2. Harmos
Please note that the information you are viewing is 168 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

Harmos Microenterprise Development Ltd Baptist Training Center, Corner Makishi & Great East RdRhodesparkLusakaP.O. Box 33911
Data approved: 2011-12-12
Data version: 1
Age of data: 168 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-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established2003
Head of InstitutionNkosilathi Moyo
Regions active
# Branches0

Total Portfolio (nat'l)ZMK 7,227,940,834
Total Portfolio (USD)USD 1,396,703.54
Active clients with loans9,803
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsAssociation of Microfinance Institutions in Zambia
FundersWorld Vision, Cordaid

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

Agriculture
549 Borrowers
USD 76,404.95 Portfolio
Active Product
Business
9,244 Borrowers
USD 1,320,270.09 Portfolio
Active Product
Bicycle
16 Borrowers
USD 2,009.66 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 » 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
Agriculture Loan ZMK 750,000 - 2,500,000 4 - 24 40% - 60% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training
Business Loan ZMK 500,000 - 90,000,000 3 - 12 60% - 80% 20% - 40% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training

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
Agriculture Loan 51.0%-63.0% annual, Flat 2 Fees 1 Ins None N/A 99.3% - 104.2% 105.6% - 108.1% 47
Business Loan 51.0%-63.0% annual, Flat 2 Fees 1 Ins None 18.0% upfront 86.6% - 102.1% 124% - 144.9% 37

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
Agriculture Loan 51.0%-63.0% annual, Flat 2 Fees 1 Ins Ins None N/A 99.3% - 104.2% 105.6% - 108.1% 47
Business Loan 51.0%-63.0% annual, Flat 2 Fees 1 Ins Ins None 18.0% upfront 86.6% - 102.1% 124% - 144.9% 37

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.NGOInstitution TypeBusinessLoan PurposeHarmosInstitutionZM-009-V01-P01ZM-009-V01-P03ProductZMCountry2011YearRange Number1Institution Data Version01,000,0002,000,0003,000,0004,000,000Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 1,8001,30090040050Number 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
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# 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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