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
  2. LKL
Please note that the information you are viewing is 138 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

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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Institution

Letshego Kenya Limited P.O. Box 52926 00200Nairobi, Nairobi
Data approved: 2013-09-18
Data version: 2
Age of data: 138 months
Choose version

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established1998
Head of InstitutionEnoque Raimundo Changamo
Regions activeMaputo Capital, Maputo Province, Gaza, Cabo Delgado
# Branches12

Total Portfolio (nat'l)MZN 91,065,272.39
Total Portfolio (USD)USD 2,995,568.17
Active clients with loans12,816
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsAMOMIF, MAIN
FundersAgencia Francesa de Desenvolvimento AFD, Uniao Europeia, FARE, ADIPSA

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.microafricagroup.com/
Year established2000
Head of InstitutionJames Mugambi
Regions activeCentral, Coast, Eastern, Nairobi, Rift Valley
# Branches11

Total Portfolio (nat'l)KES 770,993,115
Total Portfolio (USD)USD 9,311,511.05
Active clients with loans13,164
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Loan Products » Summary

Indv CCOM
1,080 Borrowers
USD 720,306.95 Portfolio
Active Product
Individual
162 Borrowers
USD 118,252.57 Portfolio
Active Product
Sem Avalista
322 Borrowers
USD 244,837.76 Portfolio
Active Product
Micronegocio
4,878 Borrowers
USD 985,119.45 Portfolio
Active Product
Comercio
1,564 Borrowers
USD 825,875.20 Portfolio
Active Product
Agricultura
1,185 Borrowers
USD 101,176.24 Portfolio
Active Product

Loan Products » Summary

Biashara
1,985 Borrowers
USD 3,233,509.01 Portfolio
Active Product
Group
6,440 Borrowers
USD 3,471,656.48 Portfolio
Active Product
Maji
363 Borrowers
USD 60,130.79 Portfolio
Active Product
Government
2,298 Borrowers
USD 1,545,809.67 Portfolio
Active Product
Payroll
1,392 Borrowers
USD 913,677.99 Portfolio
Active Product
Solar
202 Borrowers
USD 10,668.14 Portfolio
Active Product
Emergency
332 Borrowers
USD 23,617.40 Portfolio
Active Product
School
69 Borrowers
USD 11,838.38 Portfolio
Active Product
Biogas
82 Borrowers
USD 39,637 Portfolio
Active Product
Cheque
1 Borrowers
USD 966.18 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credito Individual CCOM MZN 10,000 - 100,000 6 - 12 40% - 60% 60% - 80% Business Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Credito Individual MZN 10,000 - 100,000 6 - 12 40% - 60% 60% - 80% Business Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Tech Asst Visits, Business Training, Other Training
Credito Individual Sem Avalista MZN 10,000 - 100,000 4 - 12 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Grupo Solidario Pequeno Grupo Micronegocios MZN 4,000 - 50,000 6 - 12 40% - 60% 60% - 80% Any Purpose Women, Men, Have business, Have home or land
Grupo Solidario Pequeno Grupo Comercio MZN 10,000 - 45,000 6 40% - 60% 80% - 100% Any Purpose Women, Men, Have business, Have home or land, Salaried worker
GSGF Credito a Agricultura MZN 30 - 100,000 8 - 12 40% - 60% 0% - 20% Agriculture Women, Men, Have business, Have home or land Credit Educ, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Biashara KES 50,000 - 3,000,000 3 - 24 40% - 60% 40% - 60% Business, Housing, Other Women, Men, Have business, Have home or land Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training
Group KES 3,000 - 1,500,000 3 - 24 40% - 60% 20% - 40% Any Purpose Women, Men, Have business, Must be known by the other members Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training
Maji Nyumbani KES 6,192 - 63,184 3 - 12 60% - 80% 0% - 20% This loan is for the purchase of water tanks only Women, Men Credit Educ, Other Training
Government Check Off KES 1 - 1,000,000 3 - 60 0% - 20% 20% - 40% Any Purpose Women, Men, Salaried worker Credit Educ
Payroll (MOU) KES 1 - 300,000 3 - 24 0% - 20% 20% - 40% Any Purpose Women, Men, Salaried worker Credit Educ, Credit Ins
Solar KES 2,990 - 41,400 3 - 12 40% - 60% 0% - 20% Housing Women, Men Credit Educ, Other Training
Emergency KES 3,000 - 10,000 3 - 4 40% - 60% 40% - 60% Any Purpose Women, Men Credit Educ, Other Training
School Fees KES 10,000 - 50,000 3 - 6 60% - 80% 40% - 60% Education Women, Men Credit Educ, Group Mtgs, Other Training
Biogas KES 20,000 - 250,000 3 - 18 40% - 60% 0% - 20% Consumer Women, Men, Have home or land Credit Educ, Group Mtgs, Tech Asst Visits, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito Individual CCOM 54.0% annual, Decl Bal 1 Fee 1 Ins None 30.0% upfront 51% - 54.6% 96.8% - 108% 53
Credito Individual 54.0% annual, Decl Bal 1 Fee 1 Ins None 12.0% upfront 51.6% - 53.3% 66.4% - 69.6% 79
Credito Individual Sem Avalista 54.0% annual, Decl Bal 1 Fee 1 Ins None None 53% - 54% 55.8% - 57.5% 95
Grupo Solidario Pequeno Grupo Micronegocios 54.0% annual, Decl Bal 1 Fee 1 Ins None 33.3% upfront 53.9% - 54.5% 116.5% - 118.1% 45
Grupo Solidario Pequeno Grupo Comercio 54.0% annual, Decl Bal 1 Fee 1 Ins None 33.3% upfront 54% - 54.4% 116.9% - 117.8% 46
GSGF Credito a Agricultura 36.0% annual, Decl Bal 1 Fee 1 Ins None 20.0% upfront 33.6% - 34.8% 42.9% - 45.3% 82

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Biashara 22.0% annual, Flat 2 Fees 1 Ins None 41.5% - 47.5% 44.3% - 64% 44
Group 20.0% annual, Flat 2 Fees 1 Ins None 15.0%-20.0% upfront 400.00 ongoing 37% - 42.9% 59.1% - 79.9% 31
Maji Nyumbani 22.0% annual, Flat 0 Fees 1 Ins None 10.0%-20.0% upfront 37.9% - 38.5% 49.8% - 52% 43
Government Check Off 23.3%-30.0% annual, Flat 2 Fees 1 Ins None N/A 49.8% - 51.9% 50.9% - 52.4% 45
Payroll (MOU) 22.0% annual, Flat 2 Fees 1 Ins None N/A 41.9% - 46% 43.7% - 49.1% 48
Solar 20.0% annual, Flat 0 Fees 0 Ins None N/A 34.4% - 35.6% 34.4% - 35.6% 57
Emergency 18.0% annual, Flat 1 Fee 1 Ins None N/A 29.7% - 31.6% 38.6% - 41.2% 45
School Fees 22.0% annual, Flat 0 Fees 1 Ins None N/A 31.6% - 34.2% 37.8% - 40.9% 91
Biogas 20.0% annual, Flat 2 Fees 1 Ins None N/A 32.3% - 32.4% 35.8% - 35.9% 56

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito Individual CCOM 54.0% annual, Decl Bal 1 Fee 1 Ins Ins None 30.0% upfront 51% - 54.6% 96.8% - 108% 53
Credito Individual 54.0% annual, Decl Bal 1 Fee 1 Ins Ins None 12.0% upfront 51.6% - 53.3% 66.4% - 69.6% 79
Credito Individual Sem Avalista 54.0% annual, Decl Bal 1 Fee 1 Ins Ins None None 53% - 54% 55.8% - 57.5% 95
Grupo Solidario Pequeno Grupo Micronegocios 54.0% annual, Decl Bal 1 Fee 1 Ins Ins None 33.3% upfront 53.9% - 54.5% 116.5% - 118.1% 45
Grupo Solidario Pequeno Grupo Comercio 54.0% annual, Decl Bal 1 Fee 1 Ins Ins None 33.3% upfront 54% - 54.4% 116.9% - 117.8% 46
GSGF Credito a Agricultura 36.0% annual, Decl Bal 1 Fee 1 Ins Ins None 20.0% upfront 33.6% - 34.8% 42.9% - 45.3% 82

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Biashara 22.0% annual, Flat 2 Fees 1 Ins Ins None 41.5% - 47.5% 44.3% - 64% 44
Group 20.0% annual, Flat 2 Fees 1 Ins Ins None 15.0%-20.0% upfront 400.00 ongoing 37% - 42.9% 59.1% - 79.9% 31
Maji Nyumbani 22.0% annual, Flat 0 Fees 1 Ins Ins None 10.0%-20.0% upfront 37.9% - 38.5% 49.8% - 52% 43
Government Check Off 23.3%-30.0% annual, Flat 2 Fees 1 Ins Ins None N/A 49.8% - 51.9% 50.9% - 52.4% 45
Payroll (MOU) 22.0% annual, Flat 2 Fees 1 Ins Ins None N/A 41.9% - 46% 43.7% - 49.1% 48
Solar 20.0% annual, Flat 0 Fees 0 Ins Ins None N/A 34.4% - 35.6% 34.4% - 35.6% 57
Emergency 18.0% annual, Flat 1 Fee 1 Ins Ins None N/A 29.7% - 31.6% 38.6% - 41.2% 45
School Fees 22.0% annual, Flat 0 Fees 1 Ins Ins None N/A 31.6% - 34.2% 37.8% - 40.9% 91
Biogas 20.0% annual, Flat 2 Fees 1 Ins Ins None N/A 32.3% - 32.4% 35.8% - 35.9% 56
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeAgricultureAnyBusinessLoan PurposeCCOMInstitutionMZ-008-V02-P01MZ-008-V02-P02MZ-008-V02-P03MZ-008-V02-P04MZ-008-V02-P05MZ-008-V02-P06ProductMZCountry2013YearRange Number2Institution Data Version020,00040,00060,000Loan Size (all)0%50%100%Full APR (int fee ins tax dep)> 40020020Number of Borrowers
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeAnyBusinessConsumerEducationHousingOtherLoan PurposeLKLInstitutionKE-019-V02-P01KE-019-V02-P02KE-019-V02-P03KE-019-V02-P04KE-019-V02-P05KE-019-V02-P07KE-019-V02-P08KE-019-V02-P09KE-019-V02-P10ProductKECountry2013YearRange Number2Institution Data Version0100,000200,000300,000400,000500,000Loan Size (all)0%20%40%60%80%Full APR (int fee ins tax dep)> 60030030Number of Borrowers
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Key Statistics
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# 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
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