2. AMOS
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. AgroCapital
Please note that the information you are viewing is 176 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Association de Microfinance Oued Srou 2,Rue Oued SbouQuartier Ettakadoum Elkbab CentreKhénifra, Région Mèknès Tafilalet
Data approved: 2013-05-13
Data version: 1
Age of data: 139 months

Institution

Fundación Agrocapital Calle Nataniel Aguirre No. S-669Cochabamba, Cercado5901
Data approved: 2010-10-28
Data version: 1
Age of data: 176 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://Néant
Year established2000
Head of InstitutionMohamed OUMAYCHA
Regions activeBeni Mellal-Khenifra, Drâa-Tafilalt
# Branches15

Total Portfolio (nat'l)MAD 6,092,844
Total Portfolio (USD)USD 716,805.18
Active clients with loans2,720
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsRéseau de la Microfinance solidaire au Maroc (RMS)
FundersAMSED, Fonds Hassan II, USAID, Fondation Mohamed V

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.agrocapital.org.bo/
Year established1992
Head of InstitutionJorge Gonzalo Noda Miranda
Regions active
# Branches16

Total Portfolio (nat'l)BOB 180,022,209
Total Portfolio (USD)USD 26,669,956.89
Active clients with loans22,140
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsASOFIN, ETIMOS
Funders

Loan Products » Summary

Solidaire
1,774 Borrowers
USD 297,253.76 Portfolio
Active Product
Individuel
946 Borrowers
USD 419,551.41 Portfolio
Active Product

Loan Products » Summary

Comunal BOB
14,946 Borrowers
USD 2,743,570.07 Portfolio
Active Product
529 Borrowers
USD 1,265,111.79 Portfolio
Active Product
Asalar. USD
107 Borrowers
USD 104,671.67 Portfolio
Active Product
Vivi. USD
111 Borrowers
USD 433,734 Portfolio
Active Product
Plan Micro I
738 Borrowers
USD 484,361.04 Portfolio
Active Product
Secue USD
2,807 Borrowers
USD 3,614,561.85 Portfolio
Active Product
Secue BOB
95 Borrowers
USD 205,487.54 Portfolio
Active Product
No Seue USD
2,525 Borrowers
USD 7,983,545.76 Portfolio
Active Product
Consumo USD
10 Borrowers
USD 20,294.32 Portfolio
Low Volume Product
Consumo BOB
39 Borrowers
USD 19,162.70 Portfolio
Low Volume Product
Vivi. BOB
20 Borrowers
USD 19,628.24 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Produit Solidaire MAD 1,000 - 5,000 4 - 12 0% 0% - 20% Business, Agriculture Women, Have business
Produit Individuel MAD 1,500 - 50,000 4 - 36 40% - 60% 0% - 20% Business, Agriculture Women, Men, Have business

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Banca Comunal BOB 300 - 12,000 4 - 8 60% - 80% 80% - 100% Any Purpose Women, Men, Buenos antecedentes crediticios. Solvencia Moral., Los interesados deben ser mayores de edad no mayores a 65 años. N/A
BOB 400 - 300,000 6 - 60 20% - 40% 0% - 20% Business, Housing, Para capital de Inversiones , Para capital de Operaciones Women, Men, Have business Credit Ins
CRÉDITO DE CONSUMO (Asalariado) - USD USD 1,000 - 2,000 12 - 24 20% - 40% 0% - 20% Any Purpose Women, Men, Salaried worker, AntigàŒedad mínima de 1 año en trabajo. Buenos antecedentes personales y crediticios. Credit Ins
Microcrédito Vivienda (USD) USD 600 - 12,000 12 - 60 20% - 40% 0% - 20% Housing Women, Men, Have business, Buenos antecedentes personales y crediticios. Actividad económica y financieramente viable. Credit Ins
Plan Microcrédito I (Microcrédito Secuencial) BOB 1,000 - 44,000 4 - 60 40% - 60% 0% - 20% Business, Housing Women, Men, Have business, Good credit history , Owning profitable or sustainable business Credit Ins
Plan Microcrédito I (Microcrédito Secuencial) (USD) USD 195 - 12,000 6 - 60 40% - 60% 0% - 20% Business Women, Men, Have business, Buenos antecedentes personales y crediticios. Actividad económica y financieramente viable. Credit Ins
Plan Microcrédito II (No Secuencial) BOB 5,000 - 71,000 12 - 60 40% - 60% 0% - 20% Business Women, Men, Have business, Buenos antecedentes personales y crediticios. Actividad económica y financieramente viable. Credit Ins
Plan Microcrédito II (No Secuencial) (USD) USD 300 - 12,000 3 - 60 20% - 40% 0% - 20% Business Women, Men, Have business, Buenos antecedentes personales y crediticios. Actividad económica y financieramente viable. Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Produit Solidaire 21.6% annual, Flat 1 Fee 0 Ins None 1.00%-1.50% ongoing 37.7% - 40.1% 43% - 44.5% 49
Produit Individuel 18.0%-20.4% annual, Flat 1 Fee 0 Ins None N/A 31.8% - 37.5% 31.8% - 37.5% 51

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Banca Comunal 30.0% annual, Decl Bal 0 Fees 0 Ins None 10.0% upfront 20.00% ongoing 30.7% - 30.8% 47.8% - 48.6% 62
11.0%-21.5% annual, Decl Bal 2 Fees 0 Ins 15.00% Principal N/A 18.4% - 23.3% 18.5% - 23.4% 53
CRÉDITO DE CONSUMO (Asalariado) - USD 22.5%-26.0% annual, Decl Bal 2 Fees 0 Ins 15.00% Principal N/A 25.8% 26% 87
Microcrédito Vivienda (USD) 22.0%-30.0% annual, Decl Bal 2 Fees 0 Ins 15.00% Principal N/A 24.9% - 32.2% 25% - 32.3% 75
Plan Microcrédito I (Microcrédito Secuencial) 25.0%-32.0% annual, Decl Bal 2 Fees 0 Ins None N/A 32% - 34.4% 32% - 34.4% 75
Plan Microcrédito I (Microcrédito Secuencial) (USD) 22.0%-35.8% annual, Decl Bal 2 Fees 0 Ins 15.00% Principal N/A 26.9% - 31.3% 27.1% - 31.6% 72
Plan Microcrédito II (No Secuencial) 24.5%-32.0% annual, Decl Bal 2 Fees 0 Ins None N/A 30% - 33.3% 30% - 33.3% 76
Plan Microcrédito II (No Secuencial) (USD) 21.0%-30.0% annual, Decl Bal 2 Fees 0 Ins 15.00% Principal N/A 24.9% - 31.3% 25% - 31.5% 75

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Produit Solidaire 21.6% annual, Flat 1 Fee 0 Ins Ins None 1.00%-1.50% ongoing 37.7% - 40.1% 43% - 44.5% 49
Produit Individuel 18.0%-20.4% annual, Flat 1 Fee 0 Ins Ins None N/A 31.8% - 37.5% 31.8% - 37.5% 51

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Banca Comunal 30.0% annual, Decl Bal 0 Fees 0 Ins Ins None 10.0% upfront 20.00% ongoing 30.7% - 30.8% 47.8% - 48.6% 62
11.0%-21.5% annual, Decl Bal 2 Fees 0 Ins Ins 15.00% Principal N/A 18.4% - 23.3% 18.5% - 23.4% 53
CRÉDITO DE CONSUMO (Asalariado) - USD 22.5%-26.0% annual, Decl Bal 2 Fees 0 Ins Ins 15.00% Principal N/A 25.8% 26% 87
Microcrédito Vivienda (USD) 22.0%-30.0% annual, Decl Bal 2 Fees 0 Ins Ins 15.00% Principal N/A 24.9% - 32.2% 25% - 32.3% 75
Plan Microcrédito I (Microcrédito Secuencial) 25.0%-32.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 32% - 34.4% 32% - 34.4% 75
Plan Microcrédito I (Microcrédito Secuencial) (USD) 22.0%-35.8% annual, Decl Bal 2 Fees 0 Ins Ins 15.00% Principal N/A 26.9% - 31.3% 27.1% - 31.6% 72
Plan Microcrédito II (No Secuencial) 24.5%-32.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 30% - 33.3% 30% - 33.3% 76
Plan Microcrédito II (No Secuencial) (USD) 21.0%-30.0% annual, Decl Bal 2 Fees 0 Ins Ins 15.00% Principal N/A 24.9% - 31.3% 25% - 31.5% 75
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeMultipleLoan PurposeAMOSInstitutionMA-004-V01-P01MA-004-V01-P02ProductMACountry2013YearRange Number1Institution Data Version05,00010,00015,00020,00025,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 1,7001,30080040040Number of Borrowers
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Institution Price Graph
Microloan Products offered in BOB0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeAnyBusinessMultipleLoan PurposeAgroCapitalInstitutionBO-018-V01-P01BO-018-V01-P08BO-018-V01-P10ProductBOCountry2010YearRange Number1Institution Data Version05,00010,00015,00020,00025,00030,000Loan Size (all)0%20%40%Full APR (int fee ins tax dep)> 7,4005,6003,7001,800200Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Microloan Products offered in USD0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeAnyBusinessHousingMultipleLoan PurposeAgroCapitalInstitutionBO-018-V01-P03BO-018-V01-P05BO-018-V01-P07BO-018-V01-P09BO-018-V01-P11ProductBOCountry2010YearRange Number1Institution Data Version02,0004,0006,0008,00010,00012,000Loan Size (USD)0%10%20%30%Full APR (int fee ins tax dep)> 70030030Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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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
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