Banco Los Andes ProCredit S.A. - Creditos para Vivienda ME - MFTransparency.org Truth In Lending Tables

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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: 173 months

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Product Details

Key Statistics

Outstanding portfolio (USD)	USD 19,967,105.90
Portfolio (USD)	USD 19,967,105.90
Active Clients with Loans	4,573
Approximate % Female Clients	40% - 60%
Approximate % Urban Clients	80% - 100%

Methodology

Individual
Solidarity group
Village banking
Self help group
Other	N/A

Description

Producto destinado a la compra de vivienda o de terrenos, refacción, ampliación,\ranticrético, construcción, instalación de servicios básicos o cualquier otro destino que implique un\rmejoramiento de vivienda.

Loan Purpose

Any purpose
Income generation
Mortgage/housing	x
Consumer loan
Agriculture
Education
Other household finance
Other	Para Compra y construccion de vivienda
Other (2)	Para compra de terreno

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	x
Must be specific age group
Other
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	USD
Minimum loan size	USD 242
Maximum loan size	20,000

Loan Term and Grace Period

Shortest loan term	2.0 months
Longest loan term	143.0 months
Approx average	49.0 months

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	x
Every 6 months
Every 12 months
Single end payment	x
Irregular payments	x

Pricing Information

Interest

Lowest quoted nominal interest	7.44%
Highest quoted nominal interest	36.00%
Reason(s) why interest rate varies	Time as Client, Loan Size, Loan Purpose
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?
Is rate fixed for entire loan term	No

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?	Yes
Percentage of fees	0
All or some fees taxed	N/A

Full Pricing Data

Creditos para Vivienda ME samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5	Sample 6
Loan Amount	USD 400	USD 1,000	USD 2,000	USD 4,000	USD 8,000	USD 12,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2010-03-29	2010-03-23	2010-05-08	2010-03-20	2010-05-19	2010-05-11
Loan Term (Months)	7.0 months	24.0 months	36.0 months	60.0 months	27.0 months	60.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	23.6%	22.3%	20.6%	18.3%	15.8%	16.3%
Insurance Component	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Tax Component	0.4%	0.2%	0.1%	0.1%	0.1%	0.1%
Deposit Component	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	24.0%	22.5%	20.7%	18.3%	16.0%	16.3%
Transparency Index	31	33	36	41	47	46

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

Creditos para Vivienda ME Price Graphs

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Action	0	0	0	142
Adok Timo	4,200	570,000	4	174
BIMAS	11,100	4,679,000	7	142
ECLOF Kenya	20,500	5,455,000	8	142
Equity Bank	135,500	94,746,000	9	142
Family Bank	43,200	90,700,000	5	174
Jamii Bora	2,400	3,374,000	4	142
Juhudi Kilimo	10,400	4,436,000	2	142
KADET	12,900	5,402,000	4	142
K-Rep	0	0	0	142
K-Rep Bank	65,000	28,743,000	4	174
KWFT DTM	294,600	165,982,000	6	142
LKL	13,100	9,311,000	10	135
MKL	18,200	5,989,000	6	119
Opportunity Kenya	9,100	4,866,000	5	142
PAWDEP	40,900	7,133,000	2	142
RAFODE	2,900	356,000	1	142
SISDO	7,300	3,657,000	11	142
Yehu	14,000	3,149,000	11	142

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

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