2. AgroCapital
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

Fundación Agrocapital Calle Nataniel Aguirre No. S-669Cochabamba, Cercado5901
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 borrowers529
Loan Amount (range)BOB 400 - 300,000
Loan Term (range)6 - 60
Other Services (text summary)Credit Ins
Annual Interest & Method11.0%-21.5% annual, Decl Bal
Fees5.00% upfront 5.00% ongoing
InsuranceNone
Tax15.00% Principal
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component18.4% - 23.3% (Int+Fee)
Insurance Component0 - 0.6%
Tax Component Range0 - 0.4%
Full APR (int fee ins tax dep)18.5% - 23.4%
Transparency Index (min/max)0 - N/A
Transparency Index (average)53

Product Summary

5,804
USD 400 - 20,000
6 - 50
Credit Ins, Seguro de Desgravamen
11.4%-17.0% annual, Decl Bal
None
None
None
N/A
 
N/A
17.0% (Int+Fee)
0
0
17.0%
0 - N/A
67

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 8,539,504.59
Portfolio (USD)USD 1,265,111.79
Active Clients with Loans529
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Producto destinado a promover el desarrollo de actividades del sector Agropecuario, Comercial y Servicios en áreas rurales y urbanas.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
OtherPara capital de Inversiones
Other (2)Para capital de Operaciones
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 institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (USD)USD 15,830,467
Portfolio (USD)USD 15,830,467
Active Clients with Loans5,804
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Están orientadas a financiar actividades de microempresas productivas, de comercio y de servicios en general
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
OtherSeguro de Desgravamen
Other (2)
No other servicesx
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

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 400
Maximum loan size300,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term60.0 months
Approx average52.0 months
Grace Period
Grace period usage10%
Average grace period12.0 months
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

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 400
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term50.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeksx
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest11.00%
Highest quoted nominal interest21.50%
Reason(s) why interest rate variesLoan Size, Client Risk
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionSeguro de Desgravamen
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
Fee 1
DescriptionSeguro de Desgravamen
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
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 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?Yes
Percentage of fees0
All or some fees taxedN/A
Additional Comments
Frecuencia de pago: Bianual

Pricing Information

Interest
Lowest quoted nominal interest11.44%
Highest quoted nominal interest17.00%
Reason(s) why interest rate variesLoan Purpose, Por 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

samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 1,000USD 5,000USD 8,820USD 12,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-07-052010-03-142010-07-052010-03-09
Loan Term (Months)22.0 months60.0 months26.0 months60.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component21.4%23.3%19.2%18.4%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.2%0.1%0.1%0.1%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)21.5%23.4%19.3%18.5%
Transparency Index51475760
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Credimicroempresarial samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 400USD 1,100USD 2,000USD 4,150USD 8,000USD 12,500
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-06-212010-07-082010-05-122010-06-142010-06-172010-06-30
Loan Term (Months)7.0 months15.0 months20.0 months24.0 months42.0 months48.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component17.0%17.0%17.0%17.0%17.0%17.0%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)17.0%17.0%17.0%17.0%17.0%17.0%
Transparency Index676767676767
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
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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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