Omaganhan Farmers Agrarian Reform Cooperative - MFTransparency.org Truth In Lending Tables

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

Institution

Omaganhan Farmers Agrarian Reform Cooperative OmaganhanTabango, Leyte6536

Data approved: 2011-11-28

Data version: 1

Age of data: 158 months

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Institution Details

Institution Type	Credit Union / Cooperative
Is this institution regulated?	Yes
Website address	N/A
Year established	1989
Head of Institution	Romulo R. Ocubillo
Regions active
# Branches	3

Total Portfolio (nat'l)	PhP 62,000,000
Total Portfolio (USD)	USD 1,483,253.59
Active clients with loans	5,200
Approximate % female clients	60% - 80%
Approximate % urban clients	0% - 20%
Network affiliations	NATCCO, VICTO NATIONAL
Funders	UCPB-CIIF, SEEDFinance, Landbank, SBC

Loan Products » Summary

SUMMED

4,480 Borrowers

USD 964,114.83 Portfolio

Active Product

Loan Products » Conditions

Product Name		Loan Size Range		Loan Term (months)		% Female		% Urban		Loan Purpose		Eligibility		Other Services
SUMMED (Scaling Up Micro-Finance Management and Entrepreneurial Development)		PHP 1,000 - 150,000		1 - 12		60% - 80%		0% - 20%		Business		Women, Men		Credit Educ, Credit Ins, Tech Asst Visits, Business Training

Loan Products » Pricing Information

Product Name		Annual Nominal Interest		Fees		Insurance		Taxes		Compulsory Deposit		APR (int+fee)		Full APR		Transparency Index
SUMMED (Scaling Up Micro-Finance Management and Entrepreneurial Development)		36.0%-48.0% annual, Flat		2 Fees		1 Ins		None		4.00% ongoing		82.3% - 100.9%		88.4% - 121.4%		35

Institution Price Graph

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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

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 Loans	8,500
Approximate % Female Clients	20% - 40%
Approximate % Urban Clients	60% - 80%

Methodology

Individual	x
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 generation	x
Mortgage/housing
Consumer loan
Agriculture	x
Education
Other household finance
Other
Other (2)

Included Services

Credit education
Group meetings
Credit insurance	x
Workplace visits
Business training
Other training
Other
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business	x
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 institution	9
# Regions for this product	8
Regions Active	Beni , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija

Loan Conditions

Loan Amount

Currency	BOB
Minimum loan size	BOB 350
Maximum loan size	140,000

Distribution at Disbursement (Est.)

Loans less than BOB 10,000	30%
BOB 10,000-40,000	20%
BOB 40,000-70,000	15%
BOB 70,000-100,000	10%
BOB 100,000-125,000	20%
Greater than BOB 125,000	20%

Loan Term and Grace Period

Shortest loan term	1.0 month
Longest loan term	72.0 months
Approx average	36.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	5%
Between 7 and 9 months	5%
Between 10 and 12 months	5%
Between 13 and 18 months	5%
Longer than 18 months	80%

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	12.00%
Highest quoted nominal interest	33.00%
Reason(s) why interest rate varies	Client Risk
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

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 for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Promicro samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5	Sample 6
Loan Amount	BOB 2,000	BOB 7,000	BOB 35,000	BOB 41,160	BOB 91,000	BOB 137,200
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2014-02-19	2013-12-04	2013-11-25	2013-12-27	2014-01-30	2013-11-29
Loan Term (Months)	2.6 months	8.0 months	12.0 months	37.0 months	61.0 months	61.0 months
Grace Period (Months)	-0.5 months	0.3 months	0.3 months	0.5 months	0.3 months	0.4 months
Total Cost of Credit	BOB 52.56	BOB 894.77	BOB 5,208.97	BOB 13,460.79	BOB 61,518.34	BOB 69,022.97
True Price by Comp
Interest price component	19.1%	30.0%	24.1%	19.1%	21.1%	18.1%
Fee Component	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Insurance Component	1.3%	1.1%	1.2%	1.2%	1.0%	1.1%
Tax Component	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Deposit Component	0.0%	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 Index	100	100	48	59	54	62

Original Repayment Schedule	PDF	PDF	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF	PDF	PDF

Promicro Price Graphs

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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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
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Std Dev

By Inst Type


By Country

	X Axis
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Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » Pricing Information

Institution Price Graph

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Promicro samples

Promicro Price Graphs

Total Borrowers of Samples

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