| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 1998 |
| Head of Institution | Enoque Raimundo Changamo |
| Regions active | Maputo Capital, Maputo Province, Gaza, Cabo Delgado |
| # Branches | 12 |
| Total Portfolio (nat'l) | MZN 91,065,272.39 |
| Total Portfolio (USD) | USD 2,995,568.17 |
| Active clients with loans | 12,816 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | AMOMIF, MAIN |
| Funders | Agencia Francesa de Desenvolvimento AFD, Uniao Europeia, FARE, ADIPSA |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Individual CCOM | MZN 10,000 - 100,000 | 6 - 12 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training | |||||||
| Credito Individual | MZN 10,000 - 100,000 | 6 - 12 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Tech Asst Visits, Business Training, Other Training | |||||||
| Credito Individual Sem Avalista | MZN 10,000 - 100,000 | 4 - 12 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training | |||||||
| Grupo Solidario Pequeno Grupo Micronegocios | MZN 4,000 - 50,000 | 6 - 12 | 40% - 60% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | ||||||||
| Grupo Solidario Pequeno Grupo Comercio | MZN 10,000 - 45,000 | 6 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men, Have business, Have home or land, Salaried worker | ||||||||
| GSGF Credito a Agricultura | MZN 30 - 100,000 | 8 - 12 | 40% - 60% | 0% - 20% | Agriculture | Women, Men, Have business, Have home or land | Credit Educ, Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Individual CCOM | 54.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 30.0% upfront | 51% - 54.6% | 96.8% - 108% | 53 | ||||||||
| Credito Individual | 54.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 12.0% upfront | 51.6% - 53.3% | 66.4% - 69.6% | 79 | ||||||||
| Credito Individual Sem Avalista | 54.0% annual, Decl Bal | 1 Fee | 1 Ins | None | None | 53% - 54% | 55.8% - 57.5% | 95 | ||||||||
| Grupo Solidario Pequeno Grupo Micronegocios | 54.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 33.3% upfront | 53.9% - 54.5% | 116.5% - 118.1% | 45 | ||||||||
| Grupo Solidario Pequeno Grupo Comercio | 54.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 33.3% upfront | 54% - 54.4% | 116.9% - 117.8% | 46 | ||||||||
| GSGF Credito a Agricultura | 36.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 20.0% upfront | 33.6% - 34.8% | 42.9% - 45.3% | 82 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| AGFS | 200 | 47,000 | 2 | 156 |
| Ahantaman RB | 23,800 | 9,896,000 | 4 | 138 |
| APED | 13,700 | 1,876,000 | 2 | 138 |
| ASA Initiative | 4,400 | 577,000 | 4 | 138 |
| ASA-Ghana | 71,600 | 18,385,000 | 2 | 138 |
| ASPI | 800 | 88,000 | 6 | 138 |
| Atwima Kwanwoma | 3,800 | 1,788,000 | 2 | 138 |
| Baobab | 5,100 | 967,000 | 2 | 138 |
| BestFUND | 13,000 | 4,172,000 | 3 | 138 |
| Bonzali Rural | 10,400 | 1,691,000 | 4 | 156 |
| CashPhase | 83 | 135,000 | 2 | 138 |
| CASUD | 1,100 | 524,000 | 1 | 138 |
| CEDEF | 500 | 54,000 | 4 | 138 |
| CFF | 100 | 13,000 | 1 | 138 |
| CRAN | 3,600 | 1,019,000 | 2 | 138 |
| DQF | 1,700 | 63,000 | 2 | 138 |
| EASL | 9,200 | 11,409,000 | 6 | 138 |
| East Mamprusi | 12,500 | 2,268,000 | 4 | 138 |
| ELDA | 0 | 0 | 0 | 138 |
| EMPRETEC Ghana | 200 | 56,000 | 2 | 138 |
| FASL | 13,500 | 14,047,000 | 8 | 138 |
| Grameen Ghana | 9,500 | 507,000 | 3 | 138 |
| ID-Ghana | 5,600 | 953,000 | 3 | 138 |
| Innovative Finance | 2,700 | 354,000 | 3 | 138 |
| Kraban Support | 7,700 | 781,000 | 5 | 156 |
| KRB | 4,000 | 6,350,000 | 3 | 138 |
| Lower Pra RB | 34,000 | 6,316,000 | 3 | 156 |
| Maata-N-Tudu | 12,000 | 941,000 | 4 | 138 |
| Mail Finance | 300 | 288,000 | 1 | 138 |
| Markaz | 0 | 0 | 0 | 138 |
| Markaz Al Bishara | 100 | 17,000 | 1 | 138 |
| MicrofinPlus Gh | 1,100 | 251,000 | 2 | 138 |
| Nwabiagya RB | 4,000 | 2,265,000 | 3 | 138 |
| OISL | 62,000 | 27,232,000 | 9 | 138 |
| Pro Credit | 0 | 0 | 0 | 138 |
| Rich Step | 100 | 101,000 | 1 | 138 |
| SAT | 147,600 | 29,359,000 | 4 | 138 |
| Sekam Trust | 600 | 137,000 | 2 | 138 |
| Simli Pong | 8,900 | 463,000 | 3 | 156 |
| SS Ghana | 200 | 35,000 | 1 | 138 |
| TCCU | 100 | 32,000 | 3 | 138 |
| The Bridge | 400 | 32,000 | 3 | 156 |
| Union RB | 3,800 | 2,361,000 | 4 | 138 |
| Key Statistics | |
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