Corporación Accion por el Quindio "Actuar Famiempresas" - Activos Fijos - MFTransparency.org Truth In Lending Tables

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Institution

Corporación Accion por el Quindio "Actuar Famiempresas" Calle 16 NÂº 13 - 13Armenia, Quindio

Data approved: 2011-08-01

Data version: 1

Age of data: 166 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (COP)	COP 764,580,704
Portfolio (USD)	USD 420,099.29
Active Clients with Loans	351
Approximate % Female Clients	20% - 40%
Approximate % Urban Clients	20% - 40%

Methodology

Individual	x
Solidarity group	x
Village banking
Self help group
Other

Description

Prestamo que tiene como objetivo la compra de activos fijos.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing	x
Consumer loan
Agriculture
Education
Other household finance
Other	Activos Fijos
Other (2)

Included Services

Credit education
Group meetings
Credit insurance	x
Workplace visits	x
Business training	x
Other training	x
Other	Acompañamiento en los procesos de comercialización
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business	x
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 institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	COP
Minimum loan size	COP 1,000,000
Maximum loan size	61,800,000

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	36.0 months
Approx average	25.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment	x
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	2.45%
Highest quoted nominal interest	2.45%
Interest rate period	Monthly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

This product has no upfront fees

Ongoing Fees

	Fee 1
Description	Estudio de Credito anual diferido en los meses del prestamo (No todos)
% of loan amount - min	4.00%
% of loan amount - max	7.50%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	Yes

Upfront Insurance Fees

	Ins 1
Description	Seguro de Vida o incapacidad por el monto del credito desembolsado (0.25% per annum)
% of loan amount - min	25.00%
% of loan amount - max	25.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	No

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Activos Fijos samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5
Loan Amount	COP 3,419,000	COP 6,800,000	COP 13,000,000	COP 32,479,927	COP 50,000,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2011-01-28	2011-01-24	2011-01-14	2011-02-01	2011-04-30
Loan Term (Months)	30.0 months	36.0 months	36.0 months	26.0 months	36.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	36.2%	36.7%	20.4%	23.6%	19.8%
Insurance Component	0.6%	0.6%	0.2%	0.6%	0.5%
Tax Component	0.0%	0.0%	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	36.8%	37.3%	20.6%	24.2%	20.3%
Transparency Index	80	79	100	100	100

Original Repayment Schedule	PDF	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF	PDF

Activos Fijos Price Graphs

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
AGFS	200	47,000	2	157
Ahantaman RB	23,800	9,896,000	4	139
APED	13,700	1,876,000	2	139
ASA Initiative	4,400	577,000	4	139
ASA-Ghana	71,600	18,385,000	2	139
ASPI	800	88,000	6	139
Atwima Kwanwoma	3,800	1,788,000	2	139
Baobab	5,100	967,000	2	139
BestFUND	13,000	4,172,000	3	139
Bonzali Rural	10,400	1,691,000	4	157
CashPhase	83	135,000	2	139
CASUD	1,100	524,000	1	139
CEDEF	500	54,000	4	139
CFF	100	13,000	1	139
CRAN	3,600	1,019,000	2	139
DQF	1,700	63,000	2	139
EASL	9,200	11,409,000	6	139
East Mamprusi	12,500	2,268,000	4	139
ELDA	0	0	0	139
EMPRETEC Ghana	200	56,000	2	139
FASL	13,500	14,047,000	8	139
Grameen Ghana	9,500	507,000	3	139
ID-Ghana	5,600	953,000	3	139
Innovative Finance	2,700	354,000	3	139
Kraban Support	7,700	781,000	5	157
KRB	4,000	6,350,000	3	139
Lower Pra RB	34,000	6,316,000	3	157
Maata-N-Tudu	12,000	941,000	4	139
Mail Finance	300	288,000	1	139
Markaz	0	0	0	139
Markaz Al Bishara	100	17,000	1	139
MicrofinPlus Gh	1,100	251,000	2	139
Nwabiagya RB	4,000	2,265,000	3	139
OISL	62,000	27,232,000	9	139
Pro Credit	0	0	0	139
Rich Step	100	101,000	1	139
SAT	147,600	29,359,000	4	139
Sekam Trust	600	137,000	2	139
Simli Pong	8,900	463,000	3	157
SS Ghana	200	35,000	1	139
TCCU	100	32,000	3	139
The Bridge	400	32,000	3	157
Union RB	3,800	2,361,000	4	139

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

	X Axis
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Total Borrrowers of Samples


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By Country

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