Monday, February 21, 2011

'Giving' to 'Grow' the Angolan Economy

In this age of integrating micro-financing into third-world countriesto help bolster struggling economies, Angola has its own system named, KixiCrédito.  KixiCrédito was the first microcredit system to offer small low-cost loans to people in Angola and has since grown from a charity to a self-funding microfinance business operating in six provinces with a loan portfolio of over $9 million. The finance system has been quite successful to date, helping many people change their lives for the better. It is not considered aid, but about giving people access to services so they can make their own way.

In the Kimbundu language, one of two Bantu languages, kixi means “giving”. In the old tradition of kixiquila, people would lend each other money or labour, knowing the favour would be repaid to them.

This principle still runs at the heart of KixiCrédito, with two-thirds of loans given out through solidarity groups of up to 15 people from a local area. “Lending to groups works well because there is trust and honour in communities,” said Joaquim Catinda, executive director of KixiCrédito, which has a default rate of only 6 per cent, much lower than the banks.

“If one person can’t make their repayment, the others have to step in. Each week every member pays a fee of, say, 200 kwanzas [about $2] on top of their repayment and this money is kept and used in case someone defaults. We have rules that people from the same family can’t be in the same loan group because if there is a death or difficulty in that family, it means two people might default and that impacts heavily on the group.”

KixiCrédito borrows money from commercial banks and then offers its clients loans ranging from $100 to $10,000, with typical monthly interest at around 3 per cent. The average loan is $900, and most people use this money to fund retail stalls at markets or service businesses such as clothes repairers or small restaurants.

“We see many people who used to sell things in their homes getting credit and being able to open small shops and restaurants,” said Catinda. “There is a real entrepreneurial spirit in Angola because people have needed to make their own way and earn a living.”

As with many other microfinance schemes, business plans are at the heart of the loan to make sure people are not overstretching themselves or without a clear plan for the money. Catinda explained: “We have to be careful about how the money is used. For instance, selling pirate CDs or electrical items on the street is illegal, so we don’t give loans for people to do that. Also, people always ask for more money than they can afford, so we go through their accounts each time and work out what is a suitable amount.”

KixiCrédito credit is currently utilizing over the counter bank loans, but Catinda said the plan was to make direct transfers into clients’ bank accounts. “We need people to learn to use banks in order to manage their money. Because people aren’t used to banks, they go there and withdraw all the credit at once. The same happens with their salaries each month, but we are trying to change this attitude.” (Sonangol Universo Magazine,  Sept 2010)

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lendingtree said...

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Mrs. McCarthy Juan said...

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I am Mrs,Leores Jazbel by name, I live in United State Of America, who have been a scam victim to so many fake lenders online between November last year till July this year but i thank my creator so much that he has finally smiled on me by directing me to this new lender who put a smile on my face this year 2020 and he did not scam me and also by not deceiving or lying to me and my friends but however this lending firm is BENJAMIN LOAN INVESTMENTS FINANCE (drbenjaminfinance@gmail.com) gave me 2% loan which amount is $900,000.00 united states dollars after my agreement to their company terms and conditions and one significant thing i love about this loan company is that they are fast and unique. {Dr.Benjamin Scarlet Owen} can also help you with a legit loan offer. He Has also helped some other colleagues of mine. If you need a genuine loan without cost/stress he his the right loan lender to wipe away your financial problems and crisis today. BENJAMIN LOAN INVESTMENTS FINANCE holds all of the information about how to obtain money quickly and painlessly via Call/Text: +1(415)630-7138 Email: drbenjaminfinance@gmail.com

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Samri nazeer said...

We have direct and efficient providers of Bank Guarantee (BG’s), Insurance Guarantees,Confirmable Bank Drafts, Standby Letters of Credit (SBLC) medium term note (MTN) and Third Party Guarantees. which are specifically for sell/lease at leasing price of 4+2% /32+2% for selling price.
If you are a potential Investor or principal looking to raise capital, we will be happy to answer any questions that you have about this opportunity and to provide you with details regarding these services.

Our BG/SBLC Financing can help you get your project funded, by providing you with yearly renewable leased bank instruments. We work directly with the providers of these instruments.


DESCRIPTION OF INSTRUMENTS:

1. Instrument: Bank Guarantee (BG) or Standby Letter of Credit (SBLC)
2. Total Face Value: Euro/USD 100,000.00 – Euro/USD 50,000,000,000.00
3. Issuing Bank: HSBC Bank London, Barclays Bank London, Deutsche Bank AG Frankfurt etc.
4. Age: One Year and One Day (With the option of Rolls and Extension)
5. Leasing Fee: 4% + 2% [negociable]
6. Delivery: Bank to Bank Swift MT799 and/or MT760
7. Payment: MT103
8. Hard Copy: By Bank Bonded Courier within 7 banking days after delivery of Swift.  

Contact: Name: SAMRI NAZEER

Email: INFO.ACEFINANCELTD@GMAIL.COM  
Skype:INFO.ACEFINANCELTD@GMAIL.COM

DEBY FINANCING LOANS COMPANY said...


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LOAN APPLICATION FORM
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debyfinancingloans@gmail.com
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DEBY FINANCING LOANS COMPANY

Mrs. McCarthy Juan said...

TESTIMONY ON HOW I GOT MY LOAN FROM A GENUINE FINANCE COMPANY LAST WEEK. Email for immediate response: drbenjaminfinance@gmail.com

{Dr.Benjamin Scarlet Owen} can also help you with a legit loan offer. He Has also helped some other colleagues of mine. If you need a genuine loan without cost/stress he his the right loan lender to wipe away your financial problems and crisis today. BENJAMIN LOAN INVESTMENTS FINANCE holds all of the information about how to obtain money quickly and painlessly via Call/Text: +1(415)630-7138 Email: drbenjaminfinance@gmail.com

Unknown said...

We offer personal Business loans services around the world. We strive to provide high quality service and high customer satisfaction, while possible financial services. We pride ourselves on our commitment to our customers; We can give you personal loans, auto loans, business / investment loans, short term loans. You can contact us for an affordable loan now at 2% interest rate. Contact us now via E-mail: abdullahibrahimlender@gmail.com
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Unknown said...

Dear sir,

I am a Direct Mandate to a genuinely renowned Investment Finance Company offering Cash & Asset Backed Financial Instruments on Lease and Sale at the best rates and with the most feasible procedures.

Instruments offered can be put in all forms of trade and can be monetized or discounted for direct funding. For Inquiry contact.

Email: longmornprojectfinances@gmail.com

Skype: longmornprojectfinance@hotmail.com

Whatsapp : +1(661)262-9225

Warm Regards
Simon Federman

Unknown said...

Rychlá pujcka ze soukromých zdroju - 35.000,-Kc až 2.500.000,-Kc. Dostali jste se do situace, kdy si potrebujete nutne pujcit ? Neuspeli jste v bance ani u nebankovních spolecností. Soukromý investor nabízí ješte dnes okamžité rešení, vyrízení – Online. Za pár minut máte po problému – finance na vašem úctu. Pomužeme vám s címkoli at rešíte pujcku, smenku, konsolidaci, exekuci, podnikání, bydlení nebo jste jen nevyšli s penezi. Z pohodlí vašeho domova nás kontaktujte na.
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Anonymous said...

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Sincerely,

Anonymous said...

Dear Sir/Ma
I am a veteran with common wealth of nations humanitarian delivery agency a subsidiary of UN..
My colleague died of covid19. Before her death she left in the sum of (€17,000,000.00) with a Security & Finance Firm in Europe for safe keeping there is an incrustation she reviled that the funds should not be left unclaimed. You are to stand as the beneficiary to late Sarah Hayes.
Respond to me your interest at lampealfredm46@gmail.com,and contact details for all other formalities which is genuine and trustworthy person.
Hoping to have a good deal with you on mutual trust.
Sincerely,

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS said...

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Alfred M Lampe said...


I am a veteran with the common wealth of nations humanitarian delivery agency, a subsidiary of the UN..
Mrs. Sarah Hayes 68 died of (covid-19). Before her death she left the sum in huge amounts with a security & finance firm in Europe for safe keeping. she revealed that the funds should not be left unclaimed. You are to stand as the beneficiary to  late Sarah Hayes.
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Ramesh Kumar said...

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Unknown said...

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May Gary said...

+1(218)2417690 

May Gary said...

We are major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe. 
We are major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe. 
we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable. 

DESCRIPTION OF INSTRUMENTS: 
1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A) 
2. Total Face Value: 10M MIN to 50B MAX USD or Euro 
3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 . 
4. Age: One Year, One Day 
5. Leasing Price: 4 1% 
6. Sale Price: 32 2% 
7. Delivery by SWIFT . 
8. Payment: MT103-23 
9. Hard Copy: Bonded Courier within 7 banking days 

We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct. 

Name:May Gary 
Email:algecoglobalfinanceplc@gmail.com 
Skype::algecoglobalfinanceplc    
or let us know via WhatsApp:+1(218)2417690 

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Bank Instrument said...

My name is Mohammed Ahsan I'm a financial Consultant of a reputable firm Operating out of the United Kingdom
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Papers & subsequent threat by the International Consortium of Investigative Journalists (ICIJ)
International Criminal Court (ICC)
Below is what my Sender can offer.
1, MT103 gpi automatic
2, MT103 wire transfer
3, MT103 TT
4, MT103/202 manual download
5, SBLC lease and Purchase

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on DOA all brokers are welcome and guarantee of there payment after successful deal
kindly send me a message via email and WhatsApp.


Email: mohammedahsan877@gmail.com

WhatsApp- +19893413179

Mrs. Carolin Glowski said...

TESTIMONY ON HOW I GOT MY LOAN AMOUNT FROM A RELIABLE AND TRUSTED LOAN COMPANY LAST WEEK. Email for immediate response drbenjaminfinance@gmail.com

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Unknown said...

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Richard Chadwick said...

Are you an individual businessman or a business organisation that wishes to expand in business ??, we offer financial instrument such as BGs, SBLCs,MTNs, LCs, CDs and others on lease and sales at a rate of 4%+2% of the face value and reasonable conditionfrom a genuine provider. You are at liberty to engage our leased facilities into trade programs as well as in signatory project(s) such as Aviation, Agriculture, Petroleum, Telecommunication and any other project(s) etc.

Contact : Mr. Richard Chadwich
Contact Email: ribellodasilver01.finance@gmail.com


With our financial/bank instrument you can establish line of credit with your bank and/or secure loan for your projects in which our bank instrument will serve collateral in your bank to fund your project.

We deliver with time and precision as set forth in the agreement. Our terms and Conditions are reasonable and we work directly with issuing bank lease providers, this instrument can be monetized on your behalf for upto 100% funding. Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

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