| 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 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| KBL | 468,300 | 120,082,000 | 16 | 118 |
| KF | 233,600 | 41,416,000 | 4 | 117 |
| NRSP | 399,900 | 70,157,000 | 3 | 118 |
| ASA | 230,400 | 29,637,000 | 3 | 118 |
| TMFB | 221,200 | 85,449,000 | 7 | 118 |
| FMFB | 163,544 | 38,481,323 | 9 | 136 |
| TRDP | 100,000 | 13,817,000 | 3 | 118 |
| PRSP | 75,656 | 9,907,176 | 3 | 136 |
| BRAC^P | 57,300 | 11,869,000 | 3 | 118 |
| SRSO | 51,100 | 7,775,000 | 3 | 118 |
| SSF | 46,000 | 4,776,000 | 3 | 118 |
| FINCA | 82,000 | 43,559,000 | 9 | 118 |
| JWS | 36,000 | 6,545,000 | 2 | 118 |
| RCDS | 35,552 | 4,856,122 | 4 | 136 |
| DAMEN | 35,185 | 7,150,864 | 1 | 136 |
| FFO | 22,400 | 3,335,000 | 3 | 118 |
| OLP | 21,400 | 3,510,000 | 3 | 118 |
| CSC | 17,600 | 3,147,000 | 1 | 118 |
| AMRDO | 13,800 | 1,206,000 | 5 | 118 |
| WMBL | 13,800 | 6,105,000 | 3 | 118 |
| Mojaz | 13,400 | 2,415,000 | 2 | 118 |
| SDF | 11,500 | 1,041,000 | 4 | 118 |
| POMFB | 8,500 | 2,795,000 | 4 | 118 |
| OPD | 7,500 | 918,000 | 2 | 118 |
| AGAHE | 7,300 | 797,000 | 2 | 118 |
| NRDP | 6,184 | 1,521,972 | 3 | 136 |
| GBTI | 6,100 | 669,000 | 3 | 136 |
| WASIL | 4,300 | 1,135,000 | 2 | 118 |
| Micro Options | 4,000 | 768,000 | 5 | 118 |
| VDO | 3,900 | 489,000 | 3 | 136 |
| SVDP | 3,900 | 811,000 | 13 | 136 |
| SRDO | 3,500 | 766,000 | 4 | 118 |
| OSDI | 2,000 | 923,000 | 3 | 118 |
| APMBL | 1,800 | 1,401,000 | 3 | 118 |
| BEDF | 1,400 | 209,000 | 3 | 136 |
| KCDO | 800 | 94,000 | 1 | 136 |
| Key Statistics | |
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| % 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 |
|---|---|---|---|---|---|---|---|
