2. YOSEFO
Please note that the information you are viewing is 161 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Hluvuku-ADSEMA
Please note that the information you are viewing is 145 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Youth Self Employment Foundation Head OfficeDar Es SalaamPO Box 74379
Data approved: 2011-12-18
Data version: 1
Age of data: 161 months

Institution

Hluvuku-Associacao de Desenvolvimeto Socio-Economio De Matutuine Rua Principal, Bela Vista Parcela 33Bela Vista, Maputo
Data approved: 2013-05-09
Data version: 2
Age of data: 145 months
Choose version

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.yosefo.org/
Year established1996
Head of InstitutionAletmius Millinga
Regions active
# Branches6

Total Portfolio (nat'l)TZS 3,516,132,881
Total Portfolio (USD)USD 2,211,404.33
Active clients with loans17,135
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsTAMFI
FundersMiche Foundation, Stromme Foundation

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established2001
Head of InstitutionBernardo Luis Tembe
Regions activeMaputo Capital, Maputo Province
# Branches7

Total Portfolio (nat'l)MZN 89,981,867.66
Total Portfolio (USD)USD 2,959,929.86
Active clients with loans5,382
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsAMOMIF, AFRACA
FundersFord Foundation, DNPDR/UNCDF, FARE, Oxfam/Novib

Loan Products » Summary

Benkijamii
3,305 Borrowers
USD 144,872 Portfolio
Active Product
Group Loan
13,714 Borrowers
USD 2,003,646.91 Portfolio
Active Product
Mavuno
116 Borrowers
USD 62,885.41 Portfolio
Active Product

Loan Products » Summary

Com & Serv
1,866 Borrowers
USD 887,978.96 Portfolio
Active Product
Agro
450 Borrowers
USD 443,989.48 Portfolio
Active Product
Habit & Cons
3,066 Borrowers
USD 1,627,961.42 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Benkijamii Loan TZS 50,000 - 1,500,000 3 - 12 60% - 80% 0% - 20% Any Purpose Women, Men, Have business, Belong to the community enjoying the services Tech Asst Visits, Business Training
Group Loan TZS 50,000 - 2,000,000 3 - 12 60% - 80% 60% - 80% Business Women, Men, Have business Credit Ins
Mavuno Loan TZS 2,000,000 - 15,000,000 3 - 12 60% - 80% 80% - 100% Any Purpose Women, Men, Have business, Have home or land Credit Educ, Tech Asst Visits, Business Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Comercio & Servicos MZN 1,500 - 350,000 4 - 18 60% - 80% 0% - 20% Business Women, Men Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Credito Agro-pecuaria/ Agro-negocios MZN 1,500 - 200,000 6 - 18 40% - 60% 0% - 20% Business, Agriculture Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Other Training
Credito Habitacao e Bens de consumo MZN 1,500 - 600,000 6 - 18 40% - 60% 0% - 20% Business, Housing, Consumer, Education, Other Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Benkijamii Loan 24.00%-29.00% annual, Flat 1 Fee 1 Ins None 25.00% upfront 45.1% - 54.3% 89.8% - 106.4% 25
Group Loan 24.00%-29.00% annual, Flat 1 Fee 1 Ins None 25.00% upfront 48.9% - 52.3% 62% - 106.5% 26
Mavuno Loan 24.00%-29.00% annual, Flat 1 Fee 1 Ins None 25.00% upfront 49.6% - 51.5% 88.6% - 91.8% 26

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Comercio & Servicos 55.2% annual, Decl Bal 1 Fee 1 Ins None N/A 50% - 53.6% 52.1% - 55.8% 100
Credito Agro-pecuaria/ Agro-negocios 34.8% annual, Decl Bal 1 Fee 1 Ins None N/A 30.5% - 35% 32.5% - 37% 100
Credito Habitacao e Bens de consumo 50.4% annual, Decl Bal 1 Fee 1 Ins None N/A 43.7% - 49.3% 45.9% - 51.5% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Benkijamii Loan 24.00%-29.00% annual, Flat 1 Fee 1 Ins Ins None 25.00% upfront 45.1% - 54.3% 89.8% - 106.4% 25
Group Loan 24.00%-29.00% annual, Flat 1 Fee 1 Ins Ins None 25.00% upfront 48.9% - 52.3% 62% - 106.5% 26
Mavuno Loan 24.00%-29.00% annual, Flat 1 Fee 1 Ins Ins None 25.00% upfront 49.6% - 51.5% 88.6% - 91.8% 26

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Comercio & Servicos 55.2% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 50% - 53.6% 52.1% - 55.8% 100
Credito Agro-pecuaria/ Agro-negocios 34.8% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 30.5% - 35% 32.5% - 37% 100
Credito Habitacao e Bens de consumo 50.4% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 43.7% - 49.3% 45.9% - 51.5% 100
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeAnyBusinessLoan PurposeYOSEFOInstitutionTZ-019-V01-P01TZ-019-V01-P02TZ-019-V01-P03ProductTZCountry2011YearRange Number1Institution Data Version01,000,0002,000,0003,000,0004,000,000Loan Size (all)0%50%100%Full APR (int fee ins tax dep)> 4,1003,0002,0001,000100Number 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.
Click to view Price Analysis Tool
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessMultipleLoan PurposeHluvuku-ADSEMAInstitutionMZ-010-V02-P01MZ-010-V02-P02MZ-010-V02-P03ProductMZCountry2013YearRange Number2Institution Data Version010,00020,00030,00040,00050,00060,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 1,20090060030030Number of Borrowers
Click to view Price Analysis Tool
Caps / Zoom options
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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞