2. IDEPRO
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Institution

IDEPRO DESARROLLO EMPRESARIAL Calle Campos No 132, esquina Av. AcreLa Paz, La Paz14236
Data approved: 2013-10-04
Data version: 2
Age of data: 130 months
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Product

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Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 194,653,388
Portfolio (USD)USD 28,837,538.96
Active Clients with Loans8,500
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Créditos otorgados a una persona natural o jurídica o grupo de prestatarios para financiar actividades de producción, comercialización y servicios, cuya fuente principal de pago son las ventas e ingresos generados; y clasificado como mype.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
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 institution9
# Regions for this product8
Regions ActiveBeni , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 350
Maximum loan size140,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,00030%
BOB 10,000-40,00020%
BOB 40,000-70,00015%
BOB 70,000-100,00010%
BOB 100,000-125,00020%
Greater than BOB 125,00020%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term72.0 months
Approx average36.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months5%
Between 13 and 18 months5%
Longer than 18 months80%
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

Pricing Information

Interest
Lowest quoted nominal interest12.00%
Highest quoted nominal interest33.00%
Reason(s) why interest rate variesClient Risk
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
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

Full Pricing Data

Promicro samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountBOB 2,000BOB 7,000BOB 35,000BOB 41,160BOB 91,000BOB 137,200
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2014-02-192013-12-042013-11-252013-12-272014-01-302013-11-29
Loan Term (Months)2.6 months8.0 months12.0 months37.0 months61.0 months61.0 months
Grace Period (Months)-0.5 months0.3 months0.3 months0.5 months0.3 months0.4 months
Total Cost of CreditBOB 52.56BOB 894.77BOB 5,208.97BOB 13,460.79BOB 61,518.34BOB 69,022.97
True Price by Comp           
Interest price component19.1%30.0%24.1%19.1%21.1%18.1%
Fee Component0.0%0.0%0.0%0.0%0.0%0.0%
Insurance Component1.3%1.1%1.2%1.2%1.0%1.1%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)20.4%31.1%25.3%20.3%22.1%19.2%
Transparency Index10010048595462
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Promicro Price Graphs


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  2. Urwego

Institution

Urwego Opportunity Bank Plot 1230 NyarugengeAvenue de la PaixKigaliPO Box 748
Data approved: 1900-01-00
Data version: 3
Age of data: -   months 
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.uob.rw/
Year established1997
Head of InstitutionTineyi Emmanuel Mawocha
Regions activeBugesera, Burera, Gakenke, Gasabo, Gatsibo, Gicumbi, Gisagara, Huye, Kamonyi, KarongiKayonza, Kicukiro, Kirehe, Muhanga, Musanze, Ngoma, Ngororero, Nyabihu, Nyagatare, NyamagabeNyamasheke, Nyanza, Nyarugenge, Nyaruguru, Rubavu, Ruhango, Rulindo, Rusizi, Rutsiro, Rwamagana
# Branches36

Total Portfolio (nat'l)RWF 9,442,026,780
Total Portfolio (USD)USD 14,753,166.84
Active clients with loans38,207
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsOpportunity International, Hope International, World Relief
FundersMasterCard Foundation, Gates Foundation, Credit Suisse, European Union

Loan Products » Summary

Adv CB
4,400 Borrowers
USD 2,415,381.41 Portfolio
Active Product
Community
31,626 Borrowers
USD 5,853,689.15 Portfolio
Active Product
Idv Business
1,331 Borrowers
USD 4,953,276.75 Portfolio
Active Product
Sol Grp
348 Borrowers
USD 238,999.72 Portfolio
Active Product
Micro Con
255 Borrowers
USD 136,876.71 Portfolio
Active Product
Cash
0 Borrowers
USD 1,156,975.32 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
Advanced Community Banking RWF 250,000 - 3,000,000 6 - 12 60% - 80% 40% - 60% Business, Other Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training
Community Banking RWF 30,000 - 1,500,000 4 60% - 80% 20% - 40% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training
Micro Individual/Business Loan RWF 250,000 - 60,000,000 8 - 60 20% - 40% 20% - 40% Business, Agriculture, Housing, Consumer, Education Women, Men Business Training
New Solidarity Group RWF 250,000 - 6,000,000 6 - 24 60% - 80% 80% - 100% Business, Consumer, Other Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training
Micro Consumer Loans RWF 50,000 - 5,000,000 3 - 36 20% - 40% 20% - 40% Consumer, Education, Other Women, Men, Salaried worker

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Advanced Community Banking 24.0% annual, Flat 1 Fee 1 Ins 18.00% fees 10.0% upfront 43.4% - 50.1% 53% - 60.9% 42
Community Banking 24.0% annual, Flat 1 Fee 1 Ins 18.00% fees 10.0% upfront 47.4% - 54.7% 59.1% - 67.8% 37
Micro Individual/Business Loan 10.0%-20.0% annual, Decl Bal 1 Fee 1 Ins 18.00% fees N/A 21.3% - 22.9% 22.1% - 24.5% 43
New Solidarity Group 18.0% annual, Flat 1 Fee 1 Ins 18.00% fees 15.0% upfront 44.2% 60.6% 30
Micro Consumer Loans 18.0%-20.0% annual, Decl Bal 1 Fee 0 Ins None N/A 22.1% - 25.9% 22.1% - 25.9% 75
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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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