| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 2004 |
| Head of Institution | Ana Maria da C. Salvador |
| Regions active | Maputo Capital, Maputo Province, Inhambane, Gaza |
| # Branches | 3 |
| Total Portfolio (nat'l) | MZN 7,213 |
| Total Portfolio (USD) | USD 237.27 |
| Active clients with loans | 30,483,957 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | MIX Market, AMOMIF, AFRACA |
| Funders | FARE-Fundo de Apoio a Rehabilitacao Economica, UNCDF, Caixa Catalunya, BIM |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Agricultura | MZN 640 - 100,000 | 2 - 6 | 80% - 100% | 0% - 20% | Agriculture | Women, Men, Have business, Tem de ser agricultor/avicultor desde min 6 meses | Group Mtgs, Tech Asst Visits | |||||||
| Credito Geral | MZN 640 - 350,000 | 2 - 6 | 80% - 100% | 0% - 20% | Business, Consumer | Women, Have business, Salaried worker, tem de ser empresrio pelo menos 6 meses ou ser salariado | Group Mtgs, Credit Ins, Tech Asst Visits | |||||||
| Credito Jovem | MZN 3,000 - 20,000 | 2 - 6 | 80% - 100% | 0% - 20% | Any Purpose | Women, Men, Specific age group, Idade 18-30 anos | Credit Educ, Group Mtgs | |||||||
| Credito ao Consumo | MZN 3,000 - 350,000 | 2 - 18 | 80% - 100% | 0% - 20% | Any Purpose | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Agricultura | 36.0% annual, Flat | 1 Fee | 1 Ins | None | 10.00% ongoing | 35.4% - 37.5% | 39.4% - 42.8% | 87 | ||||||||
| Credito Geral | 60.0%-66.0% annual, Flat | 1 Fee | 1 Ins | None | 10.00% ongoing | 71% - 91% | 79.8% - 102.1% | 63 | ||||||||
| Credito Jovem | 42.0% annual, Flat | 1 Fee | 1 Ins | None | 10.00% ongoing | 61.7% - 65.4% | 71% - 75.1% | 57 | ||||||||
| Credito ao Consumo | 60.0%-66.0% annual, Flat | 1 Fee | 1 Ins | None | 10.00% ongoing | 72.4% - 78.8% | 79.6% - 88.4% | 70 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| Actuar Caldas | 3,700 | 5,247,000 | 1 | 153 |
| Actuar Quindio | 2,300 | 2,800,000 | 2 | 153 |
| Actuar Tolima | 8,800 | 5,099,000 | 3 | 153 |
| Amanecer | 4,300 | 8,253,000 | 4 | 153 |
| Banco Agrario | 56,300 | 39,938,000 | 3 | 153 |
| Banco WWB | 219,400 | 294,019,000 | 5 | 148 |
| Bancolombia | 36,200 | 51,563,000 | 1 | 153 |
| BdO | 10,400 | 7,945,000 | 2 | 153 |
| Comerciacoop | 1,600 | 3,255,000 | 4 | 153 |
| Confiar | 43,800 | 81,993,000 | 7 | 153 |
| Congente | 5,400 | 20,045,000 | 2 | 153 |
| Contactar | 25,100 | 20,184,000 | 2 | 153 |
| Crezcamos | 27,500 | 22,564,000 | 4 | 153 |
| Finamerica | 39,800 | 99,536,000 | 7 | 153 |
| FMM Popayán | 310,000 | 243,614,000 | 3 | 153 |
| FMSD | 6,800 | 9,236,000 | 6 | 153 |
| Fomentamos | 900 | 102,000 | 1 | 153 |
| Fund DeLaMujer | 199,900 | 165,568,000 | 1 | 153 |
| Fund Oleoductos | 500 | 435,000 | 1 | 148 |
| FUNDAUNIBAN | 600 | 1,307,000 | 2 | 153 |
| FUNDESAN | 2,400 | 2,521,000 | 5 | 153 |
| FUNDESMAG | 1,000 | 1,698,000 | 2 | 153 |
| Interactuar | 30,200 | 93,846,000 | 4 | 153 |
| MEDA | 15,600 | 27,322,000 | 2 | 153 |
| ProCredit CO | 5,700 | 18,569,000 | 3 | 153 |
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