Funding requests

If you are private sector micro-entrepreneur or a registered SME based in Mozambique you can benefit from the EIB Southern Africa Microfinance / Small-Medium Enterprise (SME) funding and obtain a loan here in Mozambique! The proposed project should meet sound financial, technical and economic criteria and fall within an eligible sector. Sectors include production, manufacturing, services, trade, tourism and the agro-industry.

Which currencies are available?

Depending on the policy of the approved financial intermediary, loans could potentially be made available in Metical, USD, EUR or other currencies traded on major foreign exchange markets.

Please submit your loan application to the EIB’s approved financial intermediary of your choice. The approved financial intermediaries are responsible for selecting and appraising eligible projects and for the submission of funding requests to the EIB for approval. As the approved financial intermediary will be taking on the credit risk, they will decide on the appropriate security depending on their risk assessment and market analysis. The approved financial intermediary due diligence and credit decisions are carried out at the approved financial intermediaries’ sole discretion.

The loan duration is generally up to 5 years and in certain cases up to 7 years. Interest rates are freely negotiated between the borrower and the AFI. They will typically depend on the market based cost of the EIB’s AAA funding as well as a margin to cover the AFI’s credit risk and administrative costs.

Download the General Rules & Conditions for Mozambique here.

Business Development

By organising a series of support interventions aimed at raising the financial education and capability levels of M/SMEs, the Business Development Programme aims at improving the level of financial literacy, managerial capacity and entrepreneurial skills of business owners and market participants.

Presently the programme is supporting FEMTECH, an initiative that provides an interactive learning experience for women to reflect on their businesses and reposition themselves competitively using innovative practices. Training is provided for small groups of 12 to 25 women. The programme demands individual attention through training and mentoring. It offers a “place” for women entrepreneurs to share their experiences and knowledge while building their confidence and transforming themselves as entrepreneurs who wish to grow their businesses substantially. At the end of each course the entrepreneurs have the possibility to present their businesses to a larger audience and a jury under the participation of a bank. Moza Banco and Millenium BIM supported the activity.

Participants of the FEMTECH course in Maputo supported by the Programme
Certificate Ceremony July 2016

M/SME Workshop

Our workshops in Mozambique are undertaken as a series of M/SME support actions aimed at improving managerial capacity and building entrepreneurship skills in order to maximize the development impact of M/SMEs, to promote job creation and to help M/SME present bankable projects to financial intermediaries.

Next event

Theme Place Tentative date
EIB MSME Conference 2016 “Supporting Growth of MSMEs in Mozambique” Maputo 7 June 2016
FEMTECH Entrepreneurial training for women Matola September to November 2016
SME business workshop Beira

25 & 26 October 2016

IV Feira e conferencia nacional de empreendedorismo Maputo 18 & 19 November 2016


The EIB MSME Conference 2016 “Supporting Growth of MSMEs in Mozambique” took place on the 7th June 2016 in Maputo.

Out of 244 participants, 158 MSME representatives gathered at the Indy Village Hotel to exchange experiences in MSME support and growth aspects for the MSME sector. Different topics were addressed in panel sessions, focusing on MSME lending, the importance of MSMEs for job creation and organized capacity building of entrepreneurs (“Business Development Services”). There was sufficient time for discussions and to sketch scenarios of possible future developments in favour of the MSMEs in Mozambique. The afternoon sessions focused on specific products that each bank provides for MSMEs. In order to reach out to the MSMEs, the involvement of EIB’s AFIs Moza Banco and Millenium BIM was of the essence. They invited their MSME customers, had booths in the venue with staff to inform MSME entrepreneurs and provided information about their credit lines in presentations.

Opening speech by EIB's Head of Regional Representation for Southern Africa and the Indian Ocean
First panel discussing about different sources of financing for MSMEs in Mozambique


The technical assistance operation is financed under the Cotonou agreement by the EU in support of EIB.
The Technical Assistance component of the project is implemented in a consortium led by Frankfurt School of Finance & Management.