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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
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Institution

The Centre for Community Organisation and Development Head OfficeLilongwePO Box 2109
Data approved: 2012-12-04
Data version: 2
Age of data: 136 months
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Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.oportunity.org/
Year established2005
Head of InstitutionIan Campbell
Regions activeMaputo Capital, Gaza, Sofala, Manica, Zambezia, Nampula, Tete
# Branches19

Total Portfolio (nat'l)MZN 216,104,944
Total Portfolio (USD)USD 7,108,715.26
Active clients with loans18,942
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsOpportunity International, AMOMIF
FundersOpportunity US and Opportunity UK, CIDA, DFID, UE

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established2003
Head of InstitutionSiku Nkhoma
Regions activeDedza, Dowa, Kasungu, Lilongwe, Ntcheu, Salima, ChitipaKaronga, Mzimba, Nkhata Bay, Rumphi, Balaka, Blantyre, Chikwawa, Chiradzulu, Machinga, Mulanje
# Branches1

Total Portfolio (nat'l)MWK 250,550,466.50
Total Portfolio (USD)USD 642,437.09
Active clients with loans2,351
Approximate % female clients80% - 100%
Approximate % urban clients60% - 80%
Network affiliationsSlum Dwellers International, MAMN, Malawi Homeless People's Federation
FundersSlum Dwellers International, Homeless International, African Development Bank, WASTE

Loan Products » Summary

Agricultura
5,318 Borrowers
USD 306,281.25 Portfolio
Active Product
Individual
11,423 Borrowers
USD 6,080,858.36 Portfolio
Active Product
Solidario
2,201 Borrowers
USD 35,242.66 Portfolio
Active Product

Loan Products » Summary

Business
139 Borrowers
USD 2,375.73 Portfolio
Active Product
Home
334 Borrowers
USD 4,065.71 Portfolio
Active Product
Sanitation
870 Borrowers
USD 132,828.60 Portfolio
Active Product
Water
255 Borrowers
USD 14,796.76 Portfolio
Active Product
Home Loan
Retired Product

Loan Products » Conditions

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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan MWK 10,000 - 10,000 6 80% - 100% 80% - 100% Business, Can only be used for working capital Women, Men, Must be a member of the Malawi Homeless People's Federation. Business Training
Home Improvement Loan MWK 20,000 - 20,000 24 80% - 100% 80% - 100% Housing Women, Men, Must be a member of the Malawi Homeless People's Federation
Sanitation Loan MWK 40,000 - 100,000 24 80% - 100% 80% - 100% Sanitation Women, Men, Residents from the peri urban areas
Water Loan MWK 18,000 - 120,000 24 60% - 80% 80% - 100% water supply Women, Men, Residents from the peri urban areas

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 24.00% annual, Decl Bal 0 Fees 0 Ins None 10.00% upfront 16.8% 16.8% 100
Home Improvement Loan 12.00% annual, Decl Bal 0 Fees 0 Ins None 10.00% upfront 10.9% 10.9% 100
Sanitation Loan 12.00% annual, Decl Bal 0 Fees 0 Ins None 10.00% upfront 10.9% 10.9% 100
Water Loan 12.00% annual, Decl Bal 0 Fees 0 Ins None 10.00% upfront 10.9% - 11% 10.9% - 11% 100

Loan Products » Pricing Information

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 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 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 Ins N/A fixed 10.0% upfront 69.4% - 76.4% 83.2% - 91.6% 83

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 24.00% annual, Decl Bal 0 Fees 0 Ins Ins None 10.00% upfront 16.8% 16.8% 100
Home Improvement Loan 12.00% annual, Decl Bal 0 Fees 0 Ins Ins None 10.00% upfront 10.9% 10.9% 100
Sanitation Loan 12.00% annual, Decl Bal 0 Fees 0 Ins Ins None 10.00% upfront 10.9% 10.9% 100
Water Loan 12.00% annual, Decl Bal 0 Fees 0 Ins Ins None 10.00% upfront 10.9% - 11% 10.9% - 11% 100
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