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Banco Oportunidade de Mozambique Av. 24 de Julho, 4136, Bairro MalangaMaputo
Data approved: 2013-05-10
Data version: 2
Age of data: 122 months


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Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 1,071,377
Portfolio (USD)USD 35,242.66
Active Clients with Loans2,201
Approximate % Female Clients0
Approximate % Urban Clients60% - 80%
Solidarity groupx
Village banking
Self help group
Credito para pessoas de baixa renda que individualmente n?·o poderiam ter acesso ao credito por terem neg?cios extremamente pequenos e por n?·o estarem em condi???es de oferecer garantias exigidas em creditos individuais.
Loan Purpose
Any purpose
Income generationx
Consumer loan
Other household finance
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business training
Other training
Other (2)
No other servicesx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
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

Loan Conditions

Loan Amount
Minimum loan sizeMZN 1,000
Maximum loan size12,180
Distribution at Disbursement (Est.)
Loans less than MZN 5,00040%
MZN 5,000-10,00020%
MZN 10,000-20,00040%
MZN 20,000-40,0000
MZN 40,000-60,0000
Greater than MZN 60,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term8.0 months
Approx average8.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less10%
Between 4 and 6 months50%
Between 7 and 9 months40%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Every 2 weeksx
Every 4 weeks
Every 2 months
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Lowest quoted nominal interest6.00%
Highest quoted nominal interest6.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
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 - min1.72%
% of loan amount - max1.72%
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
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
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
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A

Full Pricing Data

Credito Solidario samples
Sample 1Sample 2Sample 3
Loan AmountMZN 6,000MZN 7,000MZN 9,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2014-05-152014-05-152014-05-15
Loan Term (Months)6.0 months6.0 months8.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditMZN 1,480.10MZN 1,618.40MZN 2,633.40
True Price by Comp     
Interest price component71.4%66.5%65.6%
Fee Component5.0%5.0%3.8%
Insurance Component0.0%0.0%0.0%
Tax Component1.3%1.3%1.3%
Deposit Component13.9%12.8%12.5%
Full APR (int fee ins tax dep)91.6%85.6%83.2%
Transparency Index798487
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Credito Solidario Price Graphs

Caps / Zoom options
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
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to