2. IMPRO
Please note that the information you are viewing is 134 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: 134 months
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.improbolivia.org/
Year established1995
Head of InstitutionJosé Jimenez M.
Regions activeLa Paz
# Branches1

Total Portfolio (nat'l)BOB 19,617,663.83
Total Portfolio (USD)USD 2,906,320.57
Active clients with loans2,413
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsFINRURAL
Funders

Loan Products » Summary

Linea BOB
990 Borrowers
USD 1,111,074.74 Portfolio
Active Product
Prog BOB
216.50 Borrowers
USD 331,768.96 Portfolio
Active Product
Linea USD
990 Borrowers
USD 1,111,074.50 Portfolio
Active Product
Prog USD
216.50 Borrowers
USD 331,769 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Línea de Créditos de Fomento BOB 300 - 21,000 4 - 24 40% - 60% 60% - 80% Business, Agriculture, Education Women, Men, Have business Credit Ins, Tech Asst Visits
Programa de Vivienda y Mejoramiento del Habitat BOB 300 - 10,000 6 - 24 40% - 60% 60% - 80% Housing, Other Women, Men, Have home or land Credit Ins, Tech Asst Visits
Línea de Créditos de Fomento (USD) USD 50 - 3,100 4 - 24 40% - 60% 60% - 80% Business, Agriculture, Education Women, Men, Have business Credit Ins, Tech Asst Visits
Programa de Vivienda y Mejoramiento del Habitat (USD) USD 50 - 1,500 6 - 24 40% - 60% 60% - 80% Business, Agriculture, Education Women, Men, Have business Credit Ins, Tech Asst Visits

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Línea de Créditos de Fomento 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins None N/A 25.5% - 28% 26.1% - 28.5% 53
Programa de Vivienda y Mejoramiento del Habitat 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins None N/A 19.8% - 28.6% 20.4% - 29.2% 56
Línea de Créditos de Fomento (USD) 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins None N/A 19.8% - 40.4% 20.4% - 40.9% 53
Programa de Vivienda y Mejoramiento del Habitat (USD) 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins None N/A 27.8% - 33.8% 28.4% - 34.3% 46
Institution Price Graph
Microloan Products offered in BOB0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessMultipleLoan PurposeIMPROInstitutionBO-024-V02-P01BO-024-V02-P02ProductBOCountry2013YearRange Number2Institution Data Version02,0004,0006,0008,00010,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 1009010Number of Borrowers
Microloan Products offered in USD0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeIMPROInstitutionBO-024-V02-P03BO-024-V02-P04ProductBOCountry2013YearRange Number2Institution Data Version02004006008001,0001,200Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 90506Number of Borrowers
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  2. Fund DeLaMujer
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

Institution

FUNDACION DELAMUJER CALLE 43 29-13 TEMPO II PARQUE DE LAS PALMAS 7 PISOBucaramanga, Santander68001000
Data approved: 2011-08-01
Data version: 1
Age of data: 171 months

Product

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Product Details

Key Statistics
Outstanding portfolio (COP)COP 301,334,000,000
Portfolio (USD)USD 165,568,131.90
Active Clients with Loans199,988
Approximate % Female Clients60% - 80%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village bankingx
Self help group
Other
Description
Capital de trabajo y/o compra de activos fijos
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other trainingx
OtherCapacitación en temas de formación socio empresarial
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
OtherPara la metodologia Banca Comunal no se requiere ser propietadio de un negocio
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
CurrencyCOP
Minimum loan sizeCOP 200,000
Maximum loan size21,959,600
Loan Term and Grace Period
Shortest loan term2.0 months
Longest loan term36.0 months
Approx average14.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
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 interest33.16%
Highest quoted nominal interest34.04%
Reason(s) why interest rate variesClient Risk, Collateral, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
Description(ALGUNOS EJEMPLOS) Comisio por la ley Mipyme ;Cobrada de conformidad con el articulo 39 de la Ley 590 de 2000, Resolucion de Abril 26/2007 del Consejo Superior de la Microempresa-publicada en Mayo 4/07, Si el credito aprobado es menor igual a 4 SMMLV hasta 25 SMMLV se cobra el 4.5% anticipada, si es mayor a 4 SMMLV se cobra 7.5% anticipada
% of loan amount - min4.50%
% of loan amount - max7.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
Fee 1
DescriptionComisio por la ley Mipyme
% of loan amount - min4.61%
% of loan amount - max7.82%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationCobrada de conformidad con el articulo 39 de la Ley 590 de 2000, Resolucion de Abril 26/2007 del Consejo Superior de la Microempresa-publicada en Mayo 4/07, Si el credito aprobado es menor igual a 4 SMMLV hasta 25 SMMLV se cobra el 4.5% anticipada, si es mayor a 4 SMMLV se cobra 7.5% anticipada.
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de Vida deudores
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationCobertura de padecimientos no congenitos de los clientes en estos casos habra cobertura del saldo insoluto de la obligacion del cliente, se tienen estipulado el pago de la deuda en caso de fallecimiento el 100% sin exclusiones; por invalidez se reconoce el 100% de la deuda siempre y cuando la enfermedad o accidente no sea pre existente. Invalidez "50% perdida de su capacidad laborar y certificada por un medico"
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
Additional Comments
Este producto corresponde a una àºnica cartera de microcrédito en la cual hay varias lineas comerciales las mas representativas de las cuales estan incluidas.

Full Pricing Data

Microcrédito samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountCOP 740,000COP 1,540,000COP 1,670,000COP 3,511,700COP 4,500,000COP 16,221,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-01-312011-01-182011-01-272011-01-132011-01-312011-01-31
Loan Term (Months)10.0 months12.0 months12.0 months36.0 months24.0 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 Component49.7%52.9%29.8%40.4%41.0%34.1%
Insurance Component0.4%0.4%0.4%0.4%0.4%0.4%
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)50.1%53.3%30.2%40.8%41.4%34.5%
Transparency Index6662100818096
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Microcrédito Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeAnyLoan PurposeFund DeLaMujerInstitutionCO-022-V01-P01ProductCOCountry2011YearRange Number1Institution Data Version05,000,00010,000,00015,000,000Loan Size (all)0%20%40%Full APR (int fee ins tax dep)> 59,00044,00029,00014,0001,600Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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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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