2. PRODEM
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

Institution

FFP Prodem S.A. Belisario Salinas # 520La Paz13963
Data approved: 2013-09-06
Data version: 2
Age of data: 130 months
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Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 194,376,135
Portfolio (USD)USD 28,796,464.44
Active Clients with Loans1,096
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Credito destinado para la compra de mercaderia. El mismo es de corto plazo a una cuota con garantia prendaria (mercarderia). El credito es otorgado en Bolivianos como en dolares.
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 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 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

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 24,000
Maximum loan size140,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,0000
BOB 10,000-40,0005%
BOB 40,000-70,00015%
BOB 70,000-100,00030%
BOB 100,000-125,00010%
Greater than BOB 125,00010%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term6.0 months
Approx average5.5 months
Distribution at Disbursement (Est.)
Loans 3 months or less10%
Between 4 and 6 months90%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest16.00%
Highest quoted nominal interest27.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk
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
Ins 1
DescriptionSeguro de desgravamen anticipado
% of loan amount - min0.07%
% of loan amount - max0.39%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFee is 0.065% multiplied by the number of months between the disbursement date and the first date of repayment.
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de desgravamen
% of loan amount - min0.07%
% of loan amount - max0.39%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFee is 0.065% per month, charged on the outstanding loan principal.
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

Full Pricing Data

Estacional samples
Sample 1Sample 2Sample 3
Loan AmountBOB 80,000BOB 80,000BOB 135,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-08-202013-07-192013-10-18
Loan Term (Months)5.9 months6.0 months5.9 months
Grace Period (Months)0.0 months5.0 months4.9 months
Total Cost of CreditBOB 5,529.67BOB 6,712BOB 11,874
True Price by Comp     
Interest price component17.4%15.6%16.6%
Fee Component0.0%0.0%0.0%
Insurance Component1.1%0.8%0.8%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)18.5%16.4%17.4%
Transparency Index869892
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Estacional Price Graphs


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  2. Coop San Miguel
Please note that the information you are viewing is 167 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

San Miguel de los Bancos AV. 17 DE JULIO Y JAIME ROLDOSSAN MIGUEL DE LOS BANCOSPichincha
Data approved: 2011-02-09
Data version: 1
Age of data: 167 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addresshttp://WWW.COACSANMIGUEL.FIN.EC/
Year established1995
Head of InstitutionSULEMA PIZARRO CANDO
Regions active
# Branches3

Total Portfolio (nat'l)USD 4,602,402.64
Total Portfolio (USD)USD 4,602,402.64
Active clients with loans1,953
Approximate % female clients20% - 40%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Loan Products » Summary

Consumo
749 Borrowers
USD 1,659,418.25 Portfolio
Active Product
Vivienda
53 Borrowers
USD 397,481.11 Portfolio
Active Product
Individual
621 Borrowers
USD 1,495,211.67 Portfolio
Active Product
Microcredit
359 Borrowers
USD 1,107,861.69 Portfolio
Active Product
Grupal
32 Borrowers
USD 94,986.44 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credito de Consumo USD 250 - 8,000 4 - 30 20% - 40% 40% - 60% Any Purpose Women, Men, Salaried worker Credit Ins
Credito de Vivienda USD 8,001 - 17,000 38 - 58 20% - 40% 60% - 80% Housing, Compra de terreno, casa, apartamentos, Construccion y mejora de casa Women, Men, Have business, Have home or land, Salaried worker Credit Ins
Micro Juanita Individual USD 250 - 17,000 4 - 56 40% - 60% 60% - 80% Business Women, Men, Have business, DEPENDE DEL MONTO PRESENTA COPIAS DE UN BIEN INMUEBLE. Credit Ins
Microcreditos USD 250 - 17,000 4 - 56 20% - 40% 60% - 80% Business Women, Men, Have business, DEPENDE DEL MONTO PRESENTA COPIAS DEL BIEN INMUEBLE. Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito de Consumo 15.2% annual, Decl Bal 0 Fees 1 Ins None 9.0% upfront 15.4% 18.7% - 19.2% 79
Credito de Vivienda 10.8% annual, Decl Bal 1 Fee 0 Ins None 9.0% upfront 10.9% 13.8% 78
Micro Juanita Individual 20.0%-26.9% annual, Decl Bal 0 Fees 1 Ins None N/A 20.3% 21% 95
Microcreditos 20.0%-26.9% annual, Decl Bal 0 Fees 1 Ins None N/A 22.3% - 27.3% 23.1% - 28% 80
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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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