2. AMZ
Please note that the information you are viewing is 169 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  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

Institution

Agora Microfinance Zambia Plot No 3807 Kwacha Road, OlympiaPO Box 745, Post Net Manda HillLusaka
Data approved: 2012-04-03
Data version: 1
Age of data: 169 months

Institution

Opportunity International Bank of Malawi Private Bag A71Lilongwe, Central Region
Data approved: 2011-01-06
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established2010
Head of InstitutionMaluba Handahu-Wakung'uma
Regions active
# Branches2

Total Portfolio (nat'l)ZMK 3,373,101,754
Total Portfolio (USD)USD 651,807.10
Active clients with loans4,950
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliations
FundersMoringaway, Concern Worldwide

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addresshttp://www.oibm.mw/
Year established2003
Head of InstitutionAleksandr-Alain Kalanda
Regions active0
# Branches28

Total Portfolio (nat'l)MWK 4,500,000,000
Total Portfolio (USD)USD 30,000,000
Active clients with loans48,000
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsOpportunity International, Malawi Microfinance Network, Bankers Association of Malawi
FundersOpportunity Transformation Investment, Opportunity Microfinance Investment Ltd., Trust for Transformation, Africap

Loan Products » Summary

End of Term
1,418 Borrowers
USD 225,924.64 Portfolio
Active Product
Flexi 1
3,532 Borrowers
USD 425,675.36 Portfolio
Active Product

Loan Products » Summary

Agriculture Loan
6,750 Borrowers
USD 3,733,333 Portfolio
Active Product
Masiko (Group) Loan
29,921 Borrowers
USD 3,369,567 Portfolio
Active Product
Mzati (Individual) Loan
3,878 Borrowers
USD 3,560,000 Portfolio
Active Product
Payroll Loan
6,228 Borrowers
USD 6,141,317 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
End of Term Loan ZMK 400,000 - 1,500,000 6 - 12 40% - 60% 0% Business, Agriculture Women, Men Credit Educ, Group Mtgs
Flexi 1 ZMK 400,000 - 2,000,000 3 - 12 40% - 60% 0% Business Women, Men Credit Educ, Group Mtgs

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%
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%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
End of Term Loan 60.0% annual, Decl Bal 1 Fee 0 Ins None 7.0% upfront 64.2% - 68.6% 69.1% - 73.9% 84
Flexi 1 66.0% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront 76% - 79.1% 91% - 95.2% 70

Loan Products » Pricing Information

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%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
End of Term Loan 60.0% annual, Decl Bal 1 Fee 0 Ins Ins None 7.0% upfront 64.2% - 68.6% 69.1% - 73.9% 84
Flexi 1 66.0% annual, Decl Bal 1 Fee 0 Ins Ins None 10.0% upfront 76% - 79.1% 91% - 95.2% 70

Loan Products » Pricing Information

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 Ins 31.5% - 31.6% 35.9% - 36%
Masiko (Group) Loan 35.75% annual, Flat 1 Fee 0 Ins Ins 0% - 63% 75.9% - 81%
Mzati (Individual) Loan 21.60%-30.00% annual, Flat 1 Fee 0 Ins Ins 0% - 68.9% 57.2% - 128.3%
Payroll Loan 24.50% annual, Decl Bal 1 Fee 0 Ins Ins N/A 0% 0%
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessMultipleLoan PurposeAMZInstitutionZM-002-V01-P01ZM-002-V01-P02ProductZMCountry2012YearRange Number1Institution Data Version0500,0001,000,0001,500,000Loan Size (all)0%20%40%60%80%100%Full APR (int fee ins tax dep)> 1,00070050020020Number 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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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeBusinessLoan PurposeOIBMInstitutionMW-010-V01-P01MW-010-V01-P02MW-010-V01-P03ProductMWCountry2011YearRange Number1Institution Data Version0100,000200,000300,000400,000500,000Loan Size (all)0%50%100%Full APR (int fee ins tax dep)> 5,9004,4002,9001,400100Number 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
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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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