2. CIDRE
Please note that the information you are viewing is 134 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: 134 months
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Product

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Product Details

Key Statistics
Outstanding portfolio (USD)USD 3,169,914
Portfolio (USD)USD 3,169,914
Active Clients with Loans63
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

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 200
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than USD 1,50040%
USD 1,500-5,00030%
USD 5,000-10,00030%
USD 10,000-15,0000
USD 15,000-18,0000
Greater than USD 18,0000
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 monthsx
Every 12 monthsx
Single end paymentx
Irregular paymentsx

Pricing Information

Interest
Lowest quoted nominal interest16.00%
Highest quoted nominal interest25.00%
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

Full Pricing Data

Credito de Consumo (USD) samples
Sample 1
Loan AmountUSD 2,000
Loan Cycle (1, 2, 3, etc)Not Known
Disbursement Date2013-04-15
Loan Term (Months)24.0 months
Grace Period (Months)0
Total Cost of CreditUSD 527.54
True Price by Comp 
Interest price component24.7%
Fee Component0
Insurance Component0.6%
Tax Component0
Deposit Component0
Full APR (int fee ins tax dep)25.3%
Transparency Index63
  
Original Repayment SchedulePDF
MFT Pricing CalculationPDF
Credito de Consumo (USD) Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeAnyLoan PurposeCIDREInstitutionBO-006-V02-P02ProductBOCountry2013YearRange Number2Institution Data Version05001,0001,5002,000Loan Size (all)0%10%20%Full APR (int fee ins tax dep)> 630Number of Borrowers
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  2. Nano
Please note that the information you are viewing is 176 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Nano Financial Services India Private Limited H NO 6-3-1099/1/14 & 15,Flat No 301, Lake Melody ApartmentsNear Katriya Hotel,Raj Bhavan Road,Somajiguda,Hyderabad, Andhra Pradesh500082
Data approved: 2010-10-25
Data version: 1
Age of data: 176 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established2004
Head of InstitutionK. Ravikumar
Regions active
# Branches13

Total Portfolio (nat'l)INR 194,002,175
Total Portfolio (USD)USD 3,660,418.40
Active clients with loans28,501
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliations

Loan Products » Summary

AP -JLG
16,336 Borrowers
USD 3,162,175.57 Portfolio
Active Product
TN-JLG
9,295 Borrowers
USD 498,211.89 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
AP-JLGD21T12ME INR 9,000 - 15,000 12 80% - 100% 20% - 40% Any Purpose Women Credit Educ, Group Mtgs, Credit Ins
TN-JLGF12T12ME INR 6,000 - 12,000 12 80% - 100% 0% - 20% Any Purpose Women Credit Educ, Group Mtgs, Credit Ins

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
AP-JLGD21T12ME 0% 25.7% 26.6% N/A
TN-JLGF12T12ME 0% 25.7% 26.7% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
AP-JLGD21T12ME 21.0% annual, Decl Bal 0 Fees 1 Ins None N/A 25.7% 26.6% 79
TN-JLGF12T12ME 12.0% annual, Flat 0 Fees 1 Ins None N/A 25.7% 26.7% 45
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeAnyLoan PurposeNanoInstitutionIN-042-V01-P01IN-042-V01-P02ProductINCountry2010YearRange Number1Institution Data Version02,0004,0006,0008,000Loan Size (all)0%10%20%Full APR (int fee ins tax dep)> 8,1006,1004,0002,000200Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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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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