| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.oportunity.org/ |
| Year established | 2005 |
| Head of Institution | Ian Campbell |
| Regions active | Maputo Capital, Gaza, Sofala, Manica, Zambezia, Nampula, Tete |
| # Branches | 19 |
| Total Portfolio (nat'l) | MZN 216,104,944 |
| Total Portfolio (USD) | USD 7,108,715.26 |
| Active clients with loans | 18,942 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | Opportunity International, AMOMIF |
| Funders | Opportunity US and Opportunity UK, CIDA, DFID, UE |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Agricultura | MZN 1,512 - 13,485 | 2 - 12 | 40% - 60% | 0% - 20% | Business, Agriculture | Women, Men, Have business | Credit Educ, Group Mtgs, Tech Asst Visits | |||||||
| Credito Individual | MZN 5,000 - 103,093 | 4 - 12 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business | Credit Ins | |||||||
| Credito Solidario | MZN 1,000 - 12,180 | 3 - 8 | 0% | 60% - 80% | Business | Women, Men, Have business | Group Mtgs |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Agricultura | 36.0%-60.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 15.0% upfront | 37.8% - 48.9% | 43.8% - 55.5% | 76 | ||||||||
| Credito Individual | 66.0% annual, Decl Bal | 1 Fee | 1 Ins | N/A fixed | N/A | 68.6% - 71.1% | 71.8% - 76.2% | 90 | ||||||||
| Credito Solidario | 72.0% annual, Flat | 1 Fee | 0 Ins | N/A fixed | 10.0% upfront | 69.4% - 76.4% | 83.2% - 91.6% | 83 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| AgroCapital | 21,900 | 16,894,000 | 11 | 154 |
| ANED | 5,400 | 6,579,000 | 3 | 112 |
| Banco FIE | 231,100 | 569,322,000 | 6 | 112 |
| BancoSol | 215,300 | 861,418,000 | 30 | 112 |
| CIDRE | 8,500 | 126,578,000 | 8 | 112 |
| Coop Fatima | 6,300 | 44,280,000 | 7 | 154 |
| CRECER | 166,900 | 134,626,000 | 13 | 112 |
| Diaconia | 67,000 | 85,734,000 | 2 | 112 |
| Ecofuturo | 59,200 | 226,839,000 | 5 | 112 |
| EMPRENDER | 8,700 | 2,380,000 | 3 | 154 |
| Fassil FFP | 57,600 | 325,081,000 | 5 | 112 |
| FONCRESOL | 3,900 | 9,573,000 | 3 | 112 |
| FONDECO | 14,200 | 24,274,000 | 3 | 112 |
| Fortaleza | 20,100 | 164,530,000 | 13 | 112 |
| FUBODE | 29,400 | 24,444,000 | 7 | 112 |
| FUNBODEM | 8,600 | 15,798,000 | 9 | 112 |
| IDEPRO | 10,400 | 40,479,000 | 2 | 112 |
| IMPRO | 2,400 | 2,885,000 | 4 | 112 |
| ProCredit | 84,300 | 257,487,000 | 8 | 154 |
| PRODEM | 44,900 | 62,529,000 | 4 | 112 |
| ProMujer BOL | 115,200 | 50,753,000 | 3 | 112 |
| Sartawi | 14,600 | 26,842,000 | 8 | 112 |
| Key Statistics | |
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| % Products with one or more insurances | |
| % Products with compulsory deposits |
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