Institution

COOPERATIVA DE AHORRO Y CREDITO FATIMA LTDA. CALLE OBISPO PEÑA No 63Santa Cruz, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: 173 months

Institution

ProCredit Savings & Loans Company Ltd. NewtownAccraPO Box NT 328
Data approved: 2013-02-14
Data version: 2
Age of data: 141 months

Product

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Product

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Product Summary

Number borrowers141
Loan Amount (range)BOB 70,000 - 70,000
Loan Term (range)60
Other Services (text summary)Credit Educ, Credit Ins, Tech Asst Visits
Annual Interest & Method16.0% annual, Decl Bal
Fees6.00% ongoing
InsuranceNone
Tax24.00 fixed
Comp Dep50.00 upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component16.9% (Int+Fee)
Insurance Component0 - 0.8%
Tax Component Range0.3% - 6.6%
Full APR (int fee ins tax dep)17.6%
Transparency Index (min/max)58 - 92
Transparency Index (average)91

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 2,939,005
Portfolio (USD)USD 435,408.15
Active Clients with Loans141
Approximate % Female Clients0% - 20%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
CREDITO DE LIBRE DISPONIBILIDAD CON GARANTIA PERSONAL Y PATRIMONIO SUSTENTADO
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
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 workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

This institution provided data on this product on 2011-12-07 and the product was no longer active when they submitted data on 2013-02-14.

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 70,000
Maximum loan size70,000
Loan Term and Grace Period
Shortest loan term60.0 months
Longest loan term60.0 months
Approx average0
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 interest16.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionSeguro de Vida
% of loan amount - min6.00%
% of loan amount - max6.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount depositedBOB 50 - N/A
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0 - BOB 50
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid1.00%
Maximum interest rate paid1.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A
Additional Comments
Impuesto esta en vias de eliminacion

Full Pricing Data

Crédito Oro (Bs) samples
Sample 1Sample 2
Loan AmountBOB 70,000BOB 70,000
Loan Cycle (1, 2, 3, etc)Not KnownNot Known
Disbursement Date2010-08-122010-09-20
Loan Term (Months)60.0 months60.0 months
Grace Period (Months)0.0 months0.0 months
Total Cost of CreditNot KnownNot Known
True Price by Comp   
Interest and Fee Component16.9%16.9%
Insurance Component0.0%0.0%
Tax Component0.6%0.6%
Deposit Component0.0%0.0%
Full APR (int fee ins tax dep)17.6%17.6%
Transparency Index9191
    
Original Repayment SchedulePDFPDF
MFT Pricing CalculationPDFPDF
Crédito Oro (Bs) 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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