2. LTMPC
Please note that the information you are viewing is 158 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. IDEPRO
Please note that the information you are viewing is 130 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Lorenzo Tan Multi-Purpose Cooperative Lorenzo TanTangub City, Misamis Occidental/Region X7214
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

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 Summary

Number borrowers7,662
Loan Amount (range)PHP 3,000 - 150,000
Loan Term (range)1 - 6
Other Services (text summary)Tech Asst Visits, Business Training
Annual Interest & Method48.0% annual, Flat
Fees1.00% upfront
Insurance1.00% upfront
TaxNone
Comp Dep1.0% upfront 500.00 upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component59.3% (Int+Fee)
Insurance Component0.9% - 20.3%
Tax Component Range0
Full APR (int fee ins tax dep)65.7% - 80.0%
Transparency Index (min/max)18 - 105
Transparency Index (average)70

Product Summary

1,900
BOB 1,000 - 610,000
1 - 120
Credit Ins, Tech Asst Visits
16.5%-33.0% annual, Decl Bal
None
0.06%-6.60% ongoing
None
N/A
 
17.7% - 30.0%
0
0.6% - 1.3%
0
18.3% - 26.4%
48 - 705
81

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 93,277,693
Portfolio (USD)USD 2,231,523.76
Active Clients with Loans7,662
Approximate % Female Clients60% - 80%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Unsecured individual loans for any purpose of the borrower
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
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

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 78,580,575
Portfolio (USD)USD 11,641,566.67
Active Clients with Loans1,900
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Créditos otorgados en espacios territoriales y segmentos estratégicos, a personas naturales, juridicas, que sean emprendedores, pequeños productoes mypes en ámbito rural o urbano.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Educationx
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visitsx
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
CurrencyPHP
Minimum loan sizePHP 3,000
Maximum loan size150,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term6.0 months
Approx average4.0 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

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 1,000
Maximum loan size610,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,00015%
BOB 10,000-40,00040%
BOB 40,000-70,00030%
BOB 70,000-100,0005%
BOB 100,000-125,0005%
Greater than BOB 125,0005%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term120.0 months
Approx average45.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months0
Between 10 and 12 months5%
Between 13 and 18 months10%
Longer than 18 months80%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeksx
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 monthsx
Every 12 monthsx
Single end payment
Irregular paymentsx

Pricing Information

Interest
Lowest quoted nominal interest4.00%
Highest quoted nominal interest4.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionService Charge
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Insurance
% 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 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?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited1.00%
or, Fixed-amount depositedPHP 500
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid5.00%
Maximum interest rate paid5.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest16.45%
Highest quoted nominal interest33.00%
Reason(s) why interest rate variesLoan Size, Client Risk, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
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

Micro Non-Grameen samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountPHP 3,000PHP 8,000PHP 15,000PHP 30,000PHP 50,000PHP 90,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-07-012011-07-012011-06-082011-06-102011-06-272011-07-18
Loan Term (Months)3.0 months3.0 months3.0 months3.0 months3.0 months3.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component59.3%59.3%59.3%59.3%59.3%59.3%
Insurance Component5.3%5.3%5.3%5.3%5.3%5.3%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component15.4%5.5%1.3%1.9%1.4%1.1%
Full APR (int fee ins tax dep)80.0%70.1%65.9%66.5%66.0%65.7%
Transparency Index606973727373
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Procadena samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountBOB 3,000BOB 5,200BOB 69,400BOB 82,320BOB 137,200
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-11-082013-10-302014-02-082014-02-182013-11-08
Loan Term (Months)4.2 months13.0 months19.0 months49.0 months37.0 months
Grace Period (Months)-1.8 months5.5 months0.7 months9.1 months0.3 months
Total Cost of CreditBOB 195.60BOB 1,156.48BOB 12,284.50BOB 39,628.88BOB 46,163.24
True Price by Comp         
Interest price component17.7%25.6%18.5%17.9%18.8%
Fee Component0.0%0.0%0.0%0.0%0.0%
Insurance Component0.6%0.8%1.1%0.9%1.1%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)18.3%26.4%19.6%18.8%19.9%
Transparency Index9062848883
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
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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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