- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
1st Valley Bank	38,900	48,291,000	3	151
AJDFI	13,100	884,000	6	151
ARDCI	44,600	9,403,000	1	151
ASA Philippines	333,400	29,282,000	1	151
ASHI	35,400	5,231,000	6	151
ASKI	60,000	15,247,000	4	151
Bangko Kabayan	8,900	2,373,000	2	151
BSEI	600	73,000	2	151
CBI	8,100	2,010,000	5	151
CCT	70,300	9,504,000	4	151
CEV	35,400	5,111,000	4	151
DSPI	59,300	3,676,000	3	151
ECLOF	5,400	1,836,000	4	151
FCB	12,000	2,392,000	2	151
FMB	2,700	710,000	2	151
GM Bank	23,500	1,553,000	3	151
HSPFI	19,100	1,899,000	2	151
JVOFI	1,300	281,000	1	151
Katipunan Bank	42,100	5,325,000	2	151
KDCI	20,500	2,095,000	3	151
KGI	32,300	3,421,000	4	151
KMBI	245,000	15,098,000	1	151
LTMPC	37,400	8,935,000	3	151
Mallig Plains	6,500	641,000	2	151
MILAMDEC	29,800	3,278,000	2	151
MWIMPC	11,800	1,740,000	4	150
NWTF	105,500	12,698,000	5	151
OFMPC	4,400	964,000	1	151
PBC	50,700	10,434,000	4	151
PCSD	700	167,000	1	151
PMPC	23,500	5,565,000	8	151
RB Angeles	900	1,502,000	2	151
RB Labason	500	289,000	1	151
RBLI	5,200	1,026,000	2	151
RBMI	11,900	1,750,000	2	151
RMB	100	173,000	1	151
RSPI	39,600	2,834,000	4	151
SAFRAGEMC	1,100	229,000	1	151
Salve	10,900	1,191,000	3	151
SEDP	27,000	3,914,000	3	151
TSKI	212,900	25,187,000	2	151
TSPI	264,500	31,290,000	7	151
Valient	1,700	672,000	2	151

Please note that the information you are viewing is 111 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

AfricaWorks Fialho de Almeida 69Maputo

Data approved: 2015-03-20

Data version: 3

Age of data: 111 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (MZN)	MZN 39,944,556.50
Portfolio (USD)	USD 1,181,791.61
Active Clients with Loans	5,679
Approximate % Female Clients	60% - 80%
Approximate % Urban Clients	60% - 80%

Methodology

Individual
Solidarity group
Village banking	x
Self help group
Other

Description

Isento de garantias fisicas; Benefecia micro-negociantes; Numero de membros igual ou superior a 10; A responsabilidade e solidaria tanto na seleio de clientes, como nos reembolsos

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education	x
Group meetings	x
Credit insurance
Workplace visits	x
Business training	x
Other training
Other
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land
Must be a salaried worker
Must be specific age group	x
Other
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	6
# Regions for this product	6
Regions Active	Maputo Capital, Maputo Province, Inhambane, Gaza, Manica, Tete

Loan Conditions

Loan Amount

Currency	MZN
Minimum loan size	MZN 3,000
Maximum loan size	30,000

Distribution at Disbursement (Est.)

Loans less than MZN 5,000	30%
MZN 5,000-10,000	30%
MZN 10,000-20,000	30%
MZN 20,000-40,000	10%
MZN 40,000-60,000	0
Greater than MZN 60,000	0

Loan Term and Grace Period

Shortest loan term	4.0 months
Longest loan term	6.0 months
Approx average	4.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	100%
Between 7 and 9 months	0
Between 10 and 12 months	0
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks	x
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	4.00%
Highest quoted nominal interest	4.00%
Interest rate period	4 Weeks
Interest Rate Calculation Method	Flat
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

This product has no upfront fees

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Some
Criteria	N/A
Is deposit indicated on the repayment schedule?	Yes
Do borrowers control deposit in their group?	Yes

Deposit BEFORE or AT Disbursement

% loan amount deposited	10.00% - 20.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	0
Conditions on access to deposit	End Term

Interest Paid on Deposit

Minimum interest rate paid	0
Maximum interest rate paid	0
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Grupo Comunitario samples

Loan Amount	Type of Sample	Disbursement Date	Loan Term (Months)	Grace Period (Months)	Total Cost of Credit	Full APR (int fee ins tax dep)	True Price by Component					Transparency Index	Original Repayment Schedule	MFT Pricing Calculation
Loan Amount	Type of Sample	Disbursement Date	Loan Term (Months)	Grace Period (Months)	Total Cost of Credit	Full APR (int fee ins tax dep)	Interest price component	Fee Component	Insurance Component	Tax Component	Deposit Component	Transparency Index	Original Repayment Schedule	MFT Pricing Calculation
MZN 5,000	Real	2015-02-12	3.9 months	N/A	MZN 800	83.0%	71.3%	0.0%	0.0%	0.0%	11.7%	63	PDF	PDF
MZN 5,000	Generated	2015-03-01	3.7 months	N/A	MZN 736.44	85.3%	72.7%	0.0%	0.0%	0.0%	12.6%	61	-	PDF
MZN 5,000	Real	2015-02-12	3.9 months	N/A	MZN 800	83.0%	71.3%	0.0%	0.0%	0.0%	11.7%	63	PDF	PDF
MZN 5,000	Generated	2015-03-01	3.7 months	N/A	MZN 736.44	85.3%	72.7%	0.0%	0.0%	0.0%	12.6%	61	-	PDF
MZN 3,000	Generated	2015-03-01	5.5 months	N/A	MZN 718.03	96.6%	82.2%	0.0%	0.0%	0.0%	14.4%	54	-	PDF
MZN 12,000	Generated	2015-03-01	5.5 months	N/A	MZN 2,872.11	105.8%	82.2%	0.0%	0.0%	0.0%	23.6%	49	-	PDF
MZN 16,500	Generated	2015-03-01	5.5 months	N/A	MZN 3,949.15	105.8%	82.2%	0.0%	0.0%	0.0%	23.6%	49	-	PDF
MZN 21,000	Generated	2015-03-01	5.5 months	N/A	MZN 5,026.19	105.8%	82.2%	0.0%	0.0%	0.0%	23.6%	49	-	PDF
MZN 26,000	Generated	2015-03-01	5.5 months	N/A	MZN 6,222.90	105.8%	82.2%	0.0%	0.0%	0.0%	23.6%	49	-	PDF
MZN 30,000	Generated	2015-03-01	3.7 months	N/A	MZN 4,786.85	100.4%	78.5%	0.0%	0.0%	0.0%	21.9%	52	-	PDF

Grupo Comunitario Price Graphs

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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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
Std Dev

By Inst Type


By Country

	X Axis
	Greater than:
	Less or equal to:
	From 0 to
	to
	to
	to ∞

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Grupo Comunitario samples

Grupo Comunitario Price Graphs

Total Borrowers of Samples

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