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Institution

IDEPRO DESARROLLO EMPRESARIAL Calle Campos No 132, esquina Av. AcreLa Paz, La Paz14236
Data approved: 2013-10-04
Data version: 2
Age of data: 122 months

Institution

Innovative Finance The Ghana Tours Building, C122/2 Farrar AvenueAdabrakaAccra, Greater AccraP.O. Box CT 153
Data approved: 2013-03-20
Data version: 2
Age of data: 132 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://WWW.IDEPRO.ORG/
Year established1991
Head of InstitutionJose Morales Mauri
Regions activeBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija
# Branches15

Total Portfolio (nat'l)BOB 273,491,543
Total Portfolio (USD)USD 40,517,265.63
Active clients with loans10,413
Approximate % female clients20% - 40%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.myinnovativefinance.com/
Year established1999
Head of InstitutionSheila Azuntaba
Regions activeGreater Accra Region, Northern Region
# Branches2

Total Portfolio (nat'l)GHS 698,000
Total Portfolio (USD)USD 354,314.72
Active clients with loans2,756
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsGhana Cooperative of Susu Collectors Association, ASSFIN
Funders

Loan Products » Summary

8,500 Borrowers
USD 28,837,538.96 Portfolio
Active Product
1,900 Borrowers
USD 11,641,566.67 Portfolio
Active Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
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Loan Products » Summary

231 Borrowers
USD 39,593.91 Portfolio
Active Product
275 Borrowers
USD 27,918.78 Portfolio
Active Product
2,250 Borrowers
USD 286,802.03 Portfolio
Active Product
Retired Product
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Promicro BOB 350 - 140,000 1 - 72 20% - 40% 60% - 80% Business, Agriculture Women, Men, Have business Credit Ins
Procadena BOB 1,000 - 610,000 1 - 120 20% - 40% 0% - 20% Business, Agriculture, Education Women, Men, Have business Credit Ins, Tech Asst Visits

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Individual Small Enterprise Loan GHS 2,000 - 10,000 6 - 18 60% - 80% 80% - 100% Business, Consumer, Education Women, Men, Have business, Salaried worker, Must be Innovative Finance client for at least a year Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Susu Loan GHS 200 - 1,500 3 - 8 60% - 80% 60% - 80% Business, Education, Other Women, Men, Have business, Specific age group, Must contribute daily savings prior to receiving loan. Must have guarantor., Must have been working for the past 2-3 years Credit Educ, Tech Asst Visits, Business Training, Other Training
Group Loan GHS 300 - 800 4 - 5 100% 20% - 40% Business Women Credit Educ, Tech Asst Visits, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Promicro 12.0%-33.0% annual, Decl Bal 0 Fees 1 Ins None N/A 18.1% - 30% 19.2% - 31.1% 100
Procadena 16.5%-33.0% annual, Decl Bal 0 Fees 1 Ins None N/A 17.7% - 25.6% 18.3% - 26.4% 81

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Individual Small Enterprise Loan 60.00%-84.00% annual, Flat 1 Fee 1 Ins None 30.00% upfront 105.8% - 121.6% 194% - 216.6% 29
Susu Loan 60.00%-84.00% annual, Flat 2 Fees 1 Ins None 30.00% upfront 99.5% - 131.9% 166.9% - 235.4% 28
Group Loan 42.00%-60.00% annual, Flat 2 Fees 0 Ins None 10.00%-15.00% upfront 118.2% - 119.5% 143.7% - 154.4% 28

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Promicro 12.0%-33.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 18.1% - 30% 19.2% - 31.1% 100
Procadena 16.5%-33.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 17.7% - 25.6% 18.3% - 26.4% 81

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Individual Small Enterprise Loan 60.00%-84.00% annual, Flat 1 Fee 1 Ins Ins None 30.00% upfront 105.8% - 121.6% 194% - 216.6% 29
Susu Loan 60.00%-84.00% annual, Flat 2 Fees 1 Ins Ins None 30.00% upfront 99.5% - 131.9% 166.9% - 235.4% 28
Group Loan 42.00%-60.00% annual, Flat 2 Fees 0 Ins Ins None 10.00%-15.00% upfront 118.2% - 119.5% 143.7% - 154.4% 28
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