| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| KBL | 468,300 | 120,082,000 | 16 | 111 |
| KF | 233,600 | 41,416,000 | 4 | 110 |
| NRSP | 399,900 | 70,157,000 | 3 | 111 |
| ASA | 230,400 | 29,637,000 | 3 | 111 |
| TMFB | 221,200 | 85,449,000 | 7 | 111 |
| FMFB | 163,544 | 38,481,323 | 9 | 129 |
| TRDP | 100,000 | 13,817,000 | 3 | 111 |
| PRSP | 75,656 | 9,907,176 | 3 | 129 |
| BRAC^P | 57,300 | 11,869,000 | 3 | 111 |
| SRSO | 51,100 | 7,775,000 | 3 | 111 |
| SSF | 46,000 | 4,776,000 | 3 | 111 |
| FINCA | 82,000 | 43,559,000 | 9 | 111 |
| JWS | 36,000 | 6,545,000 | 2 | 111 |
| RCDS | 35,552 | 4,856,122 | 4 | 129 |
| DAMEN | 35,185 | 7,150,864 | 1 | 129 |
| FFO | 22,400 | 3,335,000 | 3 | 111 |
| OLP | 21,400 | 3,510,000 | 3 | 111 |
| CSC | 17,600 | 3,147,000 | 1 | 111 |
| AMRDO | 13,800 | 1,206,000 | 5 | 111 |
| WMBL | 13,800 | 6,105,000 | 3 | 111 |
| Mojaz | 13,400 | 2,415,000 | 2 | 111 |
| SDF | 11,500 | 1,041,000 | 4 | 111 |
| POMFB | 8,500 | 2,795,000 | 4 | 111 |
| OPD | 7,500 | 918,000 | 2 | 111 |
| AGAHE | 7,300 | 797,000 | 2 | 111 |
| NRDP | 6,184 | 1,521,972 | 3 | 129 |
| GBTI | 6,100 | 669,000 | 3 | 129 |
| WASIL | 4,300 | 1,135,000 | 2 | 111 |
| Micro Options | 4,000 | 768,000 | 5 | 111 |
| VDO | 3,900 | 489,000 | 3 | 129 |
| SVDP | 3,900 | 811,000 | 13 | 129 |
| SRDO | 3,500 | 766,000 | 4 | 111 |
| OSDI | 2,000 | 923,000 | 3 | 111 |
| APMBL | 1,800 | 1,401,000 | 3 | 111 |
| BEDF | 1,400 | 209,000 | 3 | 129 |
| KCDO | 800 | 94,000 | 1 | 129 |
| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.oibm.mw/ |
| Year established | 2003 |
| Head of Institution | Cosmus Kowuoche |
| Regions active | Dedza, Dowa, Kasungu, Lilongwe, Mchinji, Nkhotakota, Salima, ChitipaKaronga, Mzimba, Nkhata Bay, Rumphi, Blantyre, ChikwawaMangochi, Mulanje |
| # Branches | 33 |
| Total Portfolio (nat'l) | MWK 3,598,720,264 |
| Total Portfolio (USD) | USD 9,227,487.86 |
| Active clients with loans | 52,649 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Opportunity International, MAMN, Bankers Association of Malawi |
| Funders | Opportunity Transformation Investment, Opportunity Microfinance Investment, Trust for Transformation, Africap |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | MWK 200,000 - 50,000,000 | 3 - 48 | 20% - 40% | 0% - 20% | Business | Women, Men, Running a farming enterprise | Credit Educ, Group Mtgs, Credit Ins, Business Training | |||||||
| Masiko (Group) Loan | MWK 140,000 - 2,800,000 | 4 - 9 | 40% - 60% | 20% - 40% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training | |||||||
| Mzati (Individual) Loan | MWK 50,000 - 1,000,000 | 3 - 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business, Have home or land, Must have assets as collateral | Credit Educ, Credit Ins, Business Training, Other Training, Social Issues Training (HIV/AIDS, Gender, Vision Building),, Mthunzi (Shelter) Insurance | |||||||
| Payroll Loan | MWK 15,000 - 4,000,000 | 3 - 48 | 20% - 40% | 40% - 60% | Any Purpose | Women, Men, Salaried worker, Age must be above 18 years | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 37.00%-40.00% annual, Decl Bal | 1 Fee | 0 Ins | None | 15.00% upfront | 33.6% - 33.9% | 38.7% - 39% | 95 | ||||||||
| Masiko (Group) Loan | 48.75% annual, Flat | 1 Fee | 0 Ins | None | 15.00% upfront | 72.5% - 74.7% | 90.5% - 94.1% | 52 | ||||||||
| Mzati (Individual) Loan | 42.00% annual, Flat | 2 Fees | 1 Ins | None | 15.00% upfront | 70% - 111.5% | 92.3% - 144.5% | 39 | ||||||||
| Payroll Loan | 45.00% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 34.7% - 45.7% | 34.7% - 45.7% | 100 |
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