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
Please note that the information you are viewing is 153 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Caixa Comunitaria de Microfinancas Av. Das FPLM,832ICB e Loja de PeasMaputo
Data approved: 2013-05-09
Data version: 2
Age of data: 133 months

Institution

IMF Inkingi Head OfficeKigaliPO Box 2977
Data approved: 2011-09-16
Data version: 1
Age of data: 153 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established1998
Head of InstitutionEnoque Raimundo Changamo
Regions activeMaputo Capital, Maputo Province, Gaza, Cabo Delgado
# Branches12

Total Portfolio (nat'l)MZN 91,065,272.39
Total Portfolio (USD)USD 2,995,568.17
Active clients with loans12,816
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsAMOMIF, MAIN
FundersAgencia Francesa de Desenvolvimento AFD, Uniao Europeia, FARE, ADIPSA

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established2004
Head of InstitutionBernadette Mukamisha
Regions activeBugesera, Gasabo, Gisagara, Huye, KamonyiKayonza, Kicukiro, Kirehe, Muhanga, Nyanza, Nyarugenge
# Branches19

Total Portfolio (nat'l)RWF 1,659,754,210
Total Portfolio (USD)USD 2,593,365.95
Active clients with loans2,648
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsAMIR
FundersBNR, AMIR, AQUADEV

Loan Products » Summary

1,080 Borrowers
USD 720,306.95 Portfolio
Active Product
162 Borrowers
USD 118,252.57 Portfolio
Active Product
322 Borrowers
USD 244,837.76 Portfolio
Active Product
4,878 Borrowers
USD 985,119.45 Portfolio
Active Product
1,564 Borrowers
USD 825,875.20 Portfolio
Active Product
1,185 Borrowers
USD 101,176.24 Portfolio
Active Product

Loan Products » Summary

416 Borrowers
USD 176,499.97 Portfolio
Active Product
1,039 Borrowers
USD 1,646,446.42 Portfolio
Active Product
195 Borrowers
USD 410,149.12 Portfolio
Active Product
825 Borrowers
USD 231,209.70 Portfolio
Active Product
119 Borrowers
USD 129,059.98 Portfolio
Active Product

Loan Products » Conditions

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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture/Elevage Loan RWF 50,000 - 7,500,000 1 - 12 20% - 40% 20% - 40% Business Women, Men Tech Asst Visits, Business Training, Other Training, Epargne-credit
Commerce Loan RWF 1,000,000 - 7,500,000 1 - 12 0% - 20% 60% - 80% Business, Consumer, Other Women, Men
Construction Maison / Rehabilitation Loan RWF 50,000 - 7,500,000 1 - 12 0% - 20% 20% - 40% Housing Women, Men
Credit Divers RWF 10,000 - 7,500,000 1 - 12 0% - 20% 40% - 60% Any Purpose Women, Men
Transport Loan RWF 50,000 - 7,500,000 3 - 12 0% - 20% 20% - 40% Business, Housing Women, Men

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture/Elevage Loan 24.00%-36.00% annual, Flat 2 Fees 0 Ins None 10.00% upfront 11.9% - 88.5% 14.6% - 104.9% 50
Commerce Loan 48.00%-60.00% annual, Flat 2 Fees 0 Ins None 10.00% upfront 86.5% - 105.7% 101.9% - 123.8% 42
Construction Maison / Rehabilitation Loan 24.00%-36.00% annual, Flat 2 Fees 0 Ins None 10.00% upfront 86.2% - 102.2% 101.5% - 119.5% 22
Credit Divers 36.00% annual, Flat 2 Fees 0 Ins None 10.00% upfront 48.6% - 102.4% 53.6% - 102.4% 46
Transport Loan 24.00%-36.00% annual, Flat 2 Fees 0 Ins None 10.00% upfront 84.1% - 89.1% 98.9% - 105.6% 23

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture/Elevage Loan 24.00%-36.00% annual, Flat 2 Fees 0 Ins Ins None 10.00% upfront 11.9% - 88.5% 14.6% - 104.9% 50
Commerce Loan 48.00%-60.00% annual, Flat 2 Fees 0 Ins Ins None 10.00% upfront 86.5% - 105.7% 101.9% - 123.8% 42
Construction Maison / Rehabilitation Loan 24.00%-36.00% annual, Flat 2 Fees 0 Ins Ins None 10.00% upfront 86.2% - 102.2% 101.5% - 119.5% 22
Credit Divers 36.00% annual, Flat 2 Fees 0 Ins Ins None 10.00% upfront 48.6% - 102.4% 53.6% - 102.4% 46
Transport Loan 24.00%-36.00% annual, Flat 2 Fees 0 Ins Ins None 10.00% upfront 84.1% - 89.1% 98.9% - 105.6% 23
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% Products with one or more insurances
% Products with compulsory deposits
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