Please note that the information you are viewing is 156 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
Please note that the information you are viewing is 122 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Pulse Financial Services Limited Cnr Freedom Way/Katunjila RoadLusakaP.O. Box RW 51269
Data approved: 2012-01-25
Data version: 1
Age of data: 156 months

Institution

IDEPRO DESARROLLO EMPRESARIAL CALLE CAMPOS NRO 132 ZONA SAN JORGELa Paz, La Paz
Data approved: 2010-10-28
Data version: 1
Age of data: -   months 

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.pfsl.com.zm/
Year established2008
Head of InstitutionClaude Lafond
Regions active
# Branches9

Total Portfolio (nat'l)ZMK 18,835,000,000
Total Portfolio (USD)USD 3,639,613.53
Active clients with loans1,481
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsAMIZ, PROXFIN
FundersAFDB, FMO, CIDA Canada, DID / CEP

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://WWW.IDEPRO.ORG/
Year established1988
Head of InstitutionROBERTO CASANOVAS SAINZ
Regions active0
# Branches15

Total Portfolio (nat'l)BOB 277,045,116.80
Total Portfolio (USD)USD 41,043,721.01
Active clients with loans5,428
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsFINRURAL
Funders

Loan Products » Summary

287 Borrowers
USD 1,330,628.02 Portfolio
Active Product
925 Borrowers
USD 2,117,004.83 Portfolio
Active Product
187 Borrowers
USD 58,743.96 Portfolio
Active Product

Loan Products » Summary

350 Borrowers
USD 1,737,214.96 Portfolio
Active Product
767 Borrowers
USD 3,964,385 Portfolio
Active Product
2,361 Borrowers
USD 7,365,532 Portfolio
Active Product
3,351 Borrowers
USD 10,797,555 Portfolio
Active Product
731 Borrowers
USD 3,541,302.91 Portfolio
Active Product
4,252 Borrowers
USD 11,355,954 Portfolio
Active Product
248 Borrowers
USD 708,820 Portfolio
Active Product
422 Borrowers
USD 1,358,175 Portfolio
Active Product
11 Borrowers
USD 130,112 Portfolio
Low Volume Product
2 Borrowers
USD 27,069.04 Portfolio
Low Volume Product
4 Borrowers
USD 31,601 Portfolio
Low Volume Product
3 Borrowers
USD 26,000 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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Home Improvement Loan ZMK 5,000,000 - 120,000,000 6 - 60 40% - 60% 40% - 60% Business, Housing Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Credit Ins
MSME Loan ZMK 1,000,000 - 120,000,000 6 - 36 40% - 60% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Women Market Loan ZMK 1,000,000 - 5,000,000 6 - 12 80% - 100% 60% - 80% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins, Other Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Crédito Individual - Pro Cadenas (BOB) BOB 780 - 354,000 3 - 72 20% - 40% 0% - 20% Business Women, Men, Have business Credit Educ, Credit Ins
Crédito Individual - Pro Cadenas (USD) USD 244 - 47,000 3.7 - 72 20% - 40% 20% - 40% Business, Capital de operación, inversión y/o pago de servic Women, Men, Have business, Pertenecer a las cadenas productivas priorizadas por IDEPRO Credit Ins, El cliente puede optar por servicios financieros exclusivamente y/o requerir tambien servicios empre
Crédito Individual - Pro Micro (BOB) BOB 1,000 - 105,000 3 - 72 40% - 60% 60% - 80% Business, Capital de Inversión, Capital de Operaciones Women, Men, Have business Credit Educ, Credit Ins
Crédito Individual - Pro Micro (USD) USD 200 - 40,000 2.8 - 72 20% - 40% 40% - 60% Business, Capital de operación, Capital de inversión Women, Men, Have business, minimo 18 años y maximo 65 años Credit Ins
Crédito Individual - Servicios Especializados e Integrados USD 150 - 20,000 4 - 72 40% - 60% 0% - 20% Business, Capital de operación, inversión y/o pago de servic Women, Men, Have business, Pertenecer a las cadenas productivas priorizadas por IDEPRO Credit Ins, El cliente puede optar por servicios financieros exclusivamente y/o requerir tambien servicios empre
Crédito Individual -Servicios de Microcrédito USD 150 - 15,000 4 - 72 40% - 60% 40% - 60% Business, Capital de operación, Capital de inversión Women, Men, Have business, minimo 18 años y maximo 65 años Credit Ins
Prendario Tipo Warrant - Pro Cadenas (USD) USD 500 - 10,000 17.7 - 72 20% - 40% 0% - 20% Business, capital de operación, inversión y/o pago de servic Women, Men, Have business, Pertenecen a cadenas productivas priorizadas por IDEPRO Credit Ins, El cliente puede optar por servicios financieros exclusivamente y/o requerir tambien servicios empre
Prendario Tipo Warrant - Servicios Especializados e Integrados USD 500 - 10,000 10 - 72 0% - 20% 0% - 20% Business, capital de operación, inversión y/o pago de servic Women, Men, Have business, Pertenecen a cadenas productivas priorizadas por IDEPRO Credit Ins, El cliente puede optar por servicios financieros exclusivamente y/o requerir tambien servicios empre

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Home Improvement Loan 30.0%-36.0% annual, Flat 1 Fee 1 Ins None 5.0% upfront 60% - 72.2% 68.7% - 80% 41
MSME Loan 54.0%-66.0% annual, Flat 1 Fee 1 Ins None 15.0% upfront 104.8% - 135.3% 139.5% - 181% 34
Women Market Loan 54.0%-66.0% annual, Flat 1 Fee 1 Ins None 20.0% upfront 122.5% - 135.3% 176.6% - 200.9% 28

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito Individual - Pro Cadenas (BOB) 14.0%-24.0% annual, Decl Bal 1 Fee 1 Ins None N/A 15.8% - 19.8% 16.5% - 20.2% 79
Crédito Individual - Pro Cadenas (USD) 13.0%-28.0% annual, Decl Bal 1 Fee 1 Ins 15.00% Principal N/A 15.2% - 29.6% 15.8% - 29.6% 58
Crédito Individual - Pro Micro (BOB) 14.0%-35.0% annual, Decl Bal 0 Fees 1 Ins None N/A 18.3% - 30.4% 18.9% - 31.1% 55
Crédito Individual - Pro Micro (USD) 12.0%-35.0% annual, Decl Bal 0 Fees 1 Ins 15.00% Principal N/A 25% - 32.6% 26.1% - 33.2% 39
Crédito Individual - Servicios Especializados e Integrados 14.0%-25.0% annual, Decl Bal 2 Fees 0 Ins None N/A 0% 0% N/A
Crédito Individual -Servicios de Microcrédito 16.0%-29.0% annual, Decl Bal 1 Fee 0 Ins 15.00% Principal N/A 0% 0% N/A
Prendario Tipo Warrant - Pro Cadenas (USD) 16.0%-19.0% annual, Decl Bal 1 Fee 1 Ins 15.00% Principal N/A 7.5% - 17.4% 7.6% - 17.5% 100
Prendario Tipo Warrant - Servicios Especializados e Integrados 16.0%-19.0% annual, Decl Bal 2 Fees 0 Ins None N/A 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Home Improvement Loan 30.0%-36.0% annual, Flat 1 Fee 1 Ins Ins None 5.0% upfront 60% - 72.2% 68.7% - 80% 41
MSME Loan 54.0%-66.0% annual, Flat 1 Fee 1 Ins Ins None 15.0% upfront 104.8% - 135.3% 139.5% - 181% 34
Women Market Loan 54.0%-66.0% annual, Flat 1 Fee 1 Ins Ins None 20.0% upfront 122.5% - 135.3% 176.6% - 200.9% 28

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito Individual - Pro Cadenas (BOB) 14.0%-24.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 15.8% - 19.8% 16.5% - 20.2% 79
Crédito Individual - Pro Cadenas (USD) 13.0%-28.0% annual, Decl Bal 1 Fee 1 Ins Ins 15.00% Principal N/A 15.2% - 29.6% 15.8% - 29.6% 58
Crédito Individual - Pro Micro (BOB) 14.0%-35.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 18.3% - 30.4% 18.9% - 31.1% 55
Crédito Individual - Pro Micro (USD) 12.0%-35.0% annual, Decl Bal 0 Fees 1 Ins Ins 15.00% Principal N/A 25% - 32.6% 26.1% - 33.2% 39
Crédito Individual - Servicios Especializados e Integrados 14.0%-25.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 0% 0% N/A
Crédito Individual -Servicios de Microcrédito 16.0%-29.0% annual, Decl Bal 1 Fee 0 Ins Ins 15.00% Principal N/A 0% 0% N/A
Prendario Tipo Warrant - Pro Cadenas (USD) 16.0%-19.0% annual, Decl Bal 1 Fee 1 Ins Ins 15.00% Principal N/A 7.5% - 17.4% 7.6% - 17.5% 100
Prendario Tipo Warrant - Servicios Especializados e Integrados 16.0%-19.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 0% 0% N/A
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Key Statistics
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Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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