2. FUNBODEM
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
  2. COAC Ambato
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

Fundacion Boliviana Para El Desarrollo De La Mujer Calle Rene Moreno # 476Santa Cruz
Data approved: 2013-10-10
Data version: 2
Age of data: 130 months
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Institution

Cooperativa de Ahorro y Credito Ambato Ltda Lalama 08-51 y Juan B VelaAmbato, Tungurahua
Data approved: 2010-11-08
Data version: 1
Age of data: 170 months

Product

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Product

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Product Summary

Number borrowers5,711
Loan Amount (range)USD 50 - 15,000
Loan Term (range)6 - 48
Other Services (text summary)Credit Ins
Annual Interest & Method20.0%-36.0% annual, Decl Bal
FeesNone
Insurance0.36%-2.88% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component19.1% - 36.0%
Fee Component0
Insurance Component0.6% - 0.9%
Tax Component Range0
Full APR (int fee ins tax dep)20.8% - 36.6%
Transparency Index (min/max)52 - 95
Transparency Index (average)69

Product Summary

760
USD 400 - 50,000
4 - 30
Credit Educ
18.0% annual, Decl Bal
None
None
None
10.0% upfront
 
N/A
15.4% - 23.1% (Int+Fee)
0
0
18.2% - 27.1%
66 - 99
77

Product Details

Key Statistics
Outstanding portfolio (USD)USD 8,694,847
Portfolio (USD)USD 8,694,847
Active Clients with Loans5,711
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Este producto de credito esta destinado a personas que cuentan con ingresos provenientes de actividades económicas como ser comercio, servicio y producción. Este producto esta dedicado al fomento de inversión y capital de trabajo.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
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 institution2
# Regions for this product2
Regions ActiveBeni , Santa Cruz

Product Details

Key Statistics
Outstanding portfolio (USD)USD 14,598,939
Portfolio (USD)USD 14,598,939
Active Clients with Loans760
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Este credito va en beneficio de los agricultores del sector rural y apoyo para sostenebilidad familiar.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
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
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
CurrencyUSD
Minimum loan sizeUSD 50
Maximum loan size15,000
Distribution at Disbursement (Est.)
Loans less than USD 1,50040%
USD 1,500-5,00030%
USD 5,000-10,00020%
USD 10,000-15,00010%
USD 15,000-18,0000
Greater than USD 18,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term48.0 months
Approx average24.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months10%
Between 13 and 18 months30%
Longer than 18 months60%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 monthsx
Every 12 monthsx
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 400
Maximum loan size50,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term30.0 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 interest20.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesLoan Size, Client Risk, Collateral, Loan Purpose
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
Ins 1
DescriptionPor seguro de desgravamen
% of loan amount - min0.36%
% of loan amount - max2.88%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationSe aplica 0.06% en cada cuota cargado en el saldo pendiente del 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

Pricing Information

Interest
Lowest quoted nominal interest18.00%
Highest quoted nominal interest18.00%
Interest rate periodYearly
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
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 forSome
CriteriaLos ahorros de plazo fijo que al cliente le damos un interes y tambien en sus ahorros mantenidos en su cuenta el interes se deposita mensual.
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid3.00%
Maximum interest rate paid6.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Independiente samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 800USD 1,000USD 1,500USD 5,200USD 10,000USD 400
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-12-272013-12-272013-12-272013-12-272013-12-272013-10-01
Loan Term (Months)19.0 months19.0 months19.0 months31.0 months37.0 months11.0 months
Grace Period (Months)0.5 months0.5 months0.5 months0.5 months0.5 months0.5 months
Total Cost of CreditUSD 206.58USD 262.95USD 365.14USD 1,759.83USD 3,689.88USD 78.09
True Price by Comp           
Interest price component28.0%28.0%26.1%22.1%20.1%35.9%
Fee Component0.0%0.0%0.0%0.0%0.0%0.0%
Insurance Component0.7%0.7%0.6%0.7%0.7%0.7%
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)28.7%28.7%26.7%22.8%20.8%36.6%
Transparency Index636367798755
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Microcredito samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 400USD 800USD 2,020USD 3,636USD 8,080USD 13,332
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-08-052010-08-032010-08-162010-08-042010-08-312010-08-27
Loan Term (Months)6.0 months12.0 months15.0 months24.0 months30.0 months30.0 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 Component23.1%22.3%15.4%20.3%20.3%18.2%
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 Component4.0%4.2%2.8%3.8%3.9%3.4%
Full APR (int fee ins tax dep)27.1%26.4%18.2%24.1%24.1%21.7%
Transparency Index666899757583
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Independiente Price Graphs


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Microcredito Price Graphs


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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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