2. EMPRENDER
Please note that the information you are viewing is 171 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Codesarrollo
Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

EMPRENDER c. Presbítero Medina. Pje. Tal Tal Nº 570. SopocachiLa Paz, La Paz
Data approved: 2010-10-28
Data version: 1
Age of data: 171 months

Institution

Codesarrollo Ladron de Guevara E13-408 Y BarcelonaQuito, Pichincha
Data approved: 2010-11-11
Data version: 1
Age of data: 170 months

Product

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Product

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Product Summary

Number borrowers1,869
Loan Amount (range)BOB 500 - 20,000
Loan Term (range)2 - 36
Other Services (text summary)Credit Ins, Tech Asst Visits, Business Training
Annual Interest & Method24.0%-36.0% annual, Decl Bal
Feesongoing ongoing
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component55.2% - 58.9% (Int+Fee)
Insurance Component0
Tax Component Range0 - 0.8%
Full APR (int fee ins tax dep)55.2% - 58.9%
Transparency Index (min/max)0 - N/A
Transparency Index (average)41

Product Summary

117
USD 1,000 - 15,000
15 - 62
Credit Ins, Seguro de Desgravamen
12.0%-13.0% annual, Decl Bal
None
None
None
N/A
 
N/A
12.0% (Int+Fee)
0
0
12.0%
0 - N/A
100

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 4,807,190
Portfolio (USD)USD 712,176.30
Active Clients with Loans1,869
Approximate % Female Clients60% - 80%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
ES UN PRODUCTO DESTINADO A CLIENTES NUEVOS Y/O ANTIGàœOS QUE CUENTAN CON NEGOCIOS DESARROLLADOS Y CON UNA MEJOR CONDICIÓN ECONÓMICA, SON CLIENTES QUE CUENTAN CON BUEN HISTORIAL CREDITICIO Y QUE DEMUESTRAN TENER BUENA CAPACIDAD DE PAGO Y CRECIMIENTO.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loanx
Agriculture
Education
Other household finance
OtherNegocio: Solo para Capital de Trabajo
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visitsx
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 institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (USD)USD 709,627
Portfolio (USD)USD 709,627
Active Clients with Loans117
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Orientado a organizaciones campesinas y/o miembros de organizaciones campesinas para financiar la compra, o legalización o la titularización de la tierra que va a ser destinada a la producción agrícola, pecuaria
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherCompra, o legalización, o la titularización de la
Other (2)tierra destinada a la prducción agrícola, pecuaria
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
OtherSeguro de Desgravamen
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
OtherOrientado a organizaciones campesinas y/o miembros de organizaciones campesinas
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 500
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term2.0 months
Longest loan term36.0 months
Approx average5.8 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeksx
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular paymentsx

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 1,000
Maximum loan size15,000
Loan Term and Grace Period
Shortest loan term15.0 months
Longest loan term62.0 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
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Collateral
Interest rate periodMonthly
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 1Fee 2
DescriptionCargos administrativos y FormulariosCargos administrativos por trámite desembolso
% of loan amount - min00
% of loan amount - max1.20%2.50%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
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 interest12.00%
Highest quoted nominal interest13.00%
Reason(s) why interest rate variesPor la fuente de pago
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

Full Pricing Data

Crédito Individual en Bolivianos samples
Sample 1Sample 2Sample 3
Loan AmountBOB 3,000BOB 7,000BOB 14,000
Loan Cycle (1, 2, 3, etc)133
Disbursement Date2010-05-282010-06-242010-06-19
Loan Term (Months)6.0 months6.5 months12.0 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 Component58.3%58.9%55.2%
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)58.3%58.9%55.2%
Transparency Index414143
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Creditierras samples
Sample 1Sample 2Sample 3
Loan AmountUSD 1,000USD 7,500USD 12,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2010-06-172010-06-252010-07-09
Loan Term (Months)15.0 months60.0 months60.0 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 Component12.0%12.0%12.0%
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)12.0%12.0%12.0%
Transparency Index100100100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
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Key Statistics
# Samples:
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# 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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