2. BOM
Please note that the information you are viewing is 119 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Codesarrollo
Please note that the information you are viewing is 163 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Banco Oportunidade de Mozambique Av. 24 de Julho, 4136, Bairro MalangaMaputo
Data approved: 2013-05-10
Data version: 2
Age of data: 119 months
Choose version

Institution

Codesarrollo Ladron de Guevara E13-408 Y BarcelonaQuito, Pichincha
Data approved: 2010-11-11
Data version: 1
Age of data: 163 months

Product

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Product

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Product Summary

Number borrowers5,318
Loan Amount (range)MZN 1,512 - 13,485
Loan Term (range)2 - 12
Other Services (text summary)Credit Educ, Group Mtgs, Tech Asst Visits
Annual Interest & Method36.0%-60.0% annual, Decl Bal
Fees3.00% ongoing
InsuranceNone
TaxNone
Comp Dep15.0% upfront
Range of pricing 
Interest Price Component32.8% - 71.4%
Fee Component1.9% - 5.0%
Insurance Component0 - 3.8%
Tax Component Range0 - 1.3%
Full APR (int fee ins tax dep)43.8% - 55.5%
Transparency Index (min/max)65 - 92
Transparency Index (average)76

Product Summary

3,957
USD 200 - 15,000
6 - 38
Credit Ins, Seguro de Desgravamen
16.0% annual, Decl Bal
None
None
None
N/A
 
N/A
16.0% (Int+Fee)
0
0
16.0%
0 - N/A
100

Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 9,310,950
Portfolio (USD)USD 306,281.25
Active Clients with Loans5,318
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Credito para apoiar pequenos agricultores sob forma de grupos.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution7
# Regions for this product6
Regions ActiveGaza, Sofala, Manica, Zambezia, Nampula, Tete

Product Details

Key Statistics
Outstanding portfolio (USD)USD 6,199,730
Portfolio (USD)USD 6,199,730
Active Clients with Loans3,957
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Está orientado a financiar las actividades productivas de organizaciones o empresas capmesinas. Grupo campesinos y populares solidarios y campesinos en forma individual.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
OtherSeguro de Desgravamen
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyMZN
Minimum loan sizeMZN 1,512
Maximum loan size13,485
Distribution at Disbursement (Est.)
Loans less than MZN 5,00030%
MZN 5,000-10,00040%
MZN 10,000-20,00030%
MZN 20,000-40,0000
MZN 40,000-60,0000
Greater than MZN 60,0000
Loan Term and Grace Period
Shortest loan term2.0 months
Longest loan term12.0 months
Approx average5.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less30%
Between 4 and 6 months20%
Between 7 and 9 months30%
Between 10 and 12 months20%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 200
Maximum loan size15,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term38.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest5.00%
Reason(s) why interest rate variesTime as Client, Declining balance; and flat for bullet loans with one single repayment.
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionTaxa Administrativa
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited15.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest16.00%
Highest quoted nominal interest16.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Credito Agricultura samples
Sample 1Sample 2Sample 3
Loan AmountMZN 11,000MZN 5,000MZN 9,500
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-03-062014-05-152014-05-15
Loan Term (Months)6.0 months6.0 months12.0 months
Grace Period (Months)0.1 months0.1 months0.2 months
Total Cost of CreditMZN 2,335.79MZN 1,050MZN 5,985
True Price by Comp     
Interest price component33.2%32.8%47.0%
Fee Component5.0%5.0%1.9%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component6.1%6.0%6.6%
Full APR (int fee ins tax dep)44.3%43.8%55.5%
Transparency Index818265
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Credidesarrollo samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 400USD 1,000USD 2,000USD 4,000USD 8,000USD 12,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-06-282010-05-282010-05-192010-05-282010-06-292010-07-07
Loan Term (Months)6.0 months16.0 months18.0 months40.0 months30.0 months30.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component16.0%16.0%16.0%16.0%16.0%16.0%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)16.0%16.0%16.0%16.0%16.0%16.0%
Transparency Index100100100100100100
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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