2. Crezcamos
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. PRASAC
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

Crezcamos S.A. Calle 47 # 29 - 65 SotomayorBucaramanga, Santander
Data approved: 2011-03-15
Data version: 1
Age of data: 166 months

Institution

PRASAC Building 212, Street 271, Sangkat Tuol Tumpoung IIKhan ChamkarmornPhnom Penh
Data approved: 2013-03-25
Data version: 3
Age of data: 139 months
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Product

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Product

Group Loan (KHR) Product 8 of 9 « Prev | Next »

Product Summary

Number borrowers1,319
Loan Amount (range)COP 500,000 - 13,390,000
Loan Term (range)6 - 36
Other Services (text summary)Credit Ins
Annual Interest & Method28.8%-34.0% annual, Decl Bal
Fees18,638.00-37,250.00 upfront 4.50%-7.50% ongoing
Insurance0.50% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component42.1% - 49.3% (Int+Fee)
Insurance Component0.3% - 1.1%
Tax Component Range0
Full APR (int fee ins tax dep)43.0% - 50.2%
Transparency Index (min/max)57 - 73
Transparency Index (average)62

Product Summary

7,527
KHR 100,000 - 5,000,000
4 - 12
Group Mtgs
31.2%-39.0% annual, Decl Bal
None
None
None
N/A
 
14.5% - 34.8%
0
0
0
32.4% - 33.6%
52 - 100
94

Product Details

Key Statistics
Outstanding portfolio (COP)COP 2,731,661,555
Portfolio (USD)USD 1,500,912.94
Active Clients with Loans1,319
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Es un crédito que financia la producción o comercio de bienes y en general lo que el cliente necesite para su negocio agropecuario.
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 insurancex
Workplace visits
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 institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 5,398,845,561
Portfolio (USD)USD 1,366,796.35
Active Clients with Loans7,527
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This product is provided to rural community with small daily income generating activity. The number of borrower per group varies from 2 to 5. The loan amount for each member in the group varies from 50,000 to 1,000,000.
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 insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
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 institution24
# Regions for this product24
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyCOP
Minimum loan sizeCOP 500,000
Maximum loan size13,390,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term36.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 100,000
Maximum loan size5,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,0000
KHR 1,000,000-3,500,00050%
KHR 3,500,000-6,000,00050%
KHR 6,000,000-8,000,0000
KHR 8,000,000-10,000,0000
Greater than KHR 10,000,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term12.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months30%
Between 7 and 9 months30%
Between 10 and 12 months40%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 monthsx
Every 12 months
Single end paymentx
Irregular paymentsx

Pricing Information

Interest
Lowest quoted nominal interest2.40%
Highest quoted nominal interest2.83%
Reason(s) why interest rate variesN/A
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionConsulta Centrales de Riesgo
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min18,638
Fixed amount - max37,250
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
Fee 1
DescriptionLey Mipymes, Comisiones y Honorarios y Administracio del Credito (See Comments: Annual + IVA)
% 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
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de Vida Requerido
% of loan amount - min0.50%
% of loan amount - max0.50%
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
Additional Comments
Sobre el valor que se cobra de comisiones y honorarios se cobra un impuesto de IVA del 16%. No se incluyó como impuesto en la sección anterior porque no se liquida sobre el desembolso ni sobre el valor de la comisión. De otra parte se liquida proporcionalmente al plazo de la obigacion y las tasas expresadas son en tasas anuales.

Pricing Information

Interest
Lowest quoted nominal interest2.60%
Highest quoted nominal interest3.25%
Reason(s) why interest rate variesLoan Size
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
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

CREDIAGRO samples
Sample 1Sample 2
Loan AmountCOP 1,500,000COP 3,500,000
Loan Cycle (1, 2, 3, etc)Not KnownNot Known
Disbursement Date2011-02-092011-02-11
Loan Term (Months)15.0 months24.0 months
Grace Period (Months)0.0 months0.0 months
Total Cost of CreditNot KnownNot Known
True Price by Comp   
Interest and Fee Component49.3%42.1%
Insurance Component0.9%0.9%
Tax Component0.0%0.0%
Deposit Component0.0%0.0%
Full APR (int fee ins tax dep)50.2%43.0%
Transparency Index5767
    
Original Repayment SchedulePDFPDF
MFT Pricing CalculationPDFPDF

Full Pricing Data

Group Loan (KHR) samples
Sample 2Sample 3Sample 4Sample 5
Loan AmountKHR 500,000KHR 1,200,000KHR 5,000,000KHR 2,200,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-03-152013-01-172013-03-042013-03-19
Loan Term (Months)12.0 months6.0 months12.0 months12.0 months
Grace Period (Months)11.1 months5.0 months0.0 months11.2 months
Total Cost of CreditKHR 169,868KHR 195,480KHR 1,977,083KHR 722,700
True Price by Comp       
Interest price component33.6%32.4%33.3%32.4%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)33.6%32.4%33.3%32.4%
Transparency Index93969496
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
CREDIAGRO Price Graphs


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Group Loan (KHR) 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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