Outstanding portfolio (USD) | USD 433,734 |
Portfolio (USD) | USD 433,734 |
Active Clients with Loans | 111 |
Approximate % Female Clients | 20% - 40% |
Approximate % Urban Clients | 0% - 20% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | |
Mortgage/housing | x |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | Buenos antecedentes personales y crediticios. Actividad económica y financieramente viable. |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Currency | USD |
Minimum loan size | USD 600 |
Maximum loan size | 12,000 |
Shortest loan term | 12.0 months |
Longest loan term | 60.0 months |
Approx average | 32.0 months |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 22.00% |
Highest quoted nominal interest | 30.00% |
Reason(s) why interest rate varies | Loan Size, Client Risk |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Seguro de Desgravamen |
% of loan amount - min | 5.00% |
% of loan amount - max | 5.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | |
Appears on Repayment Sched? | Yes |
Fee 1 | |
---|---|
Description | Seguro de Desgravamen |
% of loan amount - min | 5.00% |
% of loan amount - max | 5.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | Yes |
Percentage of fees | 0 |
All or some fees taxed | N/A |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | |||||
---|---|---|---|---|---|---|---|---|---|
Loan Amount | USD 1,000 | USD 2,000 | USD 3,500 | USD 8,000 | USD 12,000 | ||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
Disbursement Date | 2010-06-02 | 2010-02-16 | 2010-03-20 | 2010-02-15 | 2010-03-05 | ||||
Loan Term (Months) | 24.0 months | 24.0 months | 36.0 months | 36.0 months | 60.0 months | ||||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | ||||
Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
True Price by Comp | |||||||||
Interest and Fee Component | 32.2% | 31.4% | 30.5% | 27.0% | 24.9% | ||||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Tax Component | 0.2% | 0.2% | 0.1% | 0.1% | 0.1% | ||||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Full APR (int fee ins tax dep) | 32.3% | 31.6% | 30.6% | 27.2% | 25.0% | ||||
Transparency Index | 68 | 70 | 72 | 81 | 88 | ||||
Original Repayment Schedule | |||||||||
MFT Pricing Calculation |
Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
Banco Solidario | 79,700 | 221,716,000 | 1 | 168 |
CEPESIU | 2,000 | 939,000 | 4 | 168 |
COAC 4 Octubre | 2,200 | 5,771,000 | 2 | 168 |
COAC Ambato | 1,300 | 16,415,000 | 2 | 168 |
COAC FondVida | 2,500 | 4,200,000 | 4 | 168 |
COAC LaBenefica | 2,500 | 8,482,000 | 6 | 168 |
COAC MCCH | 5,300 | 10,020,000 | 2 | 168 |
COAC Nacional | 30,700 | 27,129,000 | 2 | 168 |
COAC San José | 10,400 | 29,133,000 | 5 | 168 |
COAC SanAntonio | 1,000 | 2,384,000 | 3 | 168 |
COAC SantaAnita | 2,000 | 2,532,000 | 6 | 168 |
Codesarrollo | 14,400 | 40,328,000 | 7 | 168 |
Coop San Miguel | 1,800 | 4,754,000 | 5 | 165 |
CooP VPR | 700 | 1,052,000 | 4 | 168 |
Cooprogreso | 7,900 | 32,244,000 | 4 | 168 |
Credi Fe | 100,900 | 380,039,000 | 4 | 168 |
D^Miro | 36,900 | 27,692,000 | 9 | 161 |
DECOF | 2,200 | 705,000 | 2 | 168 |
Espoir | 62,100 | 21,036,000 | 5 | 168 |
FODEMI | 28,200 | 12,924,000 | 3 | 168 |
Fundacion Alternativa | 4,300 | 5,545,000 | 2 | 168 |
FUNDAMIC | 2,000 | 1,468,000 | 2 | 168 |
INSOTEC | 7,000 | 6,047,000 | 4 | 168 |
Luz del Valle | 6,400 | 11,300,000 | 3 | 168 |
ProCredit | 43,800 | 211,941,000 | 2 | 168 |
PS Ambato | 5,600 | 2,771,000 | 1 | 168 |
Key Statistics | |
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# 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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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