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. East Mamprusi
Please note that the information you are viewing is 139 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

East Mamprusi Community Bank GambagaNorthern RegionP.O Box 11
Data approved: 2013-03-26
Data version: 2
Age of data: 139 months
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Product

Credito de Consumo (BOB) Product 1 of 8 « Prev | Next »

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

5,600
GHS 500 - 15,000
6 - 36
Credit Ins, Overdraft
30.00% annual, Decl Bal
3.00% upfront
None
None
N/A
 
42.4% - 67.0%
0 - 6.0%
0
0
46.7% - 48.4%
21 - 64
62

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 (GHS)GHS 2,103,292
Portfolio (USD)USD 1,067,660.91
Active Clients with Loans5,600
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Designed for salaried workers.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loanx
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
OtherOverdraft
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveNorthern Region

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
CurrencyGHS
Minimum loan sizeGHS 500
Maximum loan size15,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,00020%
GHS 1,000-5,00020%
GHS 5,000-7,50015%
GHS 7,500-10,00015%
GHS 10,000-13,00015%
Greater than GHS 13,00015%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term36.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months40%
Between 7 and 9 months40%
Between 10 and 12 months15%
Between 13 and 18 months5%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

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 interest30.00%
Highest quoted nominal interest30.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCommitment Fee
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
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 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

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

Salary Loan samples
Sample 1Sample 2Sample 3
Loan AmountGHS 600GHS 1,700GHS 3,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-03-052013-02-272013-03-20
Loan Term (Months)12.0 months18.0 months12.0 months
Grace Period (Months)0.0 months-0.1 months0.0 months
Total Cost of CreditGHS 168GHS 689GHS 840
True Price by Comp     
Interest price component42.4%42.4%42.4%
Fee Component6.0%4.3%6.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)48.4%46.7%48.4%
Transparency Index626462
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Credito de Consumo (BOB) Price Graphs


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Salary Loan 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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