2. ProCredit
Please note that the information you are viewing is 171 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. D^Miro
Please note that the information you are viewing is 163 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Banco Los Andes ProCredit S.A. Av. Cristo Redentor No. 3730 entre 4 y 5 anilloSanta Cruz de la Sierra, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: 171 months

Institution

BANCO D-MIRO S.A. Cooperativa Americo Vespucio II Manzana A Solar 8Guayaquil, GuayasN/A
Data approved: 2011-06-27
Data version: 1
Age of data: 163 months

Product

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Product

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Product Summary

Number borrowers21,780
Loan Amount (range)USD 100 - 1,050,000
Loan Term (range)4.9 - 60.9
Other Services (text summary)Credit Ins, Business Training
Annual Interest & Method5.0%-36.0% annual, Decl Bal
FeesNone
InsuranceNone
Tax15.00% Principal
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component16.2% - 31.1% (Int+Fee)
Insurance Component0
Tax Component Range0.0% - 0.9%
Full APR (int fee ins tax dep)16.3% - 31.2%
Transparency Index (min/max)16 - 83
Transparency Index (average)22

Product Summary

2,043
USD 1,000 - 20,000
6 - 36
Credit Ins
22.9%-26.9% annual, Decl Bal
0.60% ongoing
None
None
N/A
 
N/A
27.3% (Int+Fee)
0 - 14.3%
0
39.2% - 40.1%
0 - N/A
57

Product Details

Key Statistics
Outstanding portfolio (USD)USD 111,530,358
Portfolio (USD)USD 111,530,358
Active Clients with Loans21,780
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Serán sujetos de crédito las personas naturales o jurídicas de los segmentos muy pequeña, pequeña o\rmediana empresa, pertenecientes a los sectores comercio, producción, servicios o agropecuaria.
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 insurancex
Workplace visits
Business trainingx
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
OtherNo ser parte del dirctorio ni ser ejecutivo del Banco
Other (2)Debe tener por lo menos 1 año de experiencia en el negocio que lleva adelante
# 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 (USD)USD 1,563,054.44
Portfolio (USD)USD 1,563,054.44
Active Clients with Loans2,043
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Todo crédito otorgado a personas naturales destinado a la adquisición, construcción, reparación, remodelación y mejoramiento de vivienda propia, local del negocio y adquisición de terreno o casa.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculture
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 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

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size1,050,000
Loan Term and Grace Period
Shortest loan term4.9 months
Longest loan term60.9 months
Approx average39.0 months
Grace Period
Grace period usage10%
Average grace periodDK
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end paymentx
Irregular paymentsx

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 1,000
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term36.0 months
Approx average12.0 months
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 interest5.04%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termNo
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?Yes
Percentage of fees0
All or some fees taxedN/A

Pricing Information

Interest
Lowest quoted nominal interest22.93%
Highest quoted nominal interest26.92%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionServicio de proteccio familiar en caso de fallecimiento del titular o conyuge, incapacidad total y permanente
% of loan amount - min0.60%
% of loan amount - max0.60%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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
Additional Comments
La tasa que cobramos por el servicio de protección familiar es de .595% mensual sobre el monto original del préstamo

Full Pricing Data

Crédito Empresarial ME samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 450USD 1,035.05USD 2,050USD 4,000USD 8,150USD 12,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-06-162010-06-182010-06-222010-06-192010-06-232010-06-19
Loan Term (Months)12.0 months15.0 months36.0 months36.0 months45.0 months80.0 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 Component20.5%26.1%23.7%20.3%16.2%31.1%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.3%0.2%0.1%0.1%0.1%0.1%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)20.8%26.3%23.8%20.4%16.3%31.2%
Transparency Index241921253116
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Microcrédito Vivienda samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountUSD 3,000USD 1,000USD 2,800USD 2,000USD 2,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-10-252010-10-292010-10-252010-10-272010-10-27
Loan Term (Months)15.0 months12.0 months24.0 months12.0 months18.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component27.3%27.3%27.3%27.3%27.3%
Insurance Component12.4%12.8%11.9%12.6%12.7%
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)39.7%40.1%39.2%39.9%39.9%
Transparency Index5857585857
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Crédito Empresarial ME Price Graphs


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Microcrédito Vivienda 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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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