2. OMO
Please note that the information you are viewing is 162 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. CCOM
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

Omo Microfinance Head OfficeHawassaPO Box 353
Data approved: 2011-12-23
Data version: 1
Age of data: 162 months

Institution

Caixa Comunitaria de Microfinancas Av. Das FPLM,832ICB e Loja de PeasMaputo
Data approved: 2013-05-09
Data version: 2
Age of data: 145 months
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Product

Rural Petty Trade Loan Product 2 of 4 « Prev | Next »

Product

GSGF Credito a Agricultura Product 6 of 6 « Prev | Next »

Product Summary

Number borrowers4,000
Loan Amount (range)ETB 2,000 - 50,000
Loan Term (range)12 - 36
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins
Annual Interest & Method15.0% annual, Flat
Fees2.00% upfront
Insurance1.00% upfront
TaxNone
Comp Dep5.0%-10.0% upfront 6.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component11.3% - 22.5% (Int+Fee)
Insurance Component1.0% - 2.1%
Tax Component Range0
Full APR (int fee ins tax dep)14.8% - 29.0%
Transparency Index (min/max)50 - 102
Transparency Index (average)65

Product Summary

1,185
MZN 30 - 100,000
8 - 12
Credit Educ, Credit Ins
36.0% annual, Decl Bal
1.00% upfront
1.00% upfront
None
20.0% upfront
 
32.1% - 51.0%
1.5% - 3.6%
1.5% - 3.6%
0
42.9% - 45.3%
46 - 97
82

Product Details

Key Statistics
Outstanding portfolio (ETB)ETB 7,021,200
Portfolio (USD)USD 381,586.96
Active Clients with Loans4,000
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
This is a loan for petty trade in rural areas.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 3,075,757.82
Portfolio (USD)USD 101,176.24
Active Clients with Loans1,185
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Credito concedito aos pequenos agricultores com actividade agricola ja aviada.Estes clientes recebem o financiamento dentro de um grupo e devem fornecer a CCOM uma garantia financeira
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution4
# Regions for this product4
Regions ActiveMaputo Capital, Maputo Province, Gaza, Cabo Delgado

Loan Conditions

Loan Amount
CurrencyETB
Minimum loan sizeETB 2,000
Maximum loan size50,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term36.0 months
Approx average12.0 months
Grace Period
Grace period usage50%
Average grace period0.5 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyMZN
Minimum loan sizeMZN 30
Maximum loan size100,000
Loan Term and Grace Period
Shortest loan term8.0 months
Longest loan term12.0 months
Approx average9.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest15.00%
Highest quoted nominal interest15.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCommission Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Insurance
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited5.00% - 10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedETB 6
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid5.00%
Maximum interest rate paid5.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No
Additional Comments
Compulsory savings is 1st cycle 10%, 2nd cycle 8%, 3rd cycle 5%. Savings interest is compounded semi-annually.

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCobertura de despesas administrativas
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionRelativo a cobertura em caso de falecimento
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Rural Petty Trade Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountETB 2,000ETB 3,000ETB 5,000ETB 7,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-03-172011-06-272011-06-242011-03-18
Loan Term (Months)12.0 months24.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component21.4%11.3%21.2%22.5%
Insurance Component2.0%1.0%2.0%2.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component4.8%2.5%4.4%4.5%
Full APR (int fee ins tax dep)28.2%14.8%27.6%29.0%
Transparency Index531005452
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

GSGF Credito a Agricultura samples
Sample 3Sample 4Sample 5
Loan AmountMZN 15,000MZN 30,000MZN 45,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-01-232013-01-142013-05-29
Loan Term (Months)8.0 months8.0 months6.0 months
Grace Period (Months)2.1 months2.2 months0.1 months
Total Cost of CreditMZN 3,900MZN 7,800MZN 9,000
True Price by Comp     
Interest price component32.3%32.1%32.8%
Fee Component1.5%1.5%2.0%
Insurance Component1.6%1.5%2.1%
Tax Component0.0%0.0%0.0%
Deposit Component7.8%7.8%8.4%
Full APR (int fee ins tax dep)43.2%42.9%45.3%
Transparency Index838479
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Rural Petty Trade Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessLoan PurposeOMOInstitutionET-011-V01-P02ProductETCountry2011YearRange Number1Institution Data Version02,0004,0006,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 80040040Number 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
GSGF Credito a Agricultura Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeAgricultureLoan PurposeCCOMInstitutionMZ-008-V02-P06ProductMZCountry2013YearRange Number2Institution Data Version010,00020,00030,00040,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 100607Number of Borrowers
Click to view Price Analysis Tool
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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
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