2. Banco Agrario
Please note that the information you are viewing is 166 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. SPN
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Banco Agrario De Colombia S.A Carrera 8 No. 15-43Bogotà D.C, Cundomarca57
Data approved: 2011-03-15
Data version: 1
Age of data: 166 months

Institution

Sathapana Limited #831C, Monivong Blvd, Phsa Doem ThkovChamkarmornPhnom PenhPO Box 1423
Data approved: 2013-06-28
Data version: 3
Age of data: 139 months
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Product Summary

Number borrowers51,189
Loan Amount (range)COP 496,900 - 12,875,000
Loan Term (range)3 - 36
Other Services (text summary)Credit Educ, Group Mtgs, Business Training
Annual Interest & Method29.6% annual, Decl Bal
Fees15.00% upfront 4.50%-7.50% ongoing
Insurance2.75%-5.52% upfront 0.27%-0.35% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component41.2% - 47.3% (Int+Fee)
Insurance Component0.6% - 6.3%
Tax Component Range0
Full APR (int fee ins tax dep)47.2% - 50.3%
Transparency Index (min/max)42 - 66
Transparency Index (average)61

Product Details

Key Statistics
Outstanding portfolio (COP)COP 69,714,398,639
Portfolio (USD)USD 38,304,614.64
Active Clients with Loans51,189
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Esta línea está dirigida a las personas naturales con negocios en marcha que tengan como mínimo 12 meses de operación como microempresario en la actividad a financiar y seis meses en el sitio actual o en la misma zona, si atienden pàºblico.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business trainingx
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 institutionN/A
# Regions for this productN/A
Regions Active

Product Details


This product either has less than 50 active borrowers or less than 10 loan disbursements over the past 9 months. MFTransparency presents basic data rather than full data for low volume products
Key Statistics
Outstanding portfolio (KHR)KHR 811,595,000
Portfolio (USD)USD 205,467.09
Active Clients with Loans34
Approximate % Female Clients0% - 20%
Approximate % Urban Clients60% - 80%
Description
Loan in Khmer Riel currency provide to small and medium entreprise operating in all sectors.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
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 institution22
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyCOP
Minimum loan sizeCOP 496,900
Maximum loan size12,875,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term36.0 months
Approx average15.0 months
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

Pricing Information

Interest
Lowest quoted nominal interest29.56%
Highest quoted nominal interest29.56%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCIFIN
% of loan amount - min15.00%
% of loan amount - max15.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
Ongoing Fees
Fee 1
DescriptionMIPYME (porcentaje anual)
% 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
Upfront Insurance Fees
Ins 1
DescriptionFNG
% of loan amount - min2.75%
% of loan amount - max5.52%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
Ins 1
DescriptionSeguro Vida Deudor
% of loan amount - min0.27%
% of loan amount - max0.35%
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

Línea de Fortalecimiento samples
Sample 1Sample 2Sample 3
Loan AmountCOP 1,500,000COP 3,500,000COP 7,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-04-292011-04-292011-04-28
Loan Term (Months)12.0 months15.0 months30.0 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 Component47.3%44.1%41.2%
Insurance Component0.7%6.3%6.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)48.1%50.3%47.2%
Transparency Index625963
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Línea de Fortalecimiento Price Graphs


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Loan Portfolio (USD)
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% Products with compulsory deposits
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