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Analytics

Who is borrowing, and how: age, loan terms, occupations and disbursement dates across every CDF Women and Youth loan in the import.

Whole import, unfiltered 5,064 loans MWK 2.0B 19 discrete export dates, spanning 64 days.

Borrower age

Age distribution

The youth age threshold is implied by the data, not confirmed. 70 loans are classified YOUTH at age 35 or above, where the non-youth band begins. The two categories otherwise separate cleanly at that age.

Youth is set by the fund classification recorded against each loan at disbursement rather than by an age rule applied here, which is why indicator (h) is reported with a caveat. The recorded classification is used as given; no loan is reclassified on this page.

Recorded on 5,064 of 5,064 loans · Range 18–75 · Mean 35.2

  • 18–24 years 1,092 loans · 21.6% · MWK 433.9M
  • 25–34 years 1,762 loans · 34.8% · MWK 697.7M
  • 35–44 years 1,013 loans · 20.0% · MWK 413.9M
  • 45–54 years 750 loans · 14.8% · MWK 308.2M
  • 55+ years 447 loans · 8.8% · MWK 185.9M
18–24 years — 1,092 (21.6%) 25–34 years — 1,762 (34.8%) 35–44 years — 1,013 (20.0%) 45–54 years — 750 (14.8%) 55+ years — 447 (8.8%)
35.2 mean age
  • 18–24 · 22%
  • 25–34 · 35%
  • 35–44 · 20%
  • 45–54 · 15%
  • 55+ · 9%
Borrower age

Age range by classification

  • Women 2,140 loans · Ages 35–75 · Mean 47.5
  • Youth female 1,639 loans · Ages 18–35 · Mean 26.2
  • Youth male 1,285 loans · Ages 18–71 · Mean 26.3
Disbursement timing

Disbursement by batch date

One dot per disbursement date, placed on a true calendar axis. Dot area is proportional to the number of loans disbursed that day. Dots are not joined: each batch is a separate event, read side by side, not as a timeline of lending.

Date Loans Share Gross
24 Aug 2026 9 0.2% MWK 4.5M
25 Aug 2026 111 2.2% MWK 51.2M
26 Aug 2026 65 1.3% MWK 23.6M
31 Aug 2026 10 0.2% MWK 5.0M
1 Sep 2026 51 1.0% MWK 24.3M
2 Sep 2026 185 3.7% MWK 77.2M
4 Sep 2026 10 0.2% MWK 5.0M
7 Sep 2026 220 4.3% MWK 100.6M
11 Sep 2026 175 3.5% MWK 76.6M
15 Sep 2026 201 4.0% MWK 72.2M
18 Sep 2026 169 3.3% MWK 76.4M
28 Sep 2026 215 4.2% MWK 82.0M
1 Oct 2026 796 15.7% MWK 336.7M
2 Oct 2026 26 0.5% MWK 9.0M
7 Oct 2026 227 4.5% MWK 81.3M
8 Oct 2026 10 0.2% MWK 5.0M
19 Oct 2026 273 5.4% MWK 101.9M
26 Oct 2026 2,154 42.5% MWK 832.1M
27 Oct 2026 157 3.1% MWK 75.2M

Span: 24 Aug 2026 – 27 Oct 2026 Peak single date: 42.5% of the batch

Loan terms

Tenure and sector allocation

Recorded loan term and declared enterprise sector.

Loan term split
  • BETWEEN 1 AND 2 YEARS 2,713 loans · 53.6%
  • UNDER 1 YEAR 2,351 loans · 46.4%
Declared sector

Not charted, on purpose. Sector is recorded on 2,368 of 5,064 loans (46.8%). Those rows carry 16 distinct values across a fifth of the export, which is too little to describe the portfolio.

A chart over a fifth of the rows would read as a finding about the portfolio when it is a finding about the export. The recorded values are listed instead, with their coverage attached, so the gap is visible rather than filled in.

  • Working Capital 1,277 loans · MWK 475.5M
  • Crops 789 loans · MWK 326.4M
  • Other (14 sectors) 302 loans · MWK 105.1M

2,696 of 5,064 loans carry no sector in the import.

Loan terms

Loan size distribution

22 distinct amounts were disbursed. The most common single amount is MWK 500,000, on 57.9% of loans.

  • MWK 500,000 2,932 loans · 57.9%
  • MWK 250,000 1,689 loans · 33.4%
  • MWK 400,000 121 loans · 2.4%
  • MWK 300,000 99 loans · 2.0%

Remaining amounts:

  • MWK 260,000 · 48
  • MWK 312,500 · 48
  • MWK 350,000 · 42
  • MWK 450,000 · 21
  • MWK 357,000 · 13
  • MWK 281,250 · 8
  • MWK 334,000 · 8
  • MWK 375,000 · 8
  • MWK 357,143 · 6
  • MWK 270,200 · 5
  • MWK 277,000 · 5
  • MWK 416,000 · 4
  • MWK 251,000 · 2
  • MWK 328,000 · 1
  • MWK 357,142 · 1
  • MWK 358,000 · 1
  • MWK 420,000 · 1
  • MWK 490,000 · 1
Borrower occupations

What borrowers do

Top 4 = 79.8%

Recorded on 4,952 of 5,064 loans. Largest group is 54.7% of the export.

  1. 1. Business Owner 2,769 loans · 54.7%
  2. 2. FARMER 744 loans · 14.7%
  3. 3. Entrepreneur 339 loans · 6.7%
  4. 4. Trader 189 loans · 3.7%

And 57 more occupations, each a small share:

  • Salesgirl · 169
  • Retailer · 140
  • Self-employed · 139
  • Sales Representative · 85
  • Vegetable & Fruit Seller · 46
  • Others · 37
  • Agronomist · 30
  • BAKER · 26
  • Salesman · 23
  • Actor · 21
  • Other · 18
  • Officer · 16
  • Factory Worker · 14
  • Hair Dresser · 14
  • Accounts Officer · 13
  • ACCOUNTANT · 11
  • BUTCHER · 11
  • Shop Keeper · 8
  • Accounts Clerk · 7
  • TAILOR · 7
  • Agricultural Consultant · 6
  • Business Strategist · 5
  • Clothing Trades Worker · 5
  • BARBER · 4
  • Dealer · 4
  • Bus Driver · 4
  • None · 3
  • Unemployed · 3
  • Cook · 3
  • Field Worker · 3
  • Caretaker · 2
  • Carpenter · 2
  • AGRICULTURAL ENGNEERING · 2
  • Baby-sitter · 2
  • ARTIST · 2
  • Retired · 2
  • Chef · 2
  • ANIMAL BREEDER · 2
  • Analyst · 2
  • Cake Seller · 1
  • Taxi Driver · 1
  • Shop Sales Assistants · 1
  • MODEL · 1
  • Foreman · 1
  • Poultry Farmer · 1
  • Barister · 1
  • Actuary · 1
  • Travel Agent & consultant · 1
  • Gardener · 1
  • Fashion And Other Models · 1
  • Engineer - Electrical · 1
  • Prison Officer · 1
  • Fashion Designer · 1
  • Embroiderer · 1
  • Barman · 1
  • Fast Food Preparers · 1
  • ARMY · 1

Data last imported 27 Oct 2026.