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Institution

Corporación Nariño Empresa y Futuro Calle 17 No. 29-31Pasto, Nariño
Data approved: 2011-08-01
Data version: 1
Age of data: 166 months

Institution

DAASGIFT Quality Foundation - FNGO Head OfficeTakoradi, WesternPO Box TD 1369
Data approved: 2013-05-27
Data version: 2
Age of data: 139 months
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Product

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Product

Energy (Clean Cookstoves) Product 1 of 5 « Prev | Next »

Product Summary

Number borrowers204
Loan Amount (range)COP 12,875,001 - 103,000,000
Loan Term (range)1 - 60
Other Services (text summary)Eventualmente capacitación y asistencia técnica
Annual Interest & Method23.8% annual, Decl Bal
Fees10,000.00 upfront 3,000.00 ongoing
Insurance7.00% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component21.2% - 21.3% (Int+Fee)
Insurance Component1.2% - 1.4%
Tax Component Range0
Full APR (int fee ins tax dep)22.5% - 22.7%
Transparency Index (min/max)59 - 105
Transparency Index (average)100

Product Summary

1,120
GHS 100 - 2,000
3 - 6
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
24.00%-36.00% annual, Flat
None
None
None
N/A
 
39.3% - 68.1%
0
0
0
66.5% - 68.1%
34 - 51
35

Product Details

Key Statistics
Outstanding portfolio (COP)COP 2,728,408,333
Portfolio (USD)USD 1,499,125.46
Active Clients with Loans204
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity groupx
Village bankingx
Self help group
Other
Description
Crédito superior a 25 SMMLV para microempersarios urbanos y rurales, que cuenten con antigàŒedad mínima de 6 meses en su actividad económica
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherPrincipalmente para capital de trabajo y activos f
Other (2)Sustitución de pasivos
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
OtherEventualmente capacitación y asistencia técnica
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

Key Statistics
Outstanding portfolio (GHS)GHS 82,480
Portfolio (USD)USD 41,868.02
Active Clients with Loans1,120
Approximate % Female Clients80% - 100%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Loans granted for the purchase of clean cookstoves, ovens, and accessories.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loanx
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
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 institution1
# Regions for this product1
Regions ActiveWestern Region

Loan Conditions

Loan Amount
CurrencyCOP
Minimum loan sizeCOP 12,875,001
Maximum loan size103,000,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term60.0 months
Approx average17.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 100
Maximum loan size2,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,00050%
GHS 1,000-5,00050%
GHS 5,000-7,5000
GHS 7,500-10,0000
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term6.0 months
Approx average4.5 months
Distribution at Disbursement (Est.)
Loans 3 months or less20%
Between 4 and 6 months80%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
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 interest23.77%
Highest quoted nominal interest23.77%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCostos Administrativos
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min10,000
Fixed amount - max10,000
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
Fee 1
DescriptionCostos Administrativos - Pagado diferido con las primeras cuotas para algunos prestamos.
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min3,000
Fixed amount - max3,000
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de proteccio de prestamo
% of loan amount - min7.00%
% of loan amount - max7.00%
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

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?Yes
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 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

Comercial samples
Sample 1Sample 2Sample 3
Loan AmountCOP 15,000,000COP 27,092,425COP 40,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-03-152011-01-152011-02-23
Loan Term (Months)24.0 months36.0 months36.0 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 Component21.3%21.3%21.2%
Insurance Component1.4%1.4%1.3%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)22.7%22.7%22.5%
Transparency Index100100100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Energy (Clean Cookstoves) samples
Sample 1Sample 2Sample 3
Loan AmountGHS 315GHS 750GHS 1,500
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-01-212012-12-062013-03-19
Loan Term (Months)6.0 months6.0 months6.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditGHS 66.60GHS 159GHS 315
True Price by Comp     
Interest price component68.1%67.1%66.5%
Fee Component0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)68.1%67.1%66.5%
Transparency Index353636
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Comercial Price Graphs


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Energy (Clean Cookstoves) 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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