2. BOM
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  2. Luz del Valle
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Institution

Banco Oportunidades de Mo?ambique Av. 24 de Julho, 4136, Bairro MalangaMaputo
Data approved: 2012-01-21
Data version: 1
Age of data: -   months 
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Institution

Cooperativa Luz Del Valle Av. Abdon calderon 524 e ines gangotenaConcepcion y Santa Rita esquinaSangolqui, Pichincha
Data approved: 2010-11-08
Data version: 1
Age of data: 163 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.oportunity.org/
Year established2005
Head of InstitutionIan Campbell
Regions active0
# Branches19

Total Portfolio (nat'l)MT 156,407,961.90
Total Portfolio (USD)USD 5,045,418.13
Active clients with loans12,358
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsOpportunity International, AMOMIF
FundersOpportunity International UK, CIDA, DFID, UE

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addressN/A
Year established2002
Head of InstitutionJOSE JULIO GUALOTUÑA LEMA
Regions active
# Branches9

Total Portfolio (nat'l)USD 11,870,227.05
Total Portfolio (USD)USD 11,870,227.05
Active clients with loans6,420
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsFECOAC, Red Financiera Rural, COLAC, Financoop
Funders

Loan Products » Summary

Agricultura
187 Borrowers
Portfolio
Active Product
Individual
9,810 Borrowers
Portfolio
Active Product
Solidario
2,271 Borrowers
Portfolio
Active Product

Loan Products » Summary

Microluz
1,400 Borrowers
USD 3,200,000 Portfolio
Active Product
Oportuno
950 Borrowers
USD 600,000 Portfolio
Active Product
Quirofario
4,070 Borrowers
USD 7,500,000 Portfolio
Active 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
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 4 - 12 0% 60% - 80% Business Women, Men, Have business

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Microluz USD 1,500 - 10,000 1 - 24 40% - 60% 40% - 60% Business, Capital de tyrabajo, compra de activos, pago de de, Actividades inherentes al negocio Women, Men, Have business, existencia minima del negocio de un año Credit Ins
Oportuno USD 350 - 1,500 1 - 12 40% - 60% 20% - 40% Any Purpose Women, Men, Have business Credit Ins
Quirofario USD 500 - 20,000 1 - 72 40% - 60% 40% - 60% Any Purpose Women, Men, Salaried worker, propietario de casa si el monto es superior a $5,000 Credit Ins

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% annual, Decl Bal 1 Fee 0 Ins 1.00% loan amt 15.0% upfront 0% 0% N/A
Credito Individual 66.0% annual, Decl Bal 1 Fee 1 Ins 1.00% loan amt N/A 0% 0% N/A
Credito Solidario 36.0% annual, Flat 1 Fee 0 Ins 1.00% loan amt 15.0% upfront 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Microluz 19.0%-25.0% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront 20.3% - 25.3% 22.8% - 28.4% 77
Oportuno 22.5%-26.0% annual, Decl Bal 0 Fees 2 Ins None 10.0% upfront 24.3% - 24.7% 27.2% - 27.6% 82
Quirofario 13.6%-13.8% annual, Decl Bal 0 Fees 1 Ins None 10.0% upfront 13.9% - 14% 15.7% - 15.9% 86

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% annual, Decl Bal 1 Fee 0 Ins Ins 1.00% loan amt 15.0% upfront 0% 0% N/A
Credito Individual 66.0% annual, Decl Bal 1 Fee 1 Ins Ins 1.00% loan amt N/A 0% 0% N/A
Credito Solidario 36.0% annual, Flat 1 Fee 0 Ins Ins 1.00% loan amt 15.0% upfront 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Microluz 19.0%-25.0% annual, Decl Bal 1 Fee 0 Ins Ins None 10.0% upfront 20.3% - 25.3% 22.8% - 28.4% 77
Oportuno 22.5%-26.0% annual, Decl Bal 0 Fees 2 Ins Ins None 10.0% upfront 24.3% - 24.7% 27.2% - 27.6% 82
Quirofario 13.6%-13.8% annual, Decl Bal 0 Fees 1 Ins Ins None 10.0% upfront 13.9% - 14% 15.7% - 15.9% 86
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