Institution Type | Other |
Is this institution regulated? | Yes |
Website address | http://www.losandesprocredit.com.bo/ |
Year established | 1995 |
Head of Institution | Pablo Alberto González López |
Regions active | |
# Branches | 62 |
Total Portfolio (nat'l) | BOB 2,650,421,275 |
Total Portfolio (USD) | USD 392,655,003.70 |
Active clients with loans | 83,776 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 80% - 100% |
Network affiliations | ASOFIN, ASOBAN |
Funders | ProCredit Holding AG, Helen Alexander, Gabriel Schor, Mariano Larena |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito con garantía de títulos valor | BOB 250 - 135,000 | 0.9 - 60 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men | Credit Ins | |||||||
Crédito con garantía de títulos valor ME | USD 100 - 125,000 | 1.3 - 45.3 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men | Credit Ins | |||||||
Crédito Empresarial ME | USD 100 - 1,050,000 | 4.9 - 60.9 | 40% - 60% | 0% - 20% | Any Purpose | Women, Men, Have business, No ser parte del dirctorio ni ser ejecutivo del Banco, Debe tener por lo menos 1 año de experiencia en el negocio que lleva adelante | Credit Ins, Business Training | |||||||
Crédito Empresarial MN | BOB 480 - 3,485,000 | 1 - 303.4 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men, Have business, No ser parte del dirctorio ni ser ejecutivo del Ba, Debe tener por lo menos 1 año de experiencia en el | Credit Ins, Business Training | |||||||
Creditos para Asalariados ME | USD 200 - 15,000 | 4 - 121 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men, Salaried worker, Debe ser propietario de inmueble o presentar un garante personal | Credit Ins | |||||||
Creditos para Asalariados MN | BOB 601 - 70,000 | 1.4 - 61.4 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men, Salaried worker, Debe ser propietario de inmueble o presentar un garante personal | Credit Ins | |||||||
Creditos para Vivienda ME | USD 242 - 20,000 | 2 - 143 | 40% - 60% | 80% - 100% | Housing, Para Compra y construccion de vivienda, Para compra de terreno | Women, Men, Have business, Salaried worker | Credit Ins | |||||||
Creditos para Vivienda MN | BOB 800 - 140,000 | 4 - 145 | 40% - 60% | 80% - 100% | Housing, Compra o construción de Vivienda, Compra de Terreno | Women, Men, Have business | Credit Ins |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito con garantía de títulos valor | 4.3%-25.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 7.2% - 15.1% | 7.2% - 15.1% | 42 | ||||||||
Crédito con garantía de títulos valor ME | 5.0%-22.0% annual, Decl Bal | 0 Fees | 0 Ins | 15.00% Principal | N/A | 7.1% - 14.8% | 7.9% - 14.7% | 53 | ||||||||
Crédito Empresarial ME | 5.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | 15.00% Principal | N/A | 16.2% - 31.1% | 16.3% - 31.2% | 22 | ||||||||
Crédito Empresarial MN | 8.5%-38.6% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 15.3% - 27.5% | 15.3% - 27.5% | 41 | ||||||||
Creditos para Asalariados ME | 6.4%-33.0% annual, Decl Bal | 0 Fees | 0 Ins | 15.00% Principal | N/A | 7.5% - 22.4% | 7.6% - 22.6% | 48 | ||||||||
Creditos para Asalariados MN | 6.6%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 16.2% - 28.4% | 16.2% - 28.4% | 28 | ||||||||
Creditos para Vivienda ME | 7.4%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | 15.00% Principal | N/A | 15.8% - 23.6% | 16% - 24% | 39 | ||||||||
Creditos para Vivienda MN | 7.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 17.2% - 30.5% | 17.2% - 30.5% | 31 |
Outstanding portfolio (MAD) | MAD 23,108,000 |
Portfolio (USD) | USD 2,718,588.24 |
Active Clients with Loans | 773 |
Approximate % Female Clients | 0% - 20% |
Approximate % Urban Clients | 80% - 100% |
Individual | |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | Financement du fonds de roulement et d'investissement |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | |
Workplace visits | x |
Business training | x |
Other training | x |
Other | |
Other (2) | |
No other services |
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) |
# Regions for this institution | 12 |
# Regions for this product | 12 |
Regions Active | Tangier-Tétouan, East and the Rif, Fes-Meknes, Rabat-Sale-Kenitra, Beni Mellal-Khenifra, Settat-Casablanca, Marrakesh-Safi, Drâa-Tafilalt, Souss-Massa, Guelmim-Oued NounEl Aiun-Saguia al Hamra, Dakhla-Oued Addahab |
Currency | MAD |
Minimum loan size | MAD 40,500 |
Maximum loan size | 50,000 |
Loans less than MAD 5,000 | 0 |
MAD 5,000-15,000 | 0 |
MAD 15,000-25,000 | 0 |
MAD 25,000-35,000 | 0 |
MAD 35,000-45,000 | 10% |
Greater than MAD 45,000 | 10% |
Shortest loan term | 6.0 months |
Longest loan term | 48.0 months |
Approx average | 34.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 50% |
Between 7 and 9 months | 30% |
Between 10 and 12 months | 10% |
Between 13 and 18 months | 5% |
Longer than 18 months | 5% |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | x |
Every 2 weeks | x |
Every 4 weeks | x |
Monthly | |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 1.50% |
Highest quoted nominal interest | 1.50% |
Interest rate period | Monthly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | Fee 2 | ||
---|---|---|---|
Description | Frais de dossier | Commission d'accompagnement solidaire (CAS) | |
% of loan amount - min | 0 | 1.50% | |
% of loan amount - max | 0 | 1.50% | |
OR, Fixed amount - min | 125 | 0 | |
Fixed amount - max | 125 | 0 | |
Reason for variation | N/A | N/A | |
Appears on Repayment Sched? | Yes | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 2 | Sample 3 | Sample 4 | |||
---|---|---|---|---|---|
Loan Amount | MAD 40,000 | MAD 50,000 | MAD 50,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2013-04-16 | 2013-04-11 | 2013-06-06 | ||
Loan Term (Months) | 28.0 months | 45.0 months | 34.0 months | ||
Grace Period (Months) | 0.4 months | 0.4 months | 0.4 months | ||
Total Cost of Credit | MAD 12,150 | MAD 20,090 | MAD 15,051 | ||
True Price by Comp | |||||
Interest price component | 21.7% | 18.2% | 18.2% | ||
Fee Component | 1.7% | 1.1% | 1.4% | ||
Insurance Component | 0.0% | 0.0% | 0.0% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 0.0% | 0.0% | 0.0% | ||
Full APR (int fee ins tax dep) | 23.4% | 19.3% | 19.6% | ||
Transparency Index | 77 | 93 | 92 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
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% Products with one or more insurances | |
% Products with compulsory deposits |
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