2. Hluvuku-ADSEMA
Please note that the information you are viewing is 134 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Hluvuku-Associacao de Desenvolvimeto Socio-Economio De Matutuine Rua Principal, Bela Vista Parcela 33Bela Vista, Maputo
Data approved: 2013-05-09
Data version: 2
Age of data: 134 months
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Product

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Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 49,490,027.21
Portfolio (USD)USD 1,627,961.42
Active Clients with Loans3,066
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help groupx
Other
Description
Credito para construcao de casa,compra materiais de construccao,melhoria de casa, Compra de Mobilia e equipamentos
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product1
Regions ActiveMaputo Province

Loan Conditions

Loan Amount
CurrencyMZN
Minimum loan sizeMZN 1,500
Maximum loan size600,000
Distribution at Disbursement (Est.)
Loans less than MZN 5,0005%
MZN 5,000-10,00010%
MZN 10,000-20,00010%
MZN 20,000-40,00040%
MZN 40,000-60,00020%
Greater than MZN 60,00020%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term18.0 months
Approx average13.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
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 interest4.20%
Highest quoted nominal interest4.20%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionTaxa de Inscrição
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min50
Fixed amount - max900
Reason for variationos creditos maiores de 50.000,00 MZN pagam a taxa de inscricao de 0.15% em do emprestimo
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionSeguro para cubrir morte do cliente
% of loan amount - min1.50%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Credito Habitacao e Bens de consumo samples
Sample 3Sample 4Sample 5Sample 6
Loan AmountMZN 8,000MZN 15,000MZN 36,500MZN 60,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-03-262013-05-142013-05-142013-03-28
Loan Term (Months)18.0 months18.0 months18.0 months18.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.1 months
Total Cost of CreditMZN 3,217.73MZN 6,892.82MZN 16,701.59MZN 26,522.73
True Price by Comp       
Interest price component42.9%48.9%48.9%47.0%
Fee Component0.8%0.4%0.1%0.3%
Insurance Component2.2%2.2%2.2%2.1%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)45.9%51.5%51.2%49.4%
Transparency Index1009898100
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Credito Habitacao e Bens de consumo Price Graphs


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  2. AccessBank
Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

AccessBank Closed Joint-Stock Company B. Seferoglu Street, 176BakuAZ1000
Data approved: 2012-04-24
Data version: 2
Age of data: 170 months
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Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.accessbank.az/
Year established2002
Head of InstitutionAndrew Pospielovsky
Regions active
# Branches29

Total Portfolio (nat'l)AZN 354,789,718
Total Portfolio (USD)USD 454,858,612.80
Active clients with loans115,542
Approximate % female clients20% - 40%
Approximate % urban clients60% - 80%
Network affiliations
Funders

Loan Products » Summary

Micro AZN
37,237 Borrowers
USD 77,870,305.13 Portfolio
Active Product
Micro USD
15,218 Borrowers
USD 63,431,577 Portfolio
Active Product
Agri AZN
27,921 Borrowers
USD 48,470,397.44 Portfolio
Active Product
Agri USD
2,102 Borrowers
USD 9,451,727 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro standard loan (manat) AZN 100 - 16,000 1 - 36 20% - 40% 60% - 80% Business Women, Men, Have business, Combined collateral, Regular stable income
Micro standard loan (USD) USD 100 - 20,000 1 - 36 20% - 40% 60% - 80% Business Women, Men, Have business, Combined collateral, Regular stable income
Micro Agricultural loan (manat) AZN 100 - 16,000 1 - 36 0% - 20% 0% - 20% Business Women, Men, Have business, Borrowers receiving income from agricultural business
Micro agricultural loan (USD) USD 100 - 20,000 1 - 36 0% - 20% 0% - 20% Business Women, Men, Have business, Borrowers receiving income from agricultural business

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro standard loan (manat) 27.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 35.2% - 37.2% 35.2% - 37.2% 74
Micro standard loan (USD) 27.0%-33.0% annual, Decl Bal 1 Fee 0 Ins None N/A 33.5% 33.5% 81
Micro Agricultural loan (manat) 27.0%-36.0% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront 35.2% - 37.2% 40.5% - 44.3% 63
Micro agricultural loan (USD) 27.0%-33.0% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront 35.5% - 37.5% 40.9% - 44.6% 63
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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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