Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | N/A |
Year established | 2001 |
Head of Institution | Bernardo Luis Tembe |
Regions active | Maputo Capital, Maputo Province |
# Branches | 7 |
Total Portfolio (nat'l) | MZN 89,981,867.66 |
Total Portfolio (USD) | USD 2,959,929.86 |
Active clients with loans | 5,382 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 0% - 20% |
Network affiliations | AMOMIF, AFRACA |
Funders | Ford Foundation, DNPDR/UNCDF, FARE, Oxfam/Novib |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.fondationardi.ma |
Year established | 2001 |
Head of Institution | M. CHEHHAR El Mostafa |
Regions active | Tangier-Tétouan, East and the Rif, Fes-Meknes, Rabat-Sale-Kenitra, Beni Mellal-Khenifra, Settat-Casablanca, Marrakesh-Safi, Drâa-Tafilalt, Souss-Massa, Guelmim-Oued NounEl Aiun-Saguia al Hamra, Dakhla-Oued Addahab |
# Branches | 205 |
Total Portfolio (nat'l) | MAD 273,132,165 |
Total Portfolio (USD) | USD 32,133,195.88 |
Active clients with loans | 115,221 |
Approximate % female clients | 20% - 40% |
Approximate % urban clients | 20% - 40% |
Network affiliations | |
Funders |
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 |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédit Solidaire | MAD 1,000 - 20,000 | 3 - 18 | 20% - 40% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training | |||||||
Crédit Individuel | MAD 5,000 - 50,000 | 3 - 48 | 20% - 40% | 20% - 40% | Business | Women, Men, Have business | Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training |
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 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédit Solidaire | 24.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 42.2% - 51.3% | 42.4% - 52% | 53 | ||||||||
Crédit Individuel | 21.6% annual, Flat | 1 Fee | 1 Ins | None | N/A | 35.4% - 39.9% | 35.5% - 41.9% | 56 |
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 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 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 Ins | None | N/A | 43.7% - 49.3% | 45.9% - 51.5% | 100 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédit Solidaire | 24.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 42.2% - 51.3% | 42.4% - 52% | 53 | ||||||||
Crédit Individuel | 21.6% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 35.4% - 39.9% | 35.5% - 41.9% | 56 |
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