2. IMPRO
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 Nacional
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

Incubadora de Microempresas Productivas Calle Manuel Ergueta Nº 1741, MorilloLa Paz, Bolivia
Data approved: 2013-09-10
Data version: 2
Age of data: 130 months
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Institution

Cooperativa de Ahorra y Credito Nacional Ltda Capità n Najera 4210 y la 14Guayaquil, Guayas
Data approved: 2010-11-08
Data version: 1
Age of data: 170 months

Product

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Product Summary

Number borrowers990
Loan Amount (range)BOB 300 - 21,000
Loan Term (range)4 - 24
Other Services (text summary)Credit Ins, Tech Asst Visits
Annual Interest & Method14.4%-21.6% annual, Decl Bal
Fees16.00-20.00 ongoing
Insurance0.12%-0.72% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component14.3% - 21.7%
Fee Component4.0% - 18.7%
Insurance Component0.5% - 0.7%
Tax Component Range0
Full APR (int fee ins tax dep)26.1% - 28.5%
Transparency Index (min/max)35 - 71
Transparency Index (average)53

Product Summary

25,354
USD 300 - 20,000
12 - 36
20.1%-21.0% annual, Decl Bal
None
None
None
33.3% upfront
 
N/A
20.3% - 21.3% (Int+Fee)
0 - 0.0%
0
22.8% - 23.9%
84 - 88
84

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 7,499,754.50
Portfolio (USD)USD 1,111,074.74
Active Clients with Loans990
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Incluye creditos productivos, de comercio, servicios básicos como agua, electricidad, sanitarios, etc.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Educationx
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visitsx
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 institution1
# Regions for this product1
Regions ActiveLa Paz

Product Details

Key Statistics
Outstanding portfolio (USD)USD 24,582,834.37
Portfolio (USD)USD 24,582,834.37
Active Clients with Loans25,354
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Es todo crédito no superior a $20.000 concedido a un prestatario con un nivel de ventas inferior a $ 100.000, destinado a financiar actividades en pequeña escala, de producción, comercialización o servicios.
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 insurance
Workplace visits
Business training
Other training
Other
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 300
Maximum loan size21,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,00080%
BOB 10,000-40,00020%
BOB 40,000-70,0000
BOB 70,000-100,0000
BOB 100,000-125,0000
Greater than BOB 125,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term24.0 months
Approx average15.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months30%
Between 13 and 18 months40%
Longer than 18 months10%
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 300
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term36.0 months
Approx average18.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Dailyx
Weeklyx
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest1.20%
Highest quoted nominal interest1.80%
Reason(s) why interest rate variesClient Risk, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionCobro por Formularios
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min16
Fixed amount - max20
Reason for variationFee varies based on loan amount.
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de Desgravamen
% of loan amount - min0.12%
% of loan amount - max0.72%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationInsurance fee is 0.03% per month, charged on the disbursed loan amount.
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 interest20.05%
Highest quoted nominal interest21.00%
Reason(s) why interest rate variesLoan Size, Regulación de Organos de Control
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited33.33%
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 paid0.50%
Maximum interest rate paid0.99%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
Nuestra Institucion tiene depositos en garantia y no encaje, es decir, como es un deposito en garantia del credito, los socios lo pueden utilizar desde la primera cuota del credito o en la cuota que ellos la requirieran o retirar su excedente en relacion al saldo adeudado.

Full Pricing Data

Línea de Créditos de Fomento samples
Sample 1Sample 2Sample 3
Loan AmountBOB 3,000BOB 5,000BOB 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2014-04-012013-01-072013-07-20
Loan Term (Months)18.0 months8.0 months15.0 months
Grace Period (Months)0.0 months0.1 months0.0 months
Total Cost of CreditBOB 646.20BOB 565.76BOB 1,870.33
True Price by Comp     
Interest price component14.3%21.7%21.7%
Fee Component11.2%6.3%4.0%
Insurance Component0.6%0.5%0.6%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)26.1%28.5%26.3%
Transparency Index555055
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Microcrédito samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 400USD 1,000USD 2,000USD 4,000USD 8,000USD 12,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-08-232010-08-232010-08-232010-08-232010-08-232010-08-23
Loan Term (Months)18.0 months18.0 months18.0 months18.0 months18.0 months18.0 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 Component21.3%21.3%21.3%21.3%21.3%20.3%
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 Component2.6%2.6%2.6%2.6%2.6%2.5%
Full APR (int fee ins tax dep)23.9%23.9%23.9%23.9%23.9%22.8%
Transparency Index848484848488
            
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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