat | 1 Fee | 1 Ins | None | 5.00% upfront | 104.4% | 125.1% | 43 |
| 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fumba (Agricultural Loan) | 60.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.00% upfront | 71.1% | 80.3% | 74 | ||||||||
| Masika (Village Enterprise Loan) | 54.00%-72.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.00% upfront | 104.4% | 125.1% | 43 |
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