Loan Conditions

Loan Amount

Currency	MZN
Minimum loan size	MZN 3,000
Maximum loan size	15,000

Distribution at Disbursement (Est.)

Loans less than MZN 5,000	40%
MZN 5,000-10,000	20%
MZN 10,000-20,000	40%
MZN 20,000-40,000	0
MZN 40,000-60,000	0
Greater than MZN 60,000	0

Loan Term and Grace Period

Shortest loan term	4.0 months
Longest loan term	6.0 months
Approx average	4.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	100%
Between 7 and 9 months	0
Between 10 and 12 months	0
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks	x
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Upfront Fees

This product has no upfront fees

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Some
Criteria	N/A
Is deposit indicated on the repayment schedule?	Yes
Do borrowers control deposit in their group?	Yes

Deposit BEFORE or AT Disbursement

% loan amount deposited	10.00% - 15.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	0
Conditions on access to deposit	End Term

Interest Paid on Deposit

Minimum interest rate paid	0
Maximum interest rate paid	0
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?

No

Additional Comments

A AfricaWorks não tem nenhum financiador/Investidor. O valor mínimo das garantias (Poupanças obrigatórias) estipulado para depósito durante o período de reembolso, corresponde a 3%, sem percentágem máxima. Os clientes depositam garantias de acordo com a sua capacidade financeira bem como o valor que prevêm receber no ciclo precedente. Os valores acima são estimados. Este produto é especialmente direccionado à chefes de famílias (pessoas que criam crianças órfãos) e pessoas que padecem de HIV e SIDA.

Tsembeka Price Graphs

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
ACSI	682,200	103,172,000	5	162
ADCSI	176,100	30,846,000	2	163
BG	47,000	4,048,000	4	162
DECSI	361,000	96,304,000	7	162
Dire	4,900	828,000	4	162
DMCPSC	1,200	69,000	1	162
Eshet	18,800	2,392,000	3	162
Harbu	22,400	1,757,000	2	162
Meklit	12,200	1,395,000	4	162
Metemamen	10,500	650,000	6	162
OCSSCO	502,700	69,565,000	3	162
OMO	323,600	31,385,000	4	162
PEACE	17,200	2,462,000	3	162
SFPI	33,600	2,750,000	3	162
Sidama	53,400	1,162,000	6	162
Wasasa	49,300	5,798,000	4	162
Wisdom MFI	45,300	5,500,000	6	159