Loan Conditions

Loan Amount

Currency	COP
Minimum loan size	COP 500,000
Maximum loan size	13,300,000

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	24.0 months
Approx average	0

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
Irregular payments

Pricing Information

Interest

Upfront Fees

	Fee 1
Description	Consulta Centrales de Riesgo
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	18,638
Fixed amount - max	37,250
Reason for variation	N/A
Appears on Repayment Sched?	Yes

Ongoing Fees

	Fee 1
Description	Comision Mipyme. Anual + IVA
% of loan amount - min	4.50%
% 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

This product has no upfront insurance fees

Ongoing Insurance Fees

	Ins 1
Description	Seguro de Vida Deudores
% of loan amount - min	5.00%
% of loan amount - max	5.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	Yes

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

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.

Credinegocio Price Graphs

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
AB Bank	300	307,000	2	167
AMZ	4,900	651,000	2	167
CETZAM	6,700	2,210,000	4	167
Eclof Zambia	200	111,000	4	167
Empowerment	1,500	447,000	5	167
FINCA Zambia	43,700	16,420,000	4	125
Harmos	9,800	1,398,000	3	167
Kungoma	43	18,000	2	167
MBT	13,900	1,563,000	5	167
Meanwood	2,000	1,766,000	5	167
PFSL	1,300	3,506,000	3	167
Zambia CRC	30	1,000	1	167