2. OIBM
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  2. APED
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Institution

Opportunity Bank of Malawi Private Bag A71Lilongwe, Central
Data approved: 2012-11-29
Data version: 2
Age of data: 136 months
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Institution

Association of Progressive Entrepreneurs in Development Head OfficeAccraP.O. Box CT 78 PMB
Data approved: 2013-02-15
Data version: 2
Age of data: 132 months
Choose version

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.oibm.mw/
Year established2003
Head of InstitutionCosmus Kowuoche
Regions activeDedza, Dowa, Kasungu, Lilongwe, Mchinji, Nkhotakota, Salima, ChitipaKaronga, Mzimba, Nkhata Bay, Rumphi, Blantyre, ChikwawaMangochi, Mulanje
# Branches33

Total Portfolio (nat'l)MWK 3,598,720,264
Total Portfolio (USD)USD 9,227,487.86
Active clients with loans52,649
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsOpportunity International, MAMN, Bankers Association of Malawi
FundersOpportunity Transformation Investment, Opportunity Microfinance Investment, Trust for Transformation, Africap

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.worldvision.org/
Year established2001
Head of InstitutionSpencer Badu
Regions activeGreater Accra Region, Central Region, Western Region, Eastern Region, Volta Region, Ashanti Region, Brong Ahafo Region, Northern Region, Upper East Region, Upper West Region
# Branches7

Total Portfolio (nat'l)GHS 3,697,508
Total Portfolio (USD)USD 1,876,907.61
Active clients with loans13,774
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsASSFIN, GHAMFIN, Vision Fund International
FundersWorld Vision International, Vision Fund International

Loan Products » Summary

Agriculture
10,659 Borrowers
USD 1,894,842.67 Portfolio
Active Product
Maziko
34,795 Borrowers
USD 1,628,382.90 Portfolio
Active Product
Mzati
2,306 Borrowers
USD 1,668,409 Portfolio
Active Product
Payroll
3,548 Borrowers
USD 1,315,788.54 Portfolio
Active Product

Loan Products » Summary

Farmer
3,045 Borrowers
USD 332,219.31 Portfolio
Active Product
Working
10,729 Borrowers
USD 1,544,688.13 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan MWK 200,000 - 50,000,000 3 - 48 20% - 40% 0% - 20% Business Women, Men, Running a farming enterprise Credit Educ, Group Mtgs, Credit Ins, Business Training
Masiko (Group) Loan MWK 140,000 - 2,800,000 4 - 9 40% - 60% 20% - 40% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training
Mzati (Individual) Loan MWK 50,000 - 1,000,000 3 - 12 40% - 60% 40% - 60% Business Women, Men, Have business, Have home or land, Must have assets as collateral Credit Educ, Credit Ins, Business Training, Other Training, Social Issues Training (HIV/AIDS, Gender, Vision Building),, Mthunzi (Shelter) Insurance
Payroll Loan MWK 15,000 - 4,000,000 3 - 48 20% - 40% 40% - 60% Any Purpose Women, Men, Salaried worker, Age must be above 18 years Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Farmer Loan GHS 300 - 7,000 6 - 8 60% - 80% 0% - 20% Business, Agriculture Women, Men, Have business, Specific age group, Must be resident in community near branch for at least on year Group Mtgs, Credit Ins, Business Training, Other Training, Extention Services
Working Capital Loan GHS 800 - 8,500 4 - 12 60% - 80% 20% - 40% Business Women, Men, Have business, Specific age group, Must be resident in community near branch for at least on year Group Mtgs, Credit Ins, Business Training, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 37.00%-40.00% annual, Decl Bal 1 Fee 0 Ins None 15.00% upfront 33.6% - 33.9% 38.7% - 39% 95
Masiko (Group) Loan 48.75% annual, Flat 1 Fee 0 Ins None 15.00% upfront 72.5% - 74.7% 90.5% - 94.1% 52
Mzati (Individual) Loan 42.00% annual, Flat 2 Fees 1 Ins None 15.00% upfront 70% - 111.5% 92.3% - 144.5% 39
Payroll Loan 45.00% annual, Decl Bal 1 Fee 0 Ins None N/A 34.7% - 45.7% 34.7% - 45.7% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Farmer Loan 39.00%-52.00% annual, Flat 2 Fees 1 Ins None 15.00%-20.00% upfront 43.1% - 51.9% 55.1% - 68% 65
Working Capital Loan 39.00%-52.00% annual, Flat 2 Fees 1 Ins None 15.00%-20.00% upfront 81.2% - 106.3% 119.1% - 182.5% 24

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 37.00%-40.00% annual, Decl Bal 1 Fee 0 Ins Ins None 15.00% upfront 33.6% - 33.9% 38.7% - 39% 95
Masiko (Group) Loan 48.75% annual, Flat 1 Fee 0 Ins Ins None 15.00% upfront 72.5% - 74.7% 90.5% - 94.1% 52
Mzati (Individual) Loan 42.00% annual, Flat 2 Fees 1 Ins Ins None 15.00% upfront 70% - 111.5% 92.3% - 144.5% 39
Payroll Loan 45.00% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 34.7% - 45.7% 34.7% - 45.7% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Farmer Loan 39.00%-52.00% annual, Flat 2 Fees 1 Ins Ins None 15.00%-20.00% upfront 43.1% - 51.9% 55.1% - 68% 65
Working Capital Loan 39.00%-52.00% annual, Flat 2 Fees 1 Ins Ins None 15.00%-20.00% upfront 81.2% - 106.3% 119.1% - 182.5% 24
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