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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: 117 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established2001
Head of InstitutionBernardo Luis Tembe
Regions activeMaputo Capital, Maputo Province
# Branches7

Total Portfolio (nat'l)MZN 89,981,867.66
Total Portfolio (USD)USD 2,959,929.86
Active clients with loans5,382
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsAMOMIF, AFRACA
FundersFord Foundation, DNPDR/UNCDF, FARE, Oxfam/Novib

Loan Products » Summary

1,866 Borrowers
USD 887,978.96 Portfolio
Active Product
450 Borrowers
USD 443,989.48 Portfolio
Active Product
3,066 Borrowers
USD 1,627,961.42 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Comercio & Servicos MZN 1,500 - 350,000 4 - 18 60% - 80% 0% - 20% Business Women, Men Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Credito Agro-pecuaria/ Agro-negocios MZN 1,500 - 200,000 6 - 18 40% - 60% 0% - 20% Business, Agriculture Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Other Training
Credito Habitacao e Bens de consumo MZN 1,500 - 600,000 6 - 18 40% - 60% 0% - 20% Business, Housing, Consumer, Education, Other Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Comercio & Servicos 55.2% annual, Decl Bal 1 Fee 1 Ins None N/A 50% - 53.6% 52.1% - 55.8% 100
Credito Agro-pecuaria/ Agro-negocios 34.8% annual, Decl Bal 1 Fee 1 Ins None N/A 30.5% - 35% 32.5% - 37% 100
Credito Habitacao e Bens de consumo 50.4% annual, Decl Bal 1 Fee 1 Ins None N/A 43.7% - 49.3% 45.9% - 51.5% 100
Institution Price Graph
Institution # Borrowers Portfolio (US$) Products Age of Data
AGFS20047,0002133
Ahantaman RB23,8009,896,0004115
APED13,7001,876,0002115
ASA Initiative4,400577,0004115
ASA-Ghana71,60018,385,0002115
ASPI80088,0006115
Atwima Kwanwoma3,8001,788,0002115
Baobab5,100967,0002115
BestFUND13,0004,172,0003115
Bonzali Rural10,4001,691,0004133
CashPhase83135,0002115
CASUD1,100524,0001115
CEDEF50054,0004115
CFF10013,0001115
CRAN3,6001,019,0002115
DQF1,70063,0002115
EASL9,20011,409,0006115
East Mamprusi12,5002,268,0004115
ELDA000115
EMPRETEC Ghana20056,0002115
FASL13,50014,047,0008115
Grameen Ghana9,500507,0003115
ID-Ghana5,600953,0003115
Innovative Finance2,700354,0003115
Kraban Support7,700781,0005133
KRB4,0006,350,0003115
Lower Pra RB34,0006,316,0003133
Maata-N-Tudu12,000941,0004115
Mail Finance300288,0001115
Markaz000115
Markaz Al Bishara10017,0001115
MicrofinPlus Gh1,100251,0002115
Nwabiagya RB4,0002,265,0003115
OISL62,00027,232,0009115
Pro Credit000115
Rich Step100101,0001115
SAT147,60029,359,0004115
Sekam Trust600137,0002115
Simli Pong8,900463,0003133
SS Ghana20035,0001115
TCCU10032,0003115
The Bridge40032,0003133
Union RB3,8002,361,0004115
Caps / Zoom options
Key Statistics
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# Borrowers
Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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