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 (TZS) | TZS 58,039,974,967 |
Portfolio (USD) | USD 36,503,128.91 |
Active Clients with Loans | 24,331 |
Approximate % Female Clients | 20% - 40% |
Approximate % Urban Clients | 80% - 100% |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | |
Workplace visits | x |
Business training | x |
Other training | |
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 | operating business atleast for six months |
Other (2) |
# Regions for this institution | 4 |
# Regions for this product | 4 |
Regions Active | Dar es Salaam, Mwanza, Shinyanga, Tabora |
Currency | TZS |
Minimum loan size | TZS 100,000 |
Maximum loan size | 25,000,000 |
Loans less than TZS 350,000 | 0 |
TZS 350,000-1,250,000 | 5% |
TZS 1,250,000-2,000,000 | 10% |
TZS 2,000,000-3,000,000 | 15% |
TZS 3,000,000-4,000,000 | 10% |
Greater than TZS 4,000,000 | 10% |
Shortest loan term | 3.0 months |
Longest loan term | 24.0 months |
Approx average | 0 |
Loans 3 months or less | 0 |
Between 4 and 6 months | 5% |
Between 7 and 9 months | 50% |
Between 10 and 12 months | 40% |
Between 13 and 18 months | 5% |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
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 |
Lowest quoted nominal interest | 3.50% |
Highest quoted nominal interest | 5.50% |
Reason(s) why interest rate varies | Time as Client, Loan Size |
Interest rate period | Monthly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | 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 |
Type of Sample |
Grace Period (Months) |
Full APR (int fee ins tax dep) |
True Price by Component |
|||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Interest price component |
Fee Component |
Insurance Component |
Tax Component |
Deposit Component |
||||||||||
TZS 4,500,000 | Real | 2014-03-29 | 12.5 months | N/A | TZS 1,659,510.96 | 58.5% | 58.5% | 0.0% | 0.0% | 0.0% | 0.0% | 72 | ||
TZS 4,500,000 | Generated | 2014-11-01 | 12.0 months | N/A | TZS 1,586,205.86 | 58.6% | 58.6% | 0.0% | 0.0% | 0.0% | 0.0% | 72 | - | |
TZS 9,000,000 | Real | 2014-02-18 | 12.2 months | N/A | TZS 2,830,910 | 52.9% | 52.9% | 0.0% | 0.0% | 0.0% | 0.0% | 79 | ||
TZS 9,000,000 | Generated | 2014-11-01 | 12.0 months | N/A | TZS 2,832,774.48 | 52.9% | 52.9% | 0.0% | 0.0% | 0.0% | 0.0% | 79 | - | |
TZS 6,000,000 | Generated | 2014-11-01 | 9.0 months | N/A | TZS 1,588,116.97 | 58.6% | 58.6% | 0.0% | 0.0% | 0.0% | 0.0% | 72 | - | |
TZS 12,000,000 | Generated | 2014-11-01 | 9.0 months | N/A | TZS 3,176,233.95 | 58.6% | 58.6% | 0.0% | 0.0% | 0.0% | 0.0% | 72 | - | |
TZS 18,500,000 | Generated | 2014-09-01 | 12.2 months | 0.0 months | TZS 7,233,293.48 | 64.3% | 64.3% | 0.0% | 0.0% | 0.0% | 0.0% | 65 | - | |
TZS 18,500,000 | Generated | 2014-11-01 | 9.0 months | N/A | TZS 4,896,694 | 58.6% | 58.6% | 0.0% | 0.0% | 0.0% | 0.0% | 72 | - | |
TZS 21,500,000 | Generated | 2014-11-01 | 12.0 months | N/A | TZS 7,578,539.11 | 58.6% | 58.6% | 0.0% | 0.0% | 0.0% | 0.0% | 72 | - | |
TZS 25,000,000 | Generated | 2014-11-01 | 12.0 months | N/A | TZS 8,812,254.78 | 58.6% | 58.6% | 0.0% | 0.0% | 0.0% | 0.0% | 72 | - |
Key Statistics | |
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# 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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
---|---|---|---|---|---|---|---|