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Caixa Comunitaria de Microfinancas Av. Das FPLM,832ICB e Loja de PeasMaputo
Data approved: 2013-05-09
Data version: 2
Age of data: 135 months


GSGF Credito a Agricultura Product 6 of 6 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 3,075,757.82
Portfolio (USD)USD 101,176.24
Active Clients with Loans1,185
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Solidarity groupx
Village banking
Self help group
Credito concedito aos pequenos agricultores com actividade agricola ja aviada.Estes clientes recebem o financiamento dentro de um grupo e devem fornecer a CCOM uma garantia financeira
Loan Purpose
Any purpose
Income generation
Consumer loan
Other household finance
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other (2)
No other services
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age group
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution4
# Regions for this product4
Regions ActiveMaputo Capital, Maputo Province, Gaza, Cabo Delgado

Loan Conditions

Loan Amount
Minimum loan sizeMZN 30
Maximum loan size100,000
Loan Term and Grace Period
Shortest loan term8.0 months
Longest loan term12.0 months
Approx average9.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Every 2 weeks
Every 4 weeks
Every 2 months
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCobertura de despesas administrativas
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionRelativo a cobertura em caso de falecimento
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Are taxes charged on this product?No

Full Pricing Data

GSGF Credito a Agricultura samples
Sample 3Sample 4Sample 5
Loan AmountMZN 15,000MZN 30,000MZN 45,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-01-232013-01-142013-05-29
Loan Term (Months)8.0 months8.0 months6.0 months
Grace Period (Months)2.1 months2.2 months0.1 months
Total Cost of CreditMZN 3,900MZN 7,800MZN 9,000
True Price by Comp     
Interest price component32.3%32.1%32.8%
Fee Component1.5%1.5%2.0%
Insurance Component1.6%1.5%2.1%
Tax Component0.0%0.0%0.0%
Deposit Component7.8%7.8%8.4%
Full APR (int fee ins tax dep)43.2%42.9%45.3%
Transparency Index838479
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
GSGF Credito a Agricultura Price Graphs

Caps / Zoom options
Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

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Greater than:
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