Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | N/A |
Year established | 1997 |
Head of Institution | Atakilt Kiros |
Regions active | |
# Branches | 142 |
Total Portfolio (nat'l) | ETB 1,800,000,000 |
Total Portfolio (USD) | USD 97,826,086.96 |
Active clients with loans | 397,000 |
Approximate % female clients | 20% - 40% |
Approximate % urban clients | 20% - 40% |
Network affiliations | AEMFI, INAFI |
Funders | NPA Norweigan Peoples Aid, SOS Faim, A Glimmer of Hope |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.amssfmc.ma |
Year established | 1994 |
Head of Institution | Zakaria Jebbouri |
Regions active | Tangier-Tétouan, East and the Rif, Fes-Meknes, Rabat-Sale-Kenitra, Beni Mellal-Khenifra |
# Branches | 49 |
Total Portfolio (nat'l) | MAD 44,000,000 |
Total Portfolio (USD) | USD 5,176,470.59 |
Active clients with loans | 13,300 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 40% - 60% |
Network affiliations | Federation Nationale des Association des Micro credit, Reseau Micro Finance Solidaire, AMT, Reseau Sanabel |
Funders | Fonds Jaida, ICO, SGMB banque, Credit Agricole |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loan | ETB 15,000 - 5,000,000 | 12 - 60 | 20% - 40% | 80% - 100% | Business | Women, Men, Have business | Credit Educ | |||||||
Civil Servant Loan | ETB 1,000 - 50,000 | 12 - 36 | 20% - 40% | 40% - 60% | Any Purpose | Women, Men, Salaried worker | Credit Educ, Group Mtgs | |||||||
Ex-fighters Association Loan | ETB 10,000 - 10,000 | 36 | 20% - 40% | 80% - 100% | Any Purpose | Women, Men, Ex-fighters association members | Credit Educ | |||||||
Housing Loan | ETB 15,000 - 5,000,000 | 12 - 60 | 20% - 40% | 80% - 100% | Housing | Women, Men | Credit Educ | |||||||
Regular Loan | ETB 500 - 20,000 | 12 - 36 | 60% - 80% | 80% - 100% | Business | Women, Men | Credit Educ, Group Mtgs, Business Training | |||||||
Rural Package Loan | ETB 200 - 30,000 | 6 - 48 | 20% - 40% | 0% - 20% | Business, Agriculture | Women, Men | Credit Educ, Tech Asst Visits | |||||||
Urban Package Loan | ETB 500 - 10,000 | 12 - 36 | 60% - 80% | 80% - 100% | Any Purpose | Women, Men | Credit Educ, Business Training |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Produit Solidaire | MAD 500 - 15,000 | 3 - 18 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business | Group Mtgs, Other Training | |||||||
Produit Investissement | MAD 3,000 - 30,000 | 6 - 30 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business | ||||||||
Produit Logement | MAD 3,000 - 30,000 | 3 - 30 | 80% - 100% | 80% - 100% | Business | Women, Men, Have business, Have home or land | ||||||||
Produit Elevage | MAD 3,000 - 30,000 | 6 - 18 | 0% - 20% | 0% | Business | Women, Men | ||||||||
Produit Fellah | MAD 3,000 - 25,000 | 4 - 6 | 0% - 20% | 0% - 20% | Business | Women, Men |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loan | 10.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 11.1% - 13.2% | 11.1% - 13.2% | 81 | ||||||||
Civil Servant Loan | 15.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 14% - 14.3% | 14% - 14.3% | 100 | ||||||||
Ex-fighters Association Loan | 15.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 14.1% | 14.1% | 100 | ||||||||
Housing Loan | 9.9% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 10.3% - 11% | 10.3% - 11% | 92 | ||||||||
Regular Loan | 18.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 16.7% - 17.6% | 16.7% - 17.6% | 100 | ||||||||
Rural Package Loan | 18.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 18% - 25.9% | 18% - 25.9% | 86 | ||||||||
Urban Package Loan | 18.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 9.7% | 9.7% | 100 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Produit Solidaire | 19.2%-24.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 40% - 49.6% | 40% - 49.6% | 41 | ||||||||
Produit Investissement | 18.0%-24.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 35.3% - 50% | 35.3% - 50% | 42 | ||||||||
Produit Logement | 18.0%-24.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 37% - 49.4% | 37% - 49.4% | 41 | ||||||||
Produit Elevage | 24.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 29.6% - 30.7% | 29.6% - 30.7% | 79 | ||||||||
Produit Fellah | 26.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 31.3% - 32.9% | 31.3% - 32.9% | 81 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loan | 10.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 11.1% - 13.2% | 11.1% - 13.2% | 81 | ||||||||
Civil Servant Loan | 15.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 14% - 14.3% | 14% - 14.3% | 100 | ||||||||
Ex-fighters Association Loan | 15.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 14.1% | 14.1% | 100 | ||||||||
Housing Loan | 9.9% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 10.3% - 11% | 10.3% - 11% | 92 | ||||||||
Regular Loan | 18.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 16.7% - 17.6% | 16.7% - 17.6% | 100 | ||||||||
Rural Package Loan | 18.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 18% - 25.9% | 18% - 25.9% | 86 | ||||||||
Urban Package Loan | 18.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 9.7% | 9.7% | 100 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Produit Solidaire | 19.2%-24.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 40% - 49.6% | 40% - 49.6% | 41 | ||||||||
Produit Investissement | 18.0%-24.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 35.3% - 50% | 35.3% - 50% | 42 | ||||||||
Produit Logement | 18.0%-24.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 37% - 49.4% | 37% - 49.4% | 41 | ||||||||
Produit Elevage | 24.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 29.6% - 30.7% | 29.6% - 30.7% | 79 | ||||||||
Produit Fellah | 26.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 31.3% - 32.9% | 31.3% - 32.9% | 81 |
Key Statistics | |
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# Products | |
# Institutions | |
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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 |
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