2. INMAA
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  2. PBC
Please note that the information you are viewing is 153 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Institution Marocaine d'Appui la Micro Entreprise Angle rue Maamora et rue reine Elisabeth IIImmeuble Nafora, Appartement 2Kénitra14000
Data approved: 2013-04-24
Data version: 1
Age of data: 128 months

Institution

Peoples Bank of Caraga, Inc. Brgy. 5San Francisco, Agusan del Sur/Region XIII8501
Data approved: 2011-11-15
Data version: 1
Age of data: 153 months

Product

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Product

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Product Summary

Number borrowers3,018
Loan Amount (range)MAD 1,000 - 10,000
Loan Term (range)4 - 12
Other Services (text summary)
Annual Interest & Method24.0% annual, Flat
Fees1.00% upfront
Insurance22.00-34.00 upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component40.4% - 43.2%
Fee Component2.0% - 3.8%
Insurance Component0.3% - 6.2%
Tax Component Range0
Full APR (int fee ins tax dep)43.4% - 49.4%
Transparency Index (min/max)47 - 56
Transparency Index (average)53

Product Summary

1,876
PHP 5,000 - 75,000
6
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Education Trips of Members
28.0% annual, Flat
2.50%-5.00% upfront 1.50%-3.00% upfront
31.50-472.00 upfront
0.50% loan amt
N/A
 
N/A
66.5% (Int+Fee)
0.2% - 3.4%
0.6% - 1.2%
67.4% - 69.0%
31 - 73
41

Product Details

Key Statistics
Outstanding portfolio (MAD)MAD 8,675,966
Portfolio (USD)USD 1,020,701.88
Active Clients with Loans3,018
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Produit Individuel destiné aux AGR et aux microentrepreneurs
Loan Purpose
Any purpose
Income generationx
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 servicesx
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 institution5
# Regions for this product5
Regions ActiveRabat-Sale-Kenitra, Beni Mellal-Khenifra, Settat-Casablanca, Marrakesh-Safi, Drâa-Tafilalt

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 47,777,445
Portfolio (USD)USD 1,143,001.08
Active Clients with Loans1,876
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
(Micro-Agri) provided to serve farmers and fisherfolks involved in variety of activities with agriculture, animal husbandry and any agri-related fixed assets that can help directly to the farmer's activity.
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 visitsx
Business trainingx
Other training
OtherEducation Trips of Members
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age groupx
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
CurrencyMAD
Minimum loan sizeMAD 1,000
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than MAD 5,00020%
MAD 5,000-15,00080%
MAD 15,000-25,0000
MAD 25,000-35,0000
MAD 35,000-45,0000
Greater than MAD 45,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term12.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months90%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 5,000
Maximum loan size75,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term6.0 months
Approx average6.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest2.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionFrais de Dossier
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionDécès, Invalidité
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min22
Fixed amount - max34
Reason for variation(Moins 5 000 - Assurances Annuel 22MAD/entre 5 000 et 10 000 - Assurances Annuel 28MAD/ Plus 10 000 -Assurances Annuel 34 MAD)
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest28.00%
Highest quoted nominal interest28.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService ChargeFiling Fee
% of loan amount - min2.50%1.50%
% of loan amount - max5.00%3.00%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min31.50
Fixed amount - max472
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A
Additional Comments
TAXES PRIOR TO DISBURSEMENT: .5% of Fees; TAXES DURING PERIODIC LOAN REPAYMENTS - Documentary Stamps: .25%-.5% of Loan

Full Pricing Data

Intilaqa samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountMAD 1,000MAD 2,500MAD 5,000MAD 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-01-212013-01-212013-01-212013-01-02
Loan Term (Months)8.0 months10.0 months12.0 months12.0 months
Grace Period (Months)0.1 months0.1 months0.1 months0.1 months
Total Cost of CreditMAD 192MAD 547MAD 1,278MAD 2,528
True Price by Comp       
Interest price component40.4%40.8%40.9%40.9%
Fee Component2.8%2.3%2.0%2.0%
Insurance Component6.2%2.1%1.1%0.5%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)49.4%45.2%44.0%43.4%
Transparency Index49535555
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

ISAPA-PPP samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 8,000PHP 14,000PHP 28,000PHP 60,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-06-292011-06-302011-06-292011-06-29
Loan Term (Months)6.0 months6.0 months6.0 months6.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component66.5%66.5%66.5%66.5%
Insurance Component1.8%1.8%1.8%0.2%
Tax Component0.7%0.7%0.7%0.7%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)69.0%68.9%68.9%67.4%
Transparency Index41414142
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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