2. OIBM
Please note that the information you are viewing is 148 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. ACAWE
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

Institution

Opportunity Bank of Malawi Private Bag A71Lilongwe, Central
Data approved: 2012-11-29
Data version: 2
Age of data: 148 months
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Institution

Associação Kavenha Wedde Av. Eduardo Mondlane (Recinto da Parroquia Da Sagrada Familia)Quelimane, Zambezia
Data approved: 2012-01-21
Data version: 1
Age of data: 161 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.oibm.mw/
Year established2003
Head of InstitutionCosmus Kowuoche
Regions activeDedza, Dowa, Kasungu, Lilongwe, Mchinji, Nkhotakota, Salima, ChitipaKaronga, Mzimba, Nkhata Bay, Rumphi, Blantyre, ChikwawaMangochi, Mulanje
# Branches33

Total Portfolio (nat'l)MWK 3,598,720,264
Total Portfolio (USD)USD 9,227,487.86
Active clients with loans52,649
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsOpportunity International, MAMN, Bankers Association of Malawi
FundersOpportunity Transformation Investment, Opportunity Microfinance Investment, Trust for Transformation, Africap

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established2010
Head of InstitutionHonorio Sebastiao Sumale
Regions active
# Branches2

Total Portfolio (nat'l)MZN 500,000
Total Portfolio (USD)USD 16,447.37
Active clients with loans150
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliationsAPHAMA, CELIM, Caritas
FundersCELIM, Caritas

Loan Products » Summary

Agriculture
10,659 Borrowers
USD 1,894,842.67 Portfolio
Active Product
Maziko
34,795 Borrowers
USD 1,628,382.90 Portfolio
Active Product
Mzati
2,306 Borrowers
USD 1,668,409 Portfolio
Active Product
Payroll
3,548 Borrowers
USD 1,315,788.54 Portfolio
Active Product

Loan Products » Summary

Agricultura
90 Borrowers
USD 11,513.16 Portfolio
Active Product
Comercio
60 Borrowers
USD 4,934.21 Portfolio
Active Product

Loan Products » Conditions

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% Business Women, Men, Running a farming enterprise Credit Educ, Group Mtgs, Credit Ins, Business Training
Masiko (Group) Loan MWK 140,000 - 2,800,000 4 - 9 40% - 60% 20% - 40% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training
Mzati (Individual) Loan MWK 50,000 - 1,000,000 3 - 12 40% - 60% 40% - 60% Business Women, Men, Have business, Have home or land, Must have assets as collateral Credit Educ, Credit Ins, Business Training, Other Training, Social Issues Training (HIV/AIDS, Gender, Vision Building),, Mthunzi (Shelter) Insurance
Payroll Loan MWK 15,000 - 4,000,000 3 - 48 20% - 40% 40% - 60% Any Purpose Women, Men, Salaried worker, Age must be above 18 years Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credito a Agricultura MZN 3,000 - 4,000 4 - 12 60% - 80% 0% - 20% Any Purpose Women, Men Credit Educ, Credit Ins
Credito ao Comercio MZN 3,000 - 4,000 4 - 12 60% - 80% 0% - 20% Business Women, Men Credit Educ, Group Mtgs

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 37.00%-40.00% annual, Decl Bal 1 Fee 0 Ins None 15.00% upfront 33.6% - 33.9% 38.7% - 39% 95
Masiko (Group) Loan 48.75% annual, Flat 1 Fee 0 Ins None 15.00% upfront 72.5% - 74.7% 90.5% - 94.1% 52
Mzati (Individual) Loan 42.00% annual, Flat 2 Fees 1 Ins None 15.00% upfront 70% - 111.5% 92.3% - 144.5% 39
Payroll Loan 45.00% annual, Decl Bal 1 Fee 0 Ins None N/A 34.7% - 45.7% 34.7% - 45.7% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito a Agricultura 54.0% annual, Decl Bal 1 Fee 1 Ins None N/A 37.7% - 57.3% 40.2% - 61% 100
Credito ao Comercio 54.0% annual, Decl Bal 1 Fee 1 Ins None N/A 43.4% - 61% 46.3% - 65% 93

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 37.00%-40.00% annual, Decl Bal 1 Fee 0 Ins Ins None 15.00% upfront 33.6% - 33.9% 38.7% - 39% 95
Masiko (Group) Loan 48.75% annual, Flat 1 Fee 0 Ins Ins None 15.00% upfront 72.5% - 74.7% 90.5% - 94.1% 52
Mzati (Individual) Loan 42.00% annual, Flat 2 Fees 1 Ins Ins None 15.00% upfront 70% - 111.5% 92.3% - 144.5% 39
Payroll Loan 45.00% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 34.7% - 45.7% 34.7% - 45.7% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito a Agricultura 54.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 37.7% - 57.3% 40.2% - 61% 100
Credito ao Comercio 54.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 43.4% - 61% 46.3% - 65% 93
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankInstitution TypeAnyBusinessLoan PurposeOIBMInstitutionMW-010-V02-P01MW-010-V02-P02MW-010-V02-P03MW-010-V02-P04ProductMWCountry2012YearRange Number2Institution Data Version0200,000400,000600,000800,0001,000,000Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 10,0007,8005,2002,600200Number of Borrowers
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeAnyBusinessLoan PurposeACAWEInstitutionMZ-002-V01-P01MZ-002-V01-P02ProductMZCountry2012YearRange Number1Institution Data Version01,0002,0003,0004,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 40203Number 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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Key Statistics
# Samples:
# Products
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# 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
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