| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| ACSI | 682,200 | 103,172,000 | 5 | 163 |
| ADCSI | 176,100 | 30,846,000 | 2 | 164 |
| BG | 47,000 | 4,048,000 | 4 | 163 |
| DECSI | 361,000 | 96,304,000 | 7 | 163 |
| Dire | 4,900 | 828,000 | 4 | 163 |
| DMCPSC | 1,200 | 69,000 | 1 | 163 |
| Eshet | 18,800 | 2,392,000 | 3 | 163 |
| Harbu | 22,400 | 1,757,000 | 2 | 163 |
| Meklit | 12,200 | 1,395,000 | 4 | 163 |
| Metemamen | 10,500 | 650,000 | 6 | 163 |
| OCSSCO | 502,700 | 69,565,000 | 3 | 163 |
| OMO | 323,600 | 31,385,000 | 4 | 163 |
| PEACE | 17,200 | 2,462,000 | 3 | 163 |
| SFPI | 33,600 | 2,750,000 | 3 | 163 |
| Sidama | 53,400 | 1,162,000 | 6 | 163 |
| Wasasa | 49,300 | 5,798,000 | 4 | 163 |
| Wisdom MFI | 45,300 | 5,500,000 | 6 | 160 |
| Institution Type | Private 'For-Profit' |
| Is this institution regulated? | N/A |
| Website address | http://www.oibm.mw/ |
| Year established | 2003 |
| Head of Institution | Aleksandr-Alain Kalanda |
| Regions active | 0 |
| # Branches | 28 |
| Total Portfolio (nat'l) | MWK 4,500,000,000 |
| Total Portfolio (USD) | USD 30,000,000 |
| Active clients with loans | 48,000 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Opportunity International, Malawi Microfinance Network, Bankers Association of Malawi |
| Funders | Opportunity Transformation Investment, Opportunity Microfinance Investment Ltd., 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% | ||||||||||
| Masiko (Group) Loan | MWK 35,000 - 2,000,000 | 4 - 9 | 40% - 60% | 20% - 40% | ||||||||||
| Mzati (Individual) Loan | MWK 30,000 - 600,000 | 3 - 12 | 40% - 60% | 40% - 60% | ||||||||||
| Payroll Loan | MWK 1,000 - 4,000,000 | 3 - 48 | 20% - 40% | 40% - 60% |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 26.00%-27.00% annual, Decl Bal | 1 Fee | 0 Ins | 31.5% - 31.6% | 35.9% - 36% | |||||||||||
| Masiko (Group) Loan | 35.75% annual, Flat | 1 Fee | 0 Ins | 0% - 63% | 75.9% - 81% | |||||||||||
| Mzati (Individual) Loan | 21.60%-30.00% annual, Flat | 1 Fee | 0 Ins | 0% - 68.9% | 57.2% - 128.3% | |||||||||||
| Payroll Loan | 24.50% annual, Decl Bal | 1 Fee | 0 Ins | N/A | 0% | 0% |
| Key Statistics | |
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| % Products using declining balance | |
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| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
