IDEPRO DESARROLLO EMPRESARIAL - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 123 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

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

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Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://WWW.IDEPRO.ORG/
Year established	1988
Head of Institution	ROBERTO CASANOVAS SAINZ
Regions active	0
# Branches	15

Total Portfolio (nat'l)	BOB 277,045,116.80
Total Portfolio (USD)	USD 41,043,721.01
Active clients with loans	5,428
Approximate % female clients	40% - 60%
Approximate % urban clients	40% - 60%
Network affiliations	FINRURAL
Funders

Loan Products » Summary

Indiv BOB

350 Borrowers

USD 1,737,214.96 Portfolio

Active Product

Indiv USD

767 Borrowers

USD 3,964,385 Portfolio

Active Product

Pro Mic BOB

2,361 Borrowers

USD 7,365,532 Portfolio

Active Product

Pro Mic USD

3,351 Borrowers

USD 10,797,555 Portfolio

Active Product

Indi. Se USD

731 Borrowers

USD 3,541,302.91 Portfolio

Active Product

Microcredito

4,252 Borrowers

USD 11,355,954 Portfolio

Active Product

Tipo Pro Cad

248 Borrowers

USD 708,820 Portfolio

Active Product

Tipo USD

422 Borrowers

USD 1,358,175 Portfolio

Active Product

Servi USD

11 Borrowers

USD 130,112 Portfolio

Low Volume Product

Pro Cad BOB

2 Borrowers

USD 27,069.04 Portfolio

Low Volume Product

Pro Cad USD

4 Borrowers

USD 31,601 Portfolio

Low Volume Product

Tipo Pro BOB

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
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
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

Institution Price Graph

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Please note that the information you are viewing is 136 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Finance Savings and Credit Cooperative MUSCCO HouseLilongwePO Box 1292

Data approved: 2013-01-04

Data version: 2

Age of data: 136 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (MWK)	MWK 15,423,024.54
Portfolio (USD)	USD 39,546.22
Active Clients with Loans	423
Approximate % Female Clients	0% - 20%
Approximate % Urban Clients	20% - 40%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

this is a general loan product for both employeed and business individuals

Loan Purpose

Any purpose	x
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services	x

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land
Must be a salaried worker	x
Must be specific age group
Other
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	5
# Regions for this product	5
Regions Active	Lilongwe, Mchinji, Salima, Mzimba, Blantyre

Loan Conditions

Loan Amount

Currency	MWK
Minimum loan size	MWK 5,000
Maximum loan size	1,500,000

Distribution at Disbursement (Est.)

Loans less than MWK 50,000	30%
MWK 50,000-150,000	20%
MWK 150,000-250,000	10%
MWK 250,000-350,000	10%
MWK 350,000-450,000	10%
Greater than MWK 450,000	10%

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	12.0 months
Approx average	6.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	10%
Between 4 and 6 months	20%
Between 7 and 9 months	20%
Between 10 and 12 months	50%
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	100%
Average grace period	1.0 month

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	42.00%
Highest quoted nominal interest	42.00%
Interest rate period	Yearly
Interest Rate Calculation Method	Flat
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Processing Fee
% of loan amount - min	3.00%
% of loan amount - max	3.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Insurance Premium
% of loan amount - min	2.00%
% of loan amount - max	2.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	Yes

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?	Yes
Do borrowers control deposit in their group?	Yes

Deposit BEFORE or AT Disbursement

% loan amount deposited	50.00%
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	End Term

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Umphawi (Share Oriented Loan) samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5
Loan Amount	MWK 9,000	MWK 35,000	MWK 50,000	MWK 100,000	MWK 260,000
Loan Cycle (1, 2, 3, etc)	4	1	2	9	7
Disbursement Date	2012-12-12	2012-09-18	2012-12-21	2012-09-06	2012-12-12
Loan Term (Months)	5.0 months	4.1 months	6.0 months	12.0 months	12.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months	0.0 months	0.0 months
Total Cost of Credit	MWK 2,025	MWK 6,650	MWK 13,000	MWK 47,000	MWK 122,200
True Price by Comp
Interest price component	65.9%	63.8%	67.1%	68.5%	68.4%
Fee Component	12.7%	15.2%	11.1%	6.3%	6.4%
Insurance Component	8.8%	10.4%	7.6%	4.4%	4.3%
Tax Component	0.0%	0.0%	0.0%	0.0%	0.0%
Deposit Component	207.3%	214.4%	201.5%	155.1%	154.8%
Full APR (int fee ins tax dep)	294.7%	303.8%	287.3%	234.3%	233.9%
Transparency Index	14	14	15	18	18

Original Repayment Schedule	PDF	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF	PDF

Umphawi (Share Oriented Loan) Price Graphs

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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
Std Dev

By Inst Type


By Country

	X Axis
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	Less or equal to:
	From 0 to
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Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » Pricing Information

Institution Price Graph

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Umphawi (Share Oriented Loan) samples

Umphawi (Share Oriented Loan) Price Graphs

Total Borrowers of Samples

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