| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.fondep.com |
| Year established | 1996 |
| Head of Institution | M. Driss Bennani |
| Regions active | Tangier-Tétouan, East and the Rif, Fes-Meknes, Rabat-Sale-Kenitra, Beni Mellal-Khenifra, Settat-Casablanca, Marrakesh-Safi, Drâa-Tafilalt, Souss-Massa |
| # Branches | 179 |
| Total Portfolio (nat'l) | MAD 905,631,966 |
| Total Portfolio (USD) | USD 106,544,937.20 |
| Active clients with loans | 128,949 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Fédération Nationale des Associations de Microcrédit, Centre Mohammed VI de Soutien à la Microfinance Solidaire, Sanabel, The Smart Campaign |
| Funders | Fond Jaïda, BEI, Banques locales marocaines, SFI |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Attarwij | MAD 3,000 - 30,000 | 3 - 36 | 40% - 60% | 40% - 60% | Business, Agriculture | Women, Men, Have business | Credit Educ | |||||||
| Attajir | MAD 30,000 - 50,000 | 6 - 48 | 20% - 40% | 40% - 60% | Business, Agriculture | Women, Men, Have business | Credit Educ | |||||||
| Attadamoun | MAD 1,000 - 25,000 | 3 - 48 | 60% - 80% | 40% - 60% | Business, Agriculture | Women, Men, Have business | Credit Educ, Group Mtgs | |||||||
| Aqar | MAD 10,000 - 30,000 | 9 - 30 | 60% - 80% | 80% - 100% | Housing | Women, Men, Have business, Have home or land, Fonctionnaires | Credit Educ | |||||||
| Binaa | MAD 8,000 - 40,000 | 6 - 42 | 40% - 60% | 60% - 80% | Housing | Women, Men, Have business, Fonctionnaires | Credit Educ | |||||||
| Islah | MAD 4,000 - 30,000 | 6 - 30 | 40% - 60% | 60% - 80% | Housing | Women, Men, Have business, Fonctionnaires | Credit Educ |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Attarwij | 34.0% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 37.3% - 44.6% | 37.3% - 44.6% | 83 | ||||||||
| Attajir | 30.0% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 30.6% - 31.7% | 30.6% - 31.7% | 96 | ||||||||
| Attadamoun | 34.5% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 38.1% - 42.5% | 38.1% - 42.5% | 85 | ||||||||
| Aqar | 27.0% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 29.2% - 30.8% | 29.2% - 30.8% | 90 | ||||||||
| Binaa | 28.5% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 30.3% - 30.6% | 30.3% - 30.6% | 93 | ||||||||
| Islah | 28.5% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 31% - 34.7% | 31% - 34.7% | 85 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| ACLEDA | 235,200 | 215,086,000 | 6 | 172 |
| AMK | 288,200 | 63,784,000 | 16 | 144 |
| AMRET | 299,500 | 149,542,000 | 8 | 144 |
| Chamroeun | 48,100 | 7,480,000 | 4 | 125 |
| Farmer Finance | 200 | 407,000 | 1 | 144 |
| First Finance | 500 | 5,819,000 | 1 | 144 |
| HKL | 73,400 | 93,842,000 | 3 | 144 |
| KREDIT | 61,800 | 59,319,000 | 9 | 144 |
| Maxima | 2,900 | 3,179,000 | 3 | 144 |
| PRASAC | 138,500 | 251,931,000 | 9 | 144 |
| Seilanithih | 15,200 | 7,516,000 | 5 | 144 |
| SPN | 35,100 | 29,828,000 | 6 | 144 |
| TPC | 120,000 | 45,931,000 | 13 | 144 |
| VF Cambodia | 148,600 | 48,984,000 | 18 | 144 |
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| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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