2. COOJAD
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  2. AMOS
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Institution

COOPERATIVE DE LA JEUNEUSE POUR L AUTO D'EMPLOI ET DEVELOPEMENT P.O.Box 3739KIGALI250
Data approved: 2011-10-26
Data version: 1
Age of data: -   months 
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Institution

Association de Microfinance Oued Srou 2,Rue Oued SbouQuartier Ettakadoum Elkbab CentreKhénifra, Région Mèknès Tafilalet
Data approved: 2013-05-13
Data version: 1
Age of data: 140 months

Institution Details

Institution TypeCooperative
Is this institution regulated?Yes
Website addressN/A
Year established2007
Head of InstitutionJean Louis Musoni
Regions active0
# Branches0

Total Portfolio (nat'l)RWF 1,022,162,074
Total Portfolio (USD)USD 1,732,478.09
Active clients with loans1,049
Approximate % female clients20% - 40%
Approximate % urban clients60% - 80%
Network affiliationsAMIR
FundersYouth Ministry, National Youth Council, Districts

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://Néant
Year established2000
Head of InstitutionMohamed OUMAYCHA
Regions activeBeni Mellal-Khenifra, Drâa-Tafilalt
# Branches15

Total Portfolio (nat'l)MAD 6,092,844
Total Portfolio (USD)USD 716,805.18
Active clients with loans2,720
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsRéseau de la Microfinance solidaire au Maroc (RMS)
FundersAMSED, Fonds Hassan II, USAID, Fondation Mohamed V

Loan Products » Summary

Agriculture et Elevage Loan
22 Borrowers
USD 30,953 Portfolio
Active Product
Autres Loan
243 Borrowers
USD 172,372 Portfolio
Active Product
Construction Loan
35 Borrowers
USD 104,319 Portfolio
Active Product
Trade Loan
37 Borrowers
USD 203,845 Portfolio
Active Product
Transport Loan
45 Borrowers
USD 79,796 Portfolio
Active Product

Loan Products » Summary

Solidaire
1,774 Borrowers
USD 297,253.76 Portfolio
Active Product
Individuel
946 Borrowers
USD 419,551.41 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture et Elevage Loan 0 0 20% - 40% 0% - 20%
Autres Loan RWF 50,000 - 3,000,000 3 - 24 0% - 20% 40% - 60%
Construction Loan 0 0 0% - 20% 40% - 60%
Trade Loan 0 0 0% - 20% 60% - 80%
Transport Loan 0 0 0% - 20% 40% - 60%

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Produit Solidaire MAD 1,000 - 5,000 4 - 12 0% 0% - 20% Business, Agriculture Women, Have business
Produit Individuel MAD 1,500 - 50,000 4 - 36 40% - 60% 0% - 20% Business, Agriculture Women, Men, Have business

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture et Elevage Loan 0.00% annual, 0 0 Fees 0 Ins 10.4% - 66.4% 10.4% - 66.4%
Autres Loan 16.00%-18.00% annual, Decl Bal 3 Fees 1 Ins N/A 12.5% - 52.7% 12.5% - 52.7% 60
Construction Loan 0.00% annual, 0 0 Fees 0 Ins 20.7% - 51.1% 35.8% - 68.2%
Trade Loan 0.00% annual, 0 0 Fees 0 Ins 19.8% - 24.8% 34.3% - 44.1%
Transport Loan 0.00% annual, 0 0 Fees 0 Ins 19.8% - 45.6% 33.2% - 65.5%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Produit Solidaire 21.6% annual, Flat 1 Fee 0 Ins None 1.00%-1.50% ongoing 37.7% - 40.1% 43% - 44.5% 49
Produit Individuel 18.0%-20.4% annual, Flat 1 Fee 0 Ins None N/A 31.8% - 37.5% 31.8% - 37.5% 51

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture et Elevage Loan 0.00% annual, 0 0 Fees 0 Ins Ins 10.4% - 66.4% 10.4% - 66.4%
Autres Loan 16.00%-18.00% annual, Decl Bal 3 Fees 1 Ins Ins N/A 12.5% - 52.7% 12.5% - 52.7% 60
Construction Loan 0.00% annual, 0 0 Fees 0 Ins Ins 20.7% - 51.1% 35.8% - 68.2%
Trade Loan 0.00% annual, 0 0 Fees 0 Ins Ins 19.8% - 24.8% 34.3% - 44.1%
Transport Loan 0.00% annual, 0 0 Fees 0 Ins Ins 19.8% - 45.6% 33.2% - 65.5%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Produit Solidaire 21.6% annual, Flat 1 Fee 0 Ins Ins None 1.00%-1.50% ongoing 37.7% - 40.1% 43% - 44.5% 49
Produit Individuel 18.0%-20.4% annual, Flat 1 Fee 0 Ins Ins None N/A 31.8% - 37.5% 31.8% - 37.5% 51
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoOpInstitution TypeBusinessEducationHousingLoan PurposeCOOJADInstitutionRW-005-V01-P01RW-005-V01-P02RW-005-V01-P03RW-005-V01-P04RW-005-V01-P05ProductRWCountry2011YearRange Number1Institution Data Version01,000,0002,000,0003,000,0004,000,0005,000,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 60303Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeMultipleLoan PurposeAMOSInstitutionMA-004-V01-P01MA-004-V01-P02ProductMACountry2013YearRange Number1Institution Data Version05,00010,00015,00020,00025,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 1,7001,30080040040Number of Borrowers
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