| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.inmaa.ma |
| Year established | 1999 |
| Head of Institution | Hammou MOUSTAIN |
| Regions active | Rabat-Sale-Kenitra, Beni Mellal-Khenifra, Settat-Casablanca, Marrakesh-Safi, Drâa-Tafilalt |
| # Branches | 22 |
| Total Portfolio (nat'l) | MAD 18,210,886 |
| Total Portfolio (USD) | USD 2,142,457.18 |
| Active clients with loans | 5,347 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Sanabel, FNAM, RMS |
| Funders | JAIDA, Crédit Agricole du Maroc, Whole Planet |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.celim.it/ |
| Year established | 2008 |
| Head of Institution | Elisa Morrone |
| Regions active | |
| # Branches | 2 |
| Total Portfolio (nat'l) | ZMK 2,360,550,702 |
| Total Portfolio (USD) | USD 456,145.06 |
| Active clients with loans | 1,559 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Amiz, Mix Market |
| Funders | Rural Finance Programme/IFAD, European Union, CeLIM NGO |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Solidaire | MAD 500 - 10,000 | 4 - 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | ||||||||
| Intilaqa | MAD 1,000 - 10,000 | 4 - 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | ||||||||
| Anamaa | MAD 5,000 - 20,000 | 4 - 24 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Input Loan | ZMK 2,000,000 - 6,000,000 | 10 - 11 | 20% - 40% | 0% - 20% | Business, Agriculture | Women, Men, Small scale farmers, minimum one hectare | Business Training, Microcredit Scheme | |||||||
| Individual Loan | ZMK 500,000 - 7,000,000 | 4 - 12 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Credit Ins, Household Approach, Monthly follow up of clients | |||||||
| Salary Backed Loan | ZMK 500,000 - 7,000,000 | 2 - 10 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Salaried worker | ||||||||
| Solidarity Group Loan | ZMK 400,000 - 1,200,000 | 4 - 10 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | Record Keeping Training, Household Approach Training, Monthly Monitoring |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Solidaire | 24.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 44% - 45.7% | 45.2% - 51.2% | 50 | ||||||||
| Intilaqa | 24.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 42.9% - 43.2% | 43.4% - 49.4% | 53 | ||||||||
| Anamaa | 24.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 42.7% - 43.9% | 43% - 45.2% | 54 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Input Loan | 42.0% annual, Flat | 0 Fees | 1 Ins | None | N/A | 56.6% - 56.8% | 64.4% - 64.6% | 65 | ||||||||
| Individual Loan | 48.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 69.7% - 82.9% | 69.7% - 82.9% | 62 | ||||||||
| Salary Backed Loan | 30.0%-42.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 48.9% - 50.6% | 48.9% - 50.6% | 60 | ||||||||
| Solidarity Group Loan | 42.0%-60.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 68.6% - 96% | 68.6% - 96% | 50 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Solidaire | 24.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 44% - 45.7% | 45.2% - 51.2% | 50 | ||||||||
| Intilaqa | 24.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 42.9% - 43.2% | 43.4% - 49.4% | 53 | ||||||||
| Anamaa | 24.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 42.7% - 43.9% | 43% - 45.2% | 54 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Input Loan | 42.0% annual, Flat | 0 Fees | 1 Ins Ins | None | N/A | 56.6% - 56.8% | 64.4% - 64.6% | 65 | ||||||||
| Individual Loan | 48.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 69.7% - 82.9% | 69.7% - 82.9% | 62 | ||||||||
| Salary Backed Loan | 30.0%-42.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 48.9% - 50.6% | 48.9% - 50.6% | 60 | ||||||||
| Solidarity Group Loan | 42.0%-60.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 68.6% - 96% | 68.6% - 96% | 50 |
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