Please note that the information you are viewing is 133 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Banco ProCredit Av. Zedequias Manganhela N?? 267P.O. Box 1636Maputo, Maputo
Data approved: 2012-01-21
Data version: 1
Age of data: -   months 

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.bancoprocredit.co.mz/
Year established2000
Head of InstitutionYann Groeger
Regions active0
# Branches19

Total Portfolio (nat'l)MT 932,441,804
Total Portfolio (USD)USD 30,078,767.87
Active clients with loans9,492
Approximate % female clients20% - 40%
Approximate % urban clients80% - 100%
Network affiliationsProCredit Group
FundersProCredit Holding AG, DOEN Foundation, Fundo de Fomento de Habita??·o

Loan Products » Summary

3,580 Borrowers
USD 3,769,946 Portfolio
Active Product
781 Borrowers
USD 636,732 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan MZN 40,000 - 100,000 9 - 12 40% - 60% 80% - 100% Business Women, Men, Have business, Must have collateral Credit Educ, Group Mtgs, Business Training
Housing Loan MZN 40,000 - 75,000 9 - 18 20% - 40% 80% - 100% Housing Women, Men, Have home or land, Must have collateral Credit Educ, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 72.0% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A
Housing Loan 39.0% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A
Institution Price Graph
Please note that the information you are viewing is 163 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

COAC San José San Jose de Chimbo, calle Chimborazo 536 y 3 de MarzoCanton Chimbo, Provincia Bolivar
Data approved: 2010-11-08
Data version: 1
Age of data: 163 months

Product

Microcredito Grupal Pago Mensual Product 4 of 5 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (USD)USD 132,380.51
Portfolio (USD)USD 132,380.51
Active Clients with Loans397
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Microcredito es destinado a financiar actividades de produccion, comercialización o servicios, cuya fuente principal de pago constituye el producto de las ventas o ingresos. Los socios deben constituir un grupo entre ellos (MIN 10, MAX 30)
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherCapital de Trabajo
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 400
Maximum loan size4,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx average12.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest18.00%
Highest quoted nominal interest18.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionSeguro de Desgravamen
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited1.00%
or, Fixed-amount depositedUSD 2
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid3.00%
Maximum interest rate paid3.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Microcredito Grupal Pago Mensual samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 400USD 1,000USD 2,000USD 4,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-05-212010-05-202010-06-072010-05-14
Loan Term (Months)12.0 months12.0 months24.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component18.2%18.3%18.3%18.2%
Insurance Component0.0%0.4%0.4%0.4%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.9%0.4%0.4%0.3%
Full APR (int fee ins tax dep)19.1%19.1%19.1%18.9%
Transparency Index94949495
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Microcredito Grupal Pago Mensual Price Graphs


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