2. CRECER
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. Kraban Support
Please note that the information you are viewing is 157 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Crédito con Educación Rural Calle Demetrio Canelas Nro. 27 entre calles 16 y 17 de Obrajes, MurilloLa Paz, Bolivia13748
Data approved: 2013-08-15
Data version: 3
Age of data: 130 months
Choose version

Institution

Kraban Support Foundation Dome-AccraGreater AccraPO Box KD 83, Kanda
Data approved: 2011-12-07
Data version: 1
Age of data: 157 months

Product

Credito Individual - BOB Product 3 of 13 « Prev | Next »

Product

Higher Heights Loan Product 4 of 5 « Prev | Next »

Product Summary

Number borrowers18,879
Loan Amount (range)BOB 700 - 70,000
Loan Term (range)3.03 - 87.8
Other Services (text summary)Credit Educ, Credit Ins, Business Training, Other Training, Capacitación en temas de salud
Annual Interest & Method12.0%-24.0% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component16.3% - 36.0%
Fee Component0
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)17.4% - 23.7%
Transparency Index (min/max)51 - 101
Transparency Index (average)62

Product Summary

188
GHS 1,000 - 2,052
4 - 12
Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Training on access to green energy in their agro-processsing activities
30.00% annual, Decl Bal
2.00% upfront
None
None
N/A
 
N/A
26.0% (Int+Fee)
0
0
26.0%
26 - 115
100

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 320,459,842
Portfolio (USD)USD 47,475,532.15
Active Clients with Loans18,879
Approximate % Female Clients80% - 100%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Para inversión y capital de operaciones, dirigido a clientes nuevos y a clientes con buen historial crediticio en Banca Comunal que tengan una actividad económica propia en el sector comercial, producción no agropecuaria y servicios.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visits
Business trainingx
Other trainingx
OtherCapacitación en temas de salud
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 institution9
# Regions for this product9
Regions ActiveBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 280,148
Portfolio (USD)USD 142,207.11
Active Clients with Loans188
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Otheraverage of about 50 members
Description
This loan is taken mainly by male farmers in rural areas. This loan is supported by MiDA.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherFarmers
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other training
OtherTraining on access to green energy in their agro-processsing activities
Other (2)
No other services
Eligibility
Menx
Women
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 700
Maximum loan size70,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,00030%
BOB 10,000-40,00060%
BOB 40,000-70,00010%
BOB 70,000-100,0000
BOB 100,000-125,0000
Greater than BOB 125,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term87.8 months
Approx average32.2 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months10%
Longer than 18 months90%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 monthsx
Every 12 months
Single end payment
Irregular paymentsx

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 1,000
Maximum loan size2,052
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term12.0 months
Approx average4.0 months
Grace Period
Grace period usage100%
Average grace period8.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeksx
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 interest12.00%
Highest quoted nominal interest24.00%
Reason(s) why interest rate variesLoan 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 termYes
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
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

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?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
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 Individual - BOB samples
Sample 1Sample 2Sample 3
Loan AmountBOB 9,000BOB 25,000BOB 35,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-12-062013-12-052014-04-01
Loan Term (Months)15.0 months24.0 months37.0 months
Grace Period (Months)0.0 months0.1 months0.0 months
Total Cost of CreditBOB 1,107.30BOB 4,555.95BOB 12,950
True Price by Comp     
Interest price component18.3%17.4%23.7%
Fee Component0.0%0.0%0.0%
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)18.3%17.4%23.7%
Transparency Index666951
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Higher Heights Loan samples
Sample 1Sample 2Sample 3
Loan AmountGHS 1,200GHS 1,600GHS 1,800
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2010-03-292010-03-292010-03-29
Loan Term (Months)10.0 months10.0 months10.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component26.0%26.0%26.0%
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)26.0%26.0%26.0%
Transparency Index100100100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Credito Individual - BOB Price Graphs


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Higher Heights 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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