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

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 Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.emprender-bo.org/
Year established1999
Head of InstitutionRAMIRO QUISPE CHIPANA
Regions active
# Branches13

Total Portfolio (nat'l)BOB 23,898,315
Total Portfolio (USD)USD 3,540,491.11
Active clients with loans9,163
Approximate % female clients60% - 80%
Approximate % urban clients80% - 100%
Network affiliations
Funders

Loan Products » Summary

Emprendi
5,755 Borrowers
USD 1,504,454.87 Portfolio
Active Product
Individual
1,869 Borrowers
USD 712,176.30 Portfolio
Active Product
1,084 Borrowers
USD 164,141.78 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Bancos de Emprendimiento Bolivianos BOB 400 - 5,000 4 - 10 80% - 100% 60% - 80% Any Purpose Women, Men, Mujeres deben ser alrededor de un 80% Group Mtgs, Credit Ins, Business Training, Other Training, Salud, Liderazgo
Crédito Individual en Bolivianos BOB 500 - 20,000 2 - 36 60% - 80% 80% - 100% Business, Consumer, Negocio: Solo para Capital de Trabajo Women, Men, Have business Credit Ins, Tech Asst Visits, Business Training
BOB 200 - 10,000 2 - 36 60% - 80% 80% - 100% Business, Consumer, Negocio: Solo para Capital de Trabajo Women, Men, Have business Credit Ins, Tech Asst Visits, Business Training, SERVICIO DE SALUD EN ATENCIÓN PRIMARIA Y MEDICINA PREVENTIVA

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Bancos de Emprendimiento Bolivianos 33.6%-36.0% annual, Decl Bal 2 Fees 0 Ins None 20.00% ongoing 57.9% - 62% 65.6% - 70.4% 49
Crédito Individual en Bolivianos 24.0%-36.0% annual, Decl Bal 2 Fees 0 Ins None N/A 55.2% - 58.9% 55.2% - 58.9% 41
24.0%-36.0% annual, Decl Bal 2 Fees 0 Ins 15.00% Principal N/A 38.8% - 59.5% 38.9% - 60.3% 49
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  2. Silver Upholders
Please note that the information you are viewing is 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Silver Upholders Ltd KogomaMaganjo off Bombo RoadKampala, CentralPO Box 10454
Data approved: 2012-07-06
Data version: 2
Age of data: 144 months
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Product

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Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 117,905,900
Portfolio (USD)USD 47,162
Active Clients with Loans442
Approximate % Female Clients80% - 100%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
It is a group loan product that requires purchase of redeemable preference shares, they act as a security, interest earned on shares not borrowed on.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Men
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 ActiveCentral

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 700,000
Maximum loan size2,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00050%
UGX 1,000,000-5,000,00050%
UGX 5,000,000-7,500,0000
UGX 7,500,000-10,000,0000
UGX 10,000,000-13,000,0000
Greater than UGX 13,000,0000
Loan Term and Grace Period
Shortest loan term10.0 months
Longest loan term10.0 months
Approx average10.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest4.00%
Highest quoted nominal interest4.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Appraisal Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationn/a
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount depositedUGX 90,000
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid1.00%
Maximum interest rate paid3.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Full Pricing Data

Share Scheme samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUGX 800,000UGX 980,000UGX 1,340,000UGX 1,340,000
Loan Cycle (1, 2, 3, etc)4455
Disbursement Date2011-12-072012-05-122012-05-052012-04-02
Loan Term (Months)10.0 months9.0 months9.0 months10.0 months
Grace Period (Months)0.2 months0.2 months0.2 months0.5 months
Total Cost of CreditUGX 328,000UGX 401,800UGX 549,400UGX 549,400
True Price by Comp       
Interest price component85.1%90.8%90.8%86.1%
Fee Component2.7%2.9%2.9%2.7%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component18.3%15.8%11.1%10.2%
Full APR (int fee ins tax dep)106.1%109.5%104.8%99.0%
Transparency Index45444648
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
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# Countries
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Loan Portfolio (USD)
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% Products with one or more insurances
% Products with compulsory deposits
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