2. FUNBODEM
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  2. CooP VPR
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 Crédito Padre Vicente Ponce 10 de Agosto y Olmedo, Edif. Episcopal 3er. PisoTulcán, Carchi
Data approved: 2011-10-11
Data version: 1
Age of data: 170 months

Product

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Product Summary

Number borrowers558
Loan Amount (range)USD 50 - 1,000
Loan Term (range)3 - 18
Other Services (text summary)Credit Ins
Annual Interest & Method32.0%-36.0% annual, Decl Bal
FeesNone
Insurance0.18%-1.08% 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)32.6% - 36.6%
Transparency Index (min/max)52 - 95
Transparency Index (average)87

Product Summary

67
USD 100 - 3,030
6 - 30
N/A
15.2% annual, Decl Bal
None
5.32% ongoing
None
N/A
 
N/A
15.7% - 16.2% (Int+Fee)
1.0% - 1.1%
0
16.7% - 17.2%
0 - N/A
89

Product Details

Key Statistics
Outstanding portfolio (USD)USD 301,219.66
Portfolio (USD)USD 301,219.66
Active Clients with Loans558
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Para los clientes de negocios en el sector comercio, servicio y producción los cuales deben presentar minimo 8 meses en la institución para acceder a este credito. Este permite realiza inversiones de oportunidad en el negocio o en otros negocios.
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 institution2
# Regions for this product2
Regions ActiveBeni , Santa Cruz

Product Details

Key Statistics
Outstanding portfolio (USD)USD 89,381
Portfolio (USD)USD 89,381
Active Clients with Loans67
Approximate % Female Clients80% - 100%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Para ayudarle a aliviar los gastos de educación: matrículas, uniformes, àºtiles escolares, computadoras, etc. Permitiéndole tener efectivo para no descuidar la mejora inversión que podemos realizar, LA EDUCACIÓN.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loanx
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
OtherN/A
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried workerx
Must be specific age group
OtherEstudiantes con relación de dependencia.
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveCarchi

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 50
Maximum loan size1,000
Distribution at Disbursement (Est.)
Loans less than USD 1,500100%
USD 1,500-5,0000
USD 5,000-10,0000
USD 10,000-15,0000
USD 15,000-18,0000
Greater than USD 18,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term18.0 months
Approx average15.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months20%
Between 13 and 18 months70%
Longer than 18 months0
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 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size3,030
Distribution at Disbursement (Est.)
Loans less than USD 1,50030%
USD 1,500-5,00070%
USD 5,000-10,0000
USD 10,000-15,0000
USD 15,000-18,0000
Greater than USD 18,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term30.0 months
Approx average20.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months10%
Between 10 and 12 months20%
Between 13 and 18 months30%
Longer than 18 months40%
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 interest32.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesTime as Client, Loan 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
DescriptionPago del seguro del desgravamen
% of loan amount - min0.18%
% of loan amount - max1.08%
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 interest15.19%
Highest quoted nominal interest15.19%
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
DescriptionSeguro de desgravamen para el saldo del prestamo
% of loan amount - min5.32%
% of loan amount - max5.32%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
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

Oportuno samples
Sample 1Sample 2Sample 3
Loan AmountUSD 300USD 1,000USD 500
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-12-272013-10-012013-10-01
Loan Term (Months)7.0 months15.0 months11.0 months
Grace Period (Months)0.5 months0.0 months0.5 months
Total Cost of CreditUSD 33.41USD 243.67USD 97.60
True Price by Comp     
Interest price component32.0%33.0%35.9%
Fee Component0.0%0.0%0.0%
Insurance Component0.6%0.7%0.7%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)32.6%33.7%36.6%
Transparency Index809587
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Crédito EDàšCATE samples
Sample 1Sample 2Sample 3
Loan AmountUSD 404USD 1,010USD 2,020
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-04-182011-04-292011-05-19
Loan Term (Months)12.0 months12.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component16.2%16.2%15.7%
Insurance Component1.1%1.1%1.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)17.2%17.2%16.7%
Transparency Index888891
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Oportuno Price Graphs


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Crédito EDàšCATE 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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