Institution Type | Non-Governmental Organization |
Is this institution regulated? | Yes |
Website address | N/A |
Year established | 1998 |
Head of Institution | Enoque Raimundo Changamo |
Regions active | Maputo Capital, Maputo Province, Gaza, Cabo Delgado |
# Branches | 12 |
Total Portfolio (nat'l) | MZN 91,065,272.39 |
Total Portfolio (USD) | USD 2,995,568.17 |
Active clients with loans | 12,816 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 40% - 60% |
Network affiliations | AMOMIF, MAIN |
Funders | Agencia Francesa de Desenvolvimento AFD, Uniao Europeia, FARE, ADIPSA |
Institution Type | Cooperative |
Is this institution regulated? | N/A |
Website address | N/A |
Year established | 2005 |
Head of Institution | Jean Damascene NKURIKIYINKA |
Regions active | 0 |
# Branches | 1 |
Total Portfolio (nat'l) | RWF 428,273,891 |
Total Portfolio (USD) | USD 725,887.95 |
Active clients with loans | 682 |
Approximate % female clients | 20% - 40% |
Approximate % urban clients | 0% - 20% |
Network affiliations | AMIR |
Funders | AQUADEV |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Credito Individual CCOM | MZN 10,000 - 100,000 | 6 - 12 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training | |||||||
Credito Individual | MZN 10,000 - 100,000 | 6 - 12 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Tech Asst Visits, Business Training, Other Training | |||||||
Credito Individual Sem Avalista | MZN 10,000 - 100,000 | 4 - 12 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training | |||||||
Grupo Solidario Pequeno Grupo Micronegocios | MZN 4,000 - 50,000 | 6 - 12 | 40% - 60% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | ||||||||
Grupo Solidario Pequeno Grupo Comercio | MZN 10,000 - 45,000 | 6 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men, Have business, Have home or land, Salaried worker | ||||||||
GSGF Credito a Agricultura | MZN 30 - 100,000 | 8 - 12 | 40% - 60% | 0% - 20% | Agriculture | Women, Men, Have business, Have home or land | Credit Educ, Credit Ins |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Ordinaire 30% | RWF 12,000 - 5,000,000 | 3 - 36 | 0% - 20% | 0% - 20% | ||||||||||
Ordinaire 18% | 0 | 0 | 0% - 20% | 0% - 20% | ||||||||||
Ordinaire 19% | RWF 1,000,000 - 5,000,000 | 13 - 36 | 20% - 40% | 0% - 20% | ||||||||||
Urgence 60% | 0 | 0 | 0% - 20% | 0% - 20% |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Credito Individual CCOM | 54.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 30.0% upfront | 51% - 54.6% | 96.8% - 108% | 53 | ||||||||
Credito Individual | 54.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 12.0% upfront | 51.6% - 53.3% | 66.4% - 69.6% | 79 | ||||||||
Credito Individual Sem Avalista | 54.0% annual, Decl Bal | 1 Fee | 1 Ins | None | None | 53% - 54% | 55.8% - 57.5% | 95 | ||||||||
Grupo Solidario Pequeno Grupo Micronegocios | 54.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 33.3% upfront | 53.9% - 54.5% | 116.5% - 118.1% | 45 | ||||||||
Grupo Solidario Pequeno Grupo Comercio | 54.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 33.3% upfront | 54% - 54.4% | 116.9% - 117.8% | 46 | ||||||||
GSGF Credito a Agricultura | 36.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 20.0% upfront | 33.6% - 34.8% | 42.9% - 45.3% | 82 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Ordinaire 30% | 30.00% annual, Decl Bal | 1 Fee | 1 Ins | 0% - 36.8% | 31.5% - 54.1% | |||||||||||
Ordinaire 18% | 0.00% annual, 0 | 0 Fees | 0 Ins | 0% - 37.9% | 30.1% - 59.9% | |||||||||||
Ordinaire 19% | 19.00% annual, Decl Bal | 1 Fee | 1 Ins | 20.6% - 23.5% | 30.2% - 33% | |||||||||||
Urgence 60% | 0.00% annual, 0 | 0 Fees | 0 Ins | 0% - 73.7% | 68% - 75.4% |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Credito Individual CCOM | 54.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 30.0% upfront | 51% - 54.6% | 96.8% - 108% | 53 | ||||||||
Credito Individual | 54.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 12.0% upfront | 51.6% - 53.3% | 66.4% - 69.6% | 79 | ||||||||
Credito Individual Sem Avalista | 54.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | None | 53% - 54% | 55.8% - 57.5% | 95 | ||||||||
Grupo Solidario Pequeno Grupo Micronegocios | 54.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 33.3% upfront | 53.9% - 54.5% | 116.5% - 118.1% | 45 | ||||||||
Grupo Solidario Pequeno Grupo Comercio | 54.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 33.3% upfront | 54% - 54.4% | 116.9% - 117.8% | 46 | ||||||||
GSGF Credito a Agricultura | 36.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 20.0% upfront | 33.6% - 34.8% | 42.9% - 45.3% | 82 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Ordinaire 30% | 30.00% annual, Decl Bal | 1 Fee | 1 Ins Ins | 0% - 36.8% | 31.5% - 54.1% | |||||||||||
Ordinaire 18% | 0.00% annual, 0 | 0 Fees | 0 Ins Ins | 0% - 37.9% | 30.1% - 59.9% | |||||||||||
Ordinaire 19% | 19.00% annual, Decl Bal | 1 Fee | 1 Ins Ins | 20.6% - 23.5% | 30.2% - 33% | |||||||||||
Urgence 60% | 0.00% annual, 0 | 0 Fees | 0 Ins Ins | 0% - 73.7% | 68% - 75.4% |
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