2. DSPI
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  2. FINCOOP
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Institution

Daan sa Pag-Unlad, Inc. 17 Gallardo St.CataningBalanga City, Bataan2100
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution

Finance Cooperative Limited ADL House, 3rd FloorCity CenterLilongwe, Central
Data approved: 2011-01-31
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established1995
Head of InstitutionSusan Layug
Regions active
# Branches14

Total Portfolio (nat'l)PhP 153,670,019
Total Portfolio (USD)USD 3,676,316.24
Active clients with loans59,311
Approximate % female clients60% - 80%
Approximate % urban clients80% - 100%
Network affiliationsAPPEND
Funders

Institution Details

Institution TypeCooperative
Is this institution regulated?N/A
Website addressN/A
Year established2004
Head of InstitutionAnthony Mtali Ngwira
Regions active0
# Branches4

Total Portfolio (nat'l)MWK 615,884,079
Total Portfolio (USD)USD 4,105,893.86
Active clients with loans33,228
Approximate % female clients80% - 100%
Approximate % urban clients60% - 80%
Network affiliationsMalawi Union of Savings and Credit Cooperations (MUSCCO), Malawi Microfinance Network (MAMN)
FundersHIVOS, CORDAID

Loan Products » Summary

Agriculture
131 Borrowers
USD 105,263.16 Portfolio
Active Product
Group
58,881 Borrowers
USD 3,498,849.28 Portfolio
Active Product
Individual
288 Borrowers
USD 72,200.96 Portfolio
Active Product

Loan Products » Summary

Mpamba (Individual Business Loan)
9,968 Borrowers
USD 1,453,333 Portfolio
Active Product
Mwai wa Mayi (Female Group Loan)
5,989 Borrowers
USD 328,472 Portfolio
Active Product
Phindu (Group Business)
4,984 Borrowers
USD 615,884 Portfolio
Active Product
Pompopompo (Emergency Loan)
665 Borrowers
USD 82,118 Portfolio
Active Product
Uchikumbe (Agriculture Loan)
21,598 Borrowers
USD 2,668,838 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan PHP 10,000 - 150,000 6 0% - 20% 0% - 20% Business Women, Men, Involved in palay production Credit Ins, Formation Program, Provision of Social Services (medical mission, etc.)
Group Loan PHP 5,000 - 50,000 6 80% - 100% 80% - 100% Business Women, Men, Have business Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Formation Program, Provision of Social Services (medical mission, etc.)
Individual Loan PHP 10,000 - 150,000 6 80% - 100% 80% - 100% Business Women, Men, Have business Credit Ins, Business Training, Formation Program, Provision of Social Services (medical mission, etc.)

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Mpamba (Individual Business Loan) MWK 10,000 - 1,500,000 2 - 12 40% - 60% 20% - 40%
Mwai wa Mayi (Female Group Loan) MWK 10,000 - 100,000 2 - 8 80% - 100% 20% - 40%
Phindu (Group Business) MWK 10,000 - 250,000 3 - 12 20% - 40% 20% - 40%
Pompopompo (Emergency Loan) MWK 1,120 - 30,000 2 - 5 20% - 40% 60% - 80%
Uchikumbe (Agriculture Loan) MWK 7,500 - 200,000 4 - 10 20% - 40% 0% - 20%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 32.0% annual, Flat 1 Fee 2 Ins None 5.00% ongoing 41.3% - 43.1% 52.2% - 71.4% 51
Group Loan 32.0% annual, Flat 2 Fees 1 Ins None 5.0% upfront 50.00 ongoing 83.1% 101% - 122.1% 29
Individual Loan 32.0% annual, Flat 2 Fees 1 Ins None 5.0% upfront 50.00 ongoing 81.4% - 88.1% 93.9% - 137.1% 29

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Mpamba (Individual Business Loan) 32.00% annual, Flat 1 Fee 0 Ins N/A 0% - 66.6% 66.8% - 77%
Mwai wa Mayi (Female Group Loan) 36.00% annual, Flat 1 Fee 0 Ins N/A 63.9% - 65.7% 71.8% - 73.8%
Phindu (Group Business) 30.00% annual, Flat 2 Fees 0 Ins N/A 0% - 65.4% 67.1% - 75.8%
Pompopompo (Emergency Loan) 36.00% annual, Flat 1 Fee 0 Ins N/A 72.1% - 75.6% 85.6% - 89.8%
Uchikumbe (Agriculture Loan) 32.00% annual, Flat 2 Fees 0 Ins N/A 62.4% - 62.8% 68.4% - 69.4%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 32.0% annual, Flat 1 Fee 2 Ins Ins None 5.00% ongoing 41.3% - 43.1% 52.2% - 71.4% 51
Group Loan 32.0% annual, Flat 2 Fees 1 Ins Ins None 5.0% upfront 50.00 ongoing 83.1% 101% - 122.1% 29
Individual Loan 32.0% annual, Flat 2 Fees 1 Ins Ins None 5.0% upfront 50.00 ongoing 81.4% - 88.1% 93.9% - 137.1% 29

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Mpamba (Individual Business Loan) 32.00% annual, Flat 1 Fee 0 Ins Ins N/A 0% - 66.6% 66.8% - 77%
Mwai wa Mayi (Female Group Loan) 36.00% annual, Flat 1 Fee 0 Ins Ins N/A 63.9% - 65.7% 71.8% - 73.8%
Phindu (Group Business) 30.00% annual, Flat 2 Fees 0 Ins Ins N/A 0% - 65.4% 67.1% - 75.8%
Pompopompo (Emergency Loan) 36.00% annual, Flat 1 Fee 0 Ins Ins N/A 72.1% - 75.6% 85.6% - 89.8%
Uchikumbe (Agriculture Loan) 32.00% annual, Flat 2 Fees 0 Ins Ins N/A 62.4% - 62.8% 68.4% - 69.4%
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