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Institution

Fundo de Desenvolvimento da Mulher Estrada Nacional Numero 1 Fidel CastroXai-Xai, Gaza
Data approved: 2013-05-22
Data version: 2
Age of data: 133 months

Product

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Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 16,892,497
Portfolio (USD)USD 555,674.24
Active Clients with Loans3,182
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Para pequeno comercio, consumo, pequenas industrias, servicos
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loanx
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a businessx
Must own a home or land
Must be a salaried workerx
Must be specific age group
Othertem de ser empresrio pelo menos 6 meses ou ser salariado
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution4
# Regions for this product4
Regions ActiveMaputo Capital, Maputo Province, Inhambane, Gaza

Loan Conditions

Loan Amount
CurrencyMZN
Minimum loan sizeMZN 640
Maximum loan size350,000
Distribution at Disbursement (Est.)
Loans less than MZN 5,00010%
MZN 5,000-10,00040%
MZN 10,000-20,00020%
MZN 20,000-40,00010%
MZN 40,000-60,00010%
Greater than MZN 60,00010%
Loan Term and Grace Period
Shortest loan term2.0 months
Longest loan term6.0 months
Approx average4.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less50%
Between 4 and 6 months50%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeksx
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 interest5.00%
Highest quoted nominal interest5.50%
Reason(s) why interest rate variesLoan Size
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionTaxa Administrativa
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min25
Fixed amount - max25
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionSeguro do Credito para caso de morte
% 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
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited10.00%
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
Taxes
Are taxes charged on this product?No

Full Pricing Data

Credito Geral samples
Sample 1Sample 2Sample 3Sample 4Sample 6
Loan AmountMZN 2,080MZN 3,000MZN 7,000MZN 12,920MZN 60,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-04-102013-05-022013-03-202013-03-102013-03-15
Loan Term (Months)2.4 months3.1 months3.1 months3.1 months3.1 months
Grace Period (Months)0.3 months-0.1 months0.0 months0.0 months0.0 months
Total Cost of CreditMZN 253.80MZN 505MZN 1,145MZN 2,092.20MZN 9,625
True Price by Comp         
Interest price component63.0%85.8%86.2%84.3%84.3%
Fee Component8.0%5.2%2.2%1.1%0.2%
Insurance Component6.8%6.3%6.4%6.2%6.2%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component2.0%4.8%4.6%4.2%4.1%
Full APR (int fee ins tax dep)79.8%102.1%99.4%95.8%94.8%
Transparency Index7559606363
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Credito Geral Price Graphs


Institution # Borrowers Portfolio (US$) Products Age of Data
KBL468,300120,082,00016106
KF233,60041,416,0004105
NRSP399,90070,157,0003106
ASA230,40029,637,0003106
TMFB221,20085,449,0007106
FMFB163,54438,481,3239124
TRDP100,00013,817,0003106
PRSP75,6569,907,1763124
BRAC^P57,30011,869,0003106
SRSO51,1007,775,0003106
SSF46,0004,776,0003106
FINCA82,00043,559,0009106
JWS36,0006,545,0002106
RCDS35,5524,856,1224124
DAMEN35,1857,150,8641124
FFO22,4003,335,0003106
OLP21,4003,510,0003106
CSC17,6003,147,0001106
AMRDO13,8001,206,0005106
WMBL13,8006,105,0003106
Mojaz13,4002,415,0002106
SDF11,5001,041,0004106
POMFB8,5002,795,0004106
OPD7,500918,0002106
AGAHE7,300797,0002106
NRDP6,1841,521,9723124
GBTI6,100669,0003124
WASIL4,3001,135,0002106
Micro Options4,000768,0005106
VDO3,900489,0003124
SVDP3,900811,00013124
SRDO3,500766,0004106
OSDI2,000923,0003106
APMBL1,8001,401,0003106
BEDF1,400209,0003124
KCDO80094,0001124
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
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X Axis
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