| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.bancoprocredit.co.mz/ |
| Year established | 2000 |
| Head of Institution | Yann Groeger |
| Regions active | Maputo Capital, Maputo Province, Gaza, Sofala, Nampula |
| # Branches | 19 |
| Total Portfolio (nat'l) | MZN 795,661,896.60 |
| Total Portfolio (USD) | USD 26,173,088.70 |
| Active clients with loans | 4,626 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | ProCredit Group |
| Funders | ProCredit Holding AG, DOEN Foundation, Fundo de Fomento de Habitacao |
| Institution Type | Private 'For-Profit' |
| Is this institution regulated? | Yes |
| Website address | http://www.janalakshmi.com/ |
| Year established | 2006 |
| Head of Institution | VS Radhakrishnan |
| Regions active | 0 |
| # Branches | 19 |
| Total Portfolio (nat'l) | INR 1,667,106,026 |
| Total Portfolio (USD) | USD 37,046,800.58 |
| Active clients with loans | 173,918 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Education Loan | INR 5,000 - 50,000 | 12 - 24 | 60% - 80% | 60% - 80% | Education | Women, Men, Must have children who are studying until the age of 24 yrs | Credit Educ | |||||||
| Small Group Loan | INR 5,000 - 30,000 | 9 - 24 | 80% - 100% | 80% - 100% | Business, Housing, Consumer, Education, Other | Women, group members must live within each other's vicinity, must demonstrate capacity to repay | Credit Educ, Group Mtgs, Credit Ins |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Education Loan | 30.6% | #N/A | #N/A | 78 | ||||||||||
| Small Group Loan | 0% | #N/A | #N/A | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Education Loan | 24.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 10.0% upfront | #N/A | #N/A | 63 | ||||||||
| Small Group Loan | 28.0%-30.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 10.0% upfront | #N/A | #N/A | 63 |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Education Loan | 30.6% | #N/A | #N/A | 78 | ||||||||||
| Small Group Loan | 0% | #N/A | #N/A | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Education Loan | 24.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 10.0% upfront | #N/A | #N/A | 63 | ||||||||
| Small Group Loan | 28.0%-30.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 10.0% upfront | #N/A | #N/A | 63 |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
