| 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 |
|---|---|---|---|---|
| Adhikar | 35,300 | 2,674,000 | 1 | 128 |
| AMPL | 0 | 0 | 0 | 128 |
| Arman | 41,500 | 529,107,000 | 1 | 128 |
| Arohan | 43,500 | 8,091,000 | 2 | 128 |
| ASA INDIA | 164,000 | 15,380,000 | 1 | 128 |
| Asirvad | 113,500 | 19,328,000 | 1 | 128 |
| Asmitha | 1,114,800 | 217,867,000 | 1 | 128 |
| Bandhan | 4,048,600 | 674,564,000 | 5 | 128 |
| Belstar | 123,000 | 23,945,000 | 2 | 106 |
| BSFL | 275,200 | 31,590,000 | 3 | 128 |
| Chaitanya | 20,700 | 3,748,000 | 3 | 128 |
| Disha Microfin | 69,000 | 14,332,000 | 2 | 128 |
| Equitas | 1,220,000 | 186,415,000 | 4 | 128 |
| ESAF | 354,200 | 43,500,000 | 5 | 128 |
| FFSL | 150,600 | 35,719,000 | 2 | 128 |
| Fusion | 66,800 | 9,820,000 | 2 | 128 |
| Grama Vidiyal | 738,200 | 102,101,000 | 1 | 128 |
| Grameen Koota | 586,600 | 83,555,000 | 15 | 130 |
| Janalakshmi | 506,000 | 119,077,000 | 2 | 128 |
| L & T Finance | 399,800 | 37,199,000 | 1 | 128 |
| MFL | 331,800 | 49,083,000 | 1 | 128 |
| MMFL | 175,000 | 23,752,000 | 2 | 128 |
| Mpower | 13,600 | 2,263,000 | 2 | 128 |
| Sahayata | 0 | 0 | 0 | 128 |
| Saija | 24,700 | 4,682,000 | 2 | 128 |
| Samasta | 45,500 | 4,809,000 | 2 | 128 |
| Satin | 405,600 | 90,174,000 | 2 | 128 |
| SCCI | 115,600 | 15,910,000 | 2 | 128 |
| Share | 2,195,400 | 376,727,000 | 1 | 128 |
| SKS | 3,409,000 | 355,029,000 | 2 | 128 |
| SMILE | 360,200 | 56,927,000 | 1 | 128 |
| SNFL | 9,400 | 1,779,000 | 1 | 128 |
| Sonata Finance | 158,200 | 22,724,000 | 3 | 130 |
| Spandana | 533,400 | 147,240,000 | 2 | 128 |
| Suryoday | 78,600 | 14,713,000 | 3 | 128 |
| SVCL | 118,200 | 18,886,000 | 1 | 128 |
| Swadhaar | 92,800 | 17,166,000 | 3 | 128 |
| Trident | 68,700 | 8,852,000 | 1 | 128 |
| Ujjivan | 913,300 | 160,848,000 | 5 | 128 |
| Utkarsh | 168,600 | 25,915,000 | 3 | 128 |
| VFS | 175,400 | 19,264,000 | 2 | 128 |
| Asomi | 50,300 | 4,743,000 | 2 | 160 |
| AES India | 3,600 | 286,000 | 1 | 160 |
| Arth | 2,900 | 611,000 | 2 | 160 |
| Asomi | 50,300 | 4,743,000 | 2 | 160 |
| Barasat GS | 1,100 | 99,508.02 | 1 | 160 |
| BJS | 6,000 | 468,000 | 1 | 160 |
| Cashpor | 417,000 | 50,452,000 | 1 | 159 |
| Credible | 10,000 | 1,669,540.36 | 2 | 160 |
| DIBAKAR | 1,800 | 145,000 | 1 | 159 |
| GOF | 65,200 | 5,388,000 | 4 | 159 |
| Hope | 62,600 | 4,407,000 | 1 | 157 |
| Jaago | 2,700 | 237,000 | 1 | 158 |
| LOK | 4,900 | 573,000 | 1 | 159 |
| Nano | 25,600 | 3,660,000 | 2 | 160 |
| NBSAAVS | 28,100 | 2,821,000 | 1 | 157 |
| Nirantara | 8,200 | 917,000 | 2 | 159 |
| Parama | 7,100 | 482,000 | 1 | 159 |
| Pragathi | 26,200 | 4,579,000 | 6 | 159 |
| PWMACS | 36,500 | 5,946,000 | 1 | 159 |
| Saadhana | 90,900 | 12,046,000 | 2 | 159 |
| Sambhav | 1,500 | 183,000 | 3 | 159 |
| Seba Rahara | 6,700 | 468,000 | 1 | 159 |
| SU | 61,100 | 5,498,000 | 1 | 159 |
| Swayanshree | 7,900 | 918,000 | 2 | 159 |
| Vikas Samiti | 1,600 | 168,000 | 1 | 159 |
| Vistaar | 4,300 | 1,157,000 | 2 | 157 |
| We The People | 1,100 | 244,000 | 2 | 159 |
| WEMCS | 1,100 | 85,000 | 1 | 159 |
| Yukti | 1,100 | 99,000 | 2 | 159 |
| Key Statistics | |
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| Loan Portfolio (USD) | |
| % Products using declining balance | |
| % Products with one or more fee | |
| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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