2. BIMAS
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

Business Initiative and Management Assistance Services (BIMAS) 2299 EmbuKenya60100
Data approved: 2010-09-14
Data version: 1
Age of data: -   months 
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Product

Imarika Loan Product 2 of 7 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (KES)KES 11,992,771
Portfolio (USD)USD 144,840.23
Active Clients with Loans242
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
For advancing entrepreneurs with grown businesses that can command a stock of Ksh 250,000 and above.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyKES
Minimum loan sizeKES 50,000
Maximum loan size2,000,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term18.0 months
Approx average12.0 months
Grace Period
Grace period usage100%
Average grace period0.5 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest17.00%
Highest quoted nominal interest17.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionPassbook Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min100
Fixed amount - max100
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Application and Insurance
% of loan amount - min4.50%
% of loan amount - max4.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount depositedKES 4,000 - N/A
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedKES 200 - N/A
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid0.33%
Maximum interest rate paid0.50%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
For the first loan in this category, the savings requirement is fixed at Ksh 4,. Subsequent loans , savings requirement is 25% of loan amount.

Full Pricing Data

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  2. IDEPRO
Please note that the information you are viewing is 125 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 
Choose version

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

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
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