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. Ahantaman RB
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
Choose version

Institution

Ahantaman Rural Bank Limited Head OfficeAgona Nkwanta, Western RegionP.O. Box 41
Data approved: 2013-02-11
Data version: 2
Age of data: 139 months
Choose version

Product

Credito Hipotecaria (USD) Product 4 of 8 « Prev | Next »

Product

Sundry (SME) Loan Product 3 of 4 « Prev | Next »

Product Summary

Number borrowers203
Loan Amount (range)USD 1,200 - 68,000
Loan Term (range)12 - 84
Other Services (text summary)Credit Ins
Annual Interest & Method17.0%-25.0% annual, Decl Bal
FeesNone
Insurance0.60%-4.20% 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)18.6% - 20.3%
Transparency Index (min/max)59 - 97
Transparency Index (average)87

Product Summary

1,867
GHS 5,000 - 25,000
3 - 12
Credit Ins, Business Training
35.00%-37.00% annual, Decl Bal
4.00% upfront
1.50% upfront
None
N/A
 
42.5% - 75.6%
4.5% - 11.1%
1.7% - 3.8%
0
69.6% - 69.7%
44 - 66
50

Product Details

Key Statistics
Outstanding portfolio (USD)USD 8,446,409
Portfolio (USD)USD 8,446,409
Active Clients with Loans203
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 (GHS)GHS 5,323,267.03
Portfolio (USD)USD 2,702,166.01
Active Clients with Loans1,867
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Designed for small and medium-size entrepenurs to finance businesses.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business trainingx
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 institution1
# Regions for this product1
Regions ActiveWestern Region

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 1,200
Maximum loan size68,000
Distribution at Disbursement (Est.)
Loans less than USD 1,50015%
USD 1,500-5,00020%
USD 5,000-10,00020%
USD 10,000-15,00015%
USD 15,000-18,00015%
Greater than USD 18,00015%
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term84.0 months
Approx average55.0 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 period3.0 months
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 payments

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 5,000
Maximum loan size25,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,0000
GHS 1,000-5,0000
GHS 5,000-7,50040%
GHS 7,500-10,00040%
GHS 10,000-13,00010%
Greater than GHS 13,00010%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months0
Between 10 and 12 months90%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace periodDK
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 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 - max4.20%
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 interest35.00%
Highest quoted nominal interest37.00%
Reason(s) why interest rate variesDuration of Loan
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min4.00%
% of loan amount - max4.00%
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
Ins 1
DescriptionInsurance Fee
% of loan amount - min1.50%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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 (USD) samples
Sample 1Sample 2
Loan AmountUSD 8,500USD 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot Known
Disbursement Date2013-04-152013-03-20
Loan Term (Months)73.0 months61.0 months
Grace Period (Months)0.0 months0.1 months
Total Cost of CreditUSD 5,259.59USD 4,999.78
True Price by Comp   
Interest price component19.7%18.1%
Fee Component0.0%0.0%
Insurance Component0.6%0.5%
Tax Component0.0%0.0%
Deposit Component0.0%0.0%
Full APR (int fee ins tax dep)20.3%18.6%
Transparency Index8491
    
Original Repayment SchedulePDFPDF
MFT Pricing CalculationPDFPDF

Full Pricing Data

Sundry (SME) Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountGHS 6,000GHS 10,000GHS 12,000GHS 8,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-10-262012-10-012012-12-312012-12-01
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditGHS 2,430GHS 4,050GHS 4,860GHS 3,240
True Price by Comp       
Interest price component58.0%58.0%58.0%58.1%
Fee Component8.3%8.3%8.3%8.3%
Insurance Component3.3%3.3%3.3%3.3%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)69.6%69.6%69.6%69.7%
Transparency Index50505050
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Credito Hipotecaria (USD) Price Graphs


Click to view Price Analysis Tool
Sundry (SME) Loan Price Graphs


Click to view Price Analysis Tool
Caps / Zoom options
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
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞