| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 2004 |
| Head of Institution | Ana Maria da C. Salvador |
| Regions active | Maputo Capital, Maputo Province, Inhambane, Gaza |
| # Branches | 3 |
| Total Portfolio (nat'l) | MZN 7,213 |
| Total Portfolio (USD) | USD 237.27 |
| Active clients with loans | 30,483,957 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | MIX Market, AMOMIF, AFRACA |
| Funders | FARE-Fundo de Apoio a Rehabilitacao Economica, UNCDF, Caixa Catalunya, BIM |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Agricultura | MZN 640 - 100,000 | 2 - 6 | 80% - 100% | 0% - 20% | Agriculture | Women, Men, Have business, Tem de ser agricultor/avicultor desde min 6 meses | Group Mtgs, Tech Asst Visits | |||||||
| Credito Geral | MZN 640 - 350,000 | 2 - 6 | 80% - 100% | 0% - 20% | Business, Consumer | Women, Have business, Salaried worker, tem de ser empresrio pelo menos 6 meses ou ser salariado | Group Mtgs, Credit Ins, Tech Asst Visits | |||||||
| Credito Jovem | MZN 3,000 - 20,000 | 2 - 6 | 80% - 100% | 0% - 20% | Any Purpose | Women, Men, Specific age group, Idade 18-30 anos | Credit Educ, Group Mtgs | |||||||
| Credito ao Consumo | MZN 3,000 - 350,000 | 2 - 18 | 80% - 100% | 0% - 20% | Any Purpose | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Agricultura | 36.0% annual, Flat | 1 Fee | 1 Ins | None | 10.00% ongoing | 35.4% - 37.5% | 39.4% - 42.8% | 87 | ||||||||
| Credito Geral | 60.0%-66.0% annual, Flat | 1 Fee | 1 Ins | None | 10.00% ongoing | 71% - 91% | 79.8% - 102.1% | 63 | ||||||||
| Credito Jovem | 42.0% annual, Flat | 1 Fee | 1 Ins | None | 10.00% ongoing | 61.7% - 65.4% | 71% - 75.1% | 57 | ||||||||
| Credito ao Consumo | 60.0%-66.0% annual, Flat | 1 Fee | 1 Ins | None | 10.00% ongoing | 72.4% - 78.8% | 79.6% - 88.4% | 70 |
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