Banco Los Andes ProCredit S.A. - Creditos para Vivienda MN - 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: 169 months

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Product Details

Key Statistics

Outstanding portfolio (BOB)	BOB 153,131,802.90
Portfolio (USD)	USD 22,686,193.02
Active Clients with Loans	10,574
Approximate % Female Clients	40% - 60%
Approximate % Urban Clients	80% - 100%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

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	Compra o construción de Vivienda
Other (2)	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
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	BOB
Minimum loan size	BOB 800
Maximum loan size	140,000

Loan Term and Grace Period

Shortest loan term	4.0 months
Longest loan term	145.0 months
Approx average	34.0 months

Grace Period

Grace period usage	10%
Average grace period	DK

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	7.00%
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?	No

Are taxes charged on this product?

Full Pricing Data

Creditos para Vivienda MN samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5	Sample 6
Loan Amount	BOB 2,800	BOB 6,591.77	BOB 15,000	BOB 28,000	BOB 56,600	BOB 80,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2010-01-06	2010-05-19	2010-05-31	2010-05-07	2010-06-18	2010-06-11
Loan Term (Months)	12.0 months	12.0 months	9.0 months	36.0 months	24.0 months	48.0 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	30.5%	25.3%	24.3%	22.4%	19.5%	17.2%
Insurance Component	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
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)	30.5%	25.3%	24.3%	22.4%	19.5%	17.2%
Transparency Index	23	28	29	31	36	41

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

Creditos para Vivienda MN Price Graphs

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
AGFS	200	47,000	2	155
Ahantaman RB	23,800	9,896,000	4	137
APED	13,700	1,876,000	2	137
ASA Initiative	4,400	577,000	4	137
ASA-Ghana	71,600	18,385,000	2	137
ASPI	800	88,000	6	137
Atwima Kwanwoma	3,800	1,788,000	2	137
Baobab	5,100	967,000	2	137
BestFUND	13,000	4,172,000	3	137
Bonzali Rural	10,400	1,691,000	4	155
CashPhase	83	135,000	2	137
CASUD	1,100	524,000	1	137
CEDEF	500	54,000	4	137
CFF	100	13,000	1	137
CRAN	3,600	1,019,000	2	137
DQF	1,700	63,000	2	137
EASL	9,200	11,409,000	6	137
East Mamprusi	12,500	2,268,000	4	137
ELDA	0	0	0	137
EMPRETEC Ghana	200	56,000	2	137
FASL	13,500	14,047,000	8	137
Grameen Ghana	9,500	507,000	3	137
ID-Ghana	5,600	953,000	3	137
Innovative Finance	2,700	354,000	3	137
Kraban Support	7,700	781,000	5	155
KRB	4,000	6,350,000	3	137
Lower Pra RB	34,000	6,316,000	3	155
Maata-N-Tudu	12,000	941,000	4	137
Mail Finance	300	288,000	1	137
Markaz	0	0	0	137
Markaz Al Bishara	100	17,000	1	137
MicrofinPlus Gh	1,100	251,000	2	137
Nwabiagya RB	4,000	2,265,000	3	137
OISL	62,000	27,232,000	9	137
Pro Credit	0	0	0	137
Rich Step	100	101,000	1	137
SAT	147,600	29,359,000	4	137
Sekam Trust	600	137,000	2	137
Simli Pong	8,900	463,000	3	155
SS Ghana	200	35,000	1	137
TCCU	100	32,000	3	137
The Bridge	400	32,000	3	155
Union RB	3,800	2,361,000	4	137

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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