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 |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | No |
Website address | http://opportunity.net/kenya/ |
Year established | 2006 |
Head of Institution | Lydia Njoroge |
Regions active | Nairobi, Nyanza, Rift Valley, Western |
# Branches | 11 |
Total Portfolio (nat'l) | KES 402,920,910 |
Total Portfolio (USD) | USD 4,866,194.57 |
Active clients with loans | 9,122 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 60% - 80% |
Network affiliations | Opportunity International, AMFI |
Funders | Opportunity International USA, Wedco Enterprises Limited |
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 | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Msingi Loan | KES 10,000 - 500,000 | 6 - 36 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business, Must have run a business for at least 12 months | Credit Educ, Group Mtgs, Credit Ins, Other Training, Fire/Burglary Insurance | |||||||
Nguzo Loan | KES 50,000 - 500,000 | 6 - 36 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business, Must have run a business for at least 24 months | Credit Educ, Group Mtgs, Credit Ins, Other Training, Fire/Burglary Insurance | |||||||
Somesha (Education) Loan | KES 5,000 - 100,000 | 3 - 12 | 40% - 60% | 60% - 80% | Education | Women, Men, Must be attending an educational institution or have a dependent attending | Credit Educ, Group Mtgs, Credit Ins, Other Training, Fire/Burglary Insurance | |||||||
Asset Loan | KES 5,000 - 2,000,000 | 6 - 36 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Other Training |
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 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Msingi Loan | 22.0% annual, Flat | 2 Fees | 1 Ins | None | 20.0% upfront 100.00 ongoing | 41.8% - 59.8% | 64.2% - 135% | 26 | ||||||||
Nguzo Loan | 22.0% annual, Flat | 2 Fees | 1 Ins | None | 25.0% upfront 200.00 ongoing | 39.9% - 49.3% | 67.5% - 112.5% | 27 | ||||||||
Somesha (Education) Loan | 16.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0% upfront | 34% - 44% | 45.6% - 59.7% | 33 | ||||||||
Asset Loan | 22.0% annual, Flat | 2 Fees | 1 Ins | None | 15.0% upfront | 42.7% - 46.9% | 61% - 71.9% | 34 |
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 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 Ins | None | 10.00% ongoing | 71% - 91% | 79.8% - 102.1% | 63 | ||||||||
Credito Jovem | 42.0% annual, Flat | 1 Fee | 1 Ins 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 Ins | None | 10.00% ongoing | 72.4% - 78.8% | 79.6% - 88.4% | 70 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Msingi Loan | 22.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 20.0% upfront 100.00 ongoing | 41.8% - 59.8% | 64.2% - 135% | 26 | ||||||||
Nguzo Loan | 22.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 25.0% upfront 200.00 ongoing | 39.9% - 49.3% | 67.5% - 112.5% | 27 | ||||||||
Somesha (Education) Loan | 16.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 10.0% upfront | 34% - 44% | 45.6% - 59.7% | 33 | ||||||||
Asset Loan | 22.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 15.0% upfront | 42.7% - 46.9% | 61% - 71.9% | 34 |
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 |
---|---|---|---|---|---|---|---|