2. CIDRE
Please note that the information you are viewing is 130 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. ProCredit
Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

CIDRE Calle Juan de la Cruz Torrez N° 1674, CercadoCochabamba, Bolivia28034
Data approved: 2013-08-02
Data version: 2
Age of data: 130 months
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Institution

Banco ProCredit SA Atahualpa y Amazonas esquinaQuito, Pichincha
Data approved: 2011-11-01
Data version: 1
Age of data: 170 months

Product

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Product

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Product Summary

Number borrowers293
Loan Amount (range)BOB 2,000 - 362,000
Loan Term (range)12 - 60
Other Services (text summary)Credit Ins
Annual Interest & Method16.0%-27.0% annual, Decl Bal
FeesNone
Insurance0.60%-3.00% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component16.1% - 26.7%
Fee Component0 - 1.0%
Insurance Component0 - 1.1%
Tax Component Range0 - 0.2%
Full APR (int fee ins tax dep)17.1% - 27.3%
Transparency Index (min/max)59 - 97
Transparency Index (average)71

Product Summary

34,541
USD 2,000 - 20,000
1 - 48
Credit Ins
22.6%-26.5% annual, Decl Bal
None
0.68%-1.18% ongoing
None
N/A
 
0
N/A

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 6,231,087
Portfolio (USD)USD 923,124
Active Clients with Loans293
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Destinado a satisfacer necesidades de personas naturales y asalariadas, tales como la compra de bienes de consumo, pago de servicios, viajes, estudios, emergencias, anticréticos, remodelaciones, refacciones y otros; desde US$ 200 hasta US$ 10.000.
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 training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
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 institution7
# Regions for this product7
Regions ActiveChuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (USD)USD 167,541,293
Portfolio (USD)USD 167,541,293
Active Clients with Loans34,541
Approximate % Female Clients20% - 40%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Créditos desde USD 2,000 para cubrir sus necesidades empresariales y personales
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 training
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
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution12
# Regions for this product11
Regions ActiveAzuay, Cañar, Chimborazo, Cotopaxi, El Oro, Guayas, Loja, Manabí, PichinchaSanto Domingo de los Tsáchilas, Tungurahua

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 2,000
Maximum loan size362,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,00030%
BOB 10,000-40,00030%
BOB 40,000-70,00015%
BOB 70,000-100,00010%
BOB 100,000-125,0005%
Greater than BOB 125,0005%
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term60.0 months
Approx average36.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months20%
Between 13 and 18 months30%
Longer than 18 months50%
Grace Period
Grace period usage10%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 monthsx
Single end paymentx
Irregular paymentsx

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 2,000
Maximum loan size20,000
Distribution at Disbursement (Est.)
Loans less than USD 1,5000
USD 1,500-5,00060%
USD 5,000-10,00020%
USD 10,000-15,00010%
USD 15,000-18,0005%
Greater than USD 18,0005%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term48.0 months
Approx average28.9 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months5%
Between 10 and 12 months5%
Between 13 and 18 months20%
Longer than 18 months70%
Grace Period
Grace period usage0
Average grace period0
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

Pricing Information

Interest
Lowest quoted nominal interest16.00%
Highest quoted nominal interest27.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
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
Ins 1
DescriptionSeguro de Desgravamen
% of loan amount - min0.60%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationEl costo es de 0.05% mensual, con cargo sólo en el saldo de capital pendiente del préstamo.
Appears on Repayment Sched?Yes
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

Pricing Information

Interest
Lowest quoted nominal interest22.60%
Highest quoted nominal interest26.54%
Reason(s) why interest rate variesLoan Size, la tasa es reajustable solo para montos mayores a USD 10,000, para montos menores la tasa es fija.
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
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
Ins 1
DescriptionSeguro de desgravamens para deudor y codeudor
% of loan amount - min0.68%
% of loan amount - max1.18%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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 de inetrés es fija siempre y cuando el riesgo del cliente no supere los USD 1, al momento del desembolso

Full Pricing Data

Credito de Consumo (BOB) samples
Sample 1Sample 2Sample 3
Loan AmountBOB 5,000BOB 14,000BOB 30,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-08-282013-07-082014-04-01
Loan Term (Months)12.0 months18.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditBOB 466.92BOB 2,992.97BOB 8,625.48
True Price by Comp     
Interest price component16.1%25.7%26.7%
Fee Component1.0%0.0%0.0%
Insurance Component0.0%1.1%0.6%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)17.1%26.8%27.3%
Transparency Index946059
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Crédito para microempresa samples
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Credito de Consumo (BOB) 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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