2. CIDRE
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. ABT
Please note that the information you are viewing is 124 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: 132 months
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Institution

Access Bank Tanzania Limited Derm HouseNew Bagamoyo RoadDar es SalaamPO Box 95068
Data approved: 2014-09-03
Data version: 3
Age of data: 124 months
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Product

Credito Hipotecaria (BOB) Product 3 of 8 « Prev | Next »

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Product Summary

Number borrowers987
Loan Amount (range)BOB 3,500 - 843,200
Loan Term (range)12 - 96
Other Services (text summary)Credit Ins
Annual Interest & Method17.0%-25.0% annual, Decl Bal
FeesNone
Insurance0.60%-4.80% 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)18.8% - 23.0%
Transparency Index (min/max)59 - 97
Transparency Index (average)81

Product Summary

1,115
TZS 100,000 - 25,000,000
3 - 18
Credit Educ, Tech Asst Visits
42.0%-54.0% annual, Decl Bal
2.00% upfront
None
None
N/A
 
50.0% - 64.3%
0 - 4.8%
0
0
54.0% - 56.4%
65 - 79
74

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 28,991,985
Portfolio (USD)USD 4,295,108.89
Active Clients with Loans987
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
El financiamiento para este tipo de crédito es destinado a la compra, construcción, refacción o ampliación de vivienda, que se constituye en garantía; desde US$ 1.000 y hasta el 1% del patrimonio neto del CIDRE.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
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 (TZS)TZS 1,391,194,065
Portfolio (USD)USD 874,964.82
Active Clients with Loans1,115
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Product tailored specifically for agricultural producers, in particular crop growers.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visitsx
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 institution4
# Regions for this product3
Regions ActiveMwanza, Shinyanga, Tabora

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 3,500
Maximum loan size843,200
Distribution at Disbursement (Est.)
Loans less than BOB 10,00015%
BOB 10,000-40,00020%
BOB 40,000-70,00020%
BOB 70,000-100,00015%
BOB 100,000-125,00015%
Greater than BOB 125,00015%
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term96.0 months
Approx average48.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months10%
Between 13 and 18 months30%
Longer than 18 months60%
Grace Period
Grace period usage10%
Average grace periodDK
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

Loan Conditions

Loan Amount
CurrencyTZS
Minimum loan sizeTZS 100,000
Maximum loan size25,000,000
Distribution at Disbursement (Est.)
Loans less than TZS 350,0005%
TZS 350,000-1,250,00020%
TZS 1,250,000-2,000,00020%
TZS 2,000,000-3,000,00020%
TZS 3,000,000-4,000,00015%
Greater than TZS 4,000,00015%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term18.0 months
Approx average10.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months20%
Between 10 and 12 months70%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage70%
Average grace period3.0 months
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 paymentsx

Pricing Information

Interest
Lowest quoted nominal interest17.00%
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 - max4.80%
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 interest3.50%
Highest quoted nominal interest4.50%
Reason(s) why interest rate variesTime as Client, Loan Size
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionDisbursement fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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 Hipotecaria (BOB) samples
Sample 1Sample 2Sample 3
Loan AmountBOB 28,000BOB 42,000BOB 83,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-06-292013-05-042013-06-15
Loan Term (Months)24.0 months37.0 months61.0 months
Grace Period (Months)-0.3 months0.0 months0.0 months
Total Cost of CreditBOB 6,531.44BOB 12,237.34BOB 44,985.57
True Price by Comp     
Interest price component22.4%18.2%20.7%
Fee Component0.0%0.0%0.0%
Insurance Component0.6%0.6%0.6%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)23.0%18.8%21.3%
Transparency Index749180
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Agroloan samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
TZS 750,000 Generated 2014-11-01 7.9 months N/A TZS 200,603.19 56.4% 51.6% 4.8% 0.0% 0.0% 0.0% 74 - PDF
TZS 1,500,000 Generated 2014-11-01 7.9 months N/A TZS 401,206.38 56.4% 51.6% 4.8% 0.0% 0.0% 0.0% 74 - PDF
TZS 2,500,000 Generated 2014-09-01 12.2 months 0.0 months TZS 790,691.23 54.0% 50.0% 4.0% 0.0% 0.0% 0.0% 78 - PDF
TZS 2,500,000 Generated 2014-11-01 7.9 months N/A TZS 668,677.30 56.4% 51.6% 4.8% 0.0% 0.0% 0.0% 74 - PDF
TZS 3,500,000 Generated 2014-11-01 7.9 months N/A TZS 936,148.22 56.4% 51.6% 4.8% 0.0% 0.0% 0.0% 74 - PDF
TZS 4,500,000 Generated 2014-11-01 7.9 months N/A TZS 1,203,619.15 56.4% 51.6% 4.8% 0.0% 0.0% 0.0% 74 - PDF
Credito Hipotecaria (BOB) Price Graphs


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Agroloan 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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