2. FMSD
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. CEDEF
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

Fundación Mario Santo Domingo Carrera 45 N° 34-01 Piso 2Barranquilla, Atlántico
Data approved: 2011-08-01
Data version: 1
Age of data: 166 months

Institution

Calvary Enterprise Development Foundation Head OfficeMamprobi, Accra, Greater AccraP.O. Box MP 2468
Data approved: 2013-03-18
Data version: 2
Age of data: 139 months
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Product

Vivienda Hipotecaria Product 6 of 6 « Prev | Next »

Product

Agricultural Production Credit Product 1 of 4 « Prev | Next »

Product Summary

Number borrowers777
Loan Amount (range)COP 2,000,000 - 11,845,000
Loan Term (range)36 - 120
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Business Training
Annual Interest & Method16.5% annual, Decl Bal
Fees2.00%-4.00% upfront
Insuranceongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component15.6% - 16.4% (Int+Fee)
Insurance Component0 - 7.2%
Tax Component Range0
Full APR (int fee ins tax dep)16.9% - 17.4%
Transparency Index (min/max)0 - N/A
Transparency Index (average)97

Product Summary

150
GHS 1,000 - 1,000
8 - 12
Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Training on Agricultural Best Practices
30.00% annual, Decl Bal
None
None
None
N/A
 
23.8% - 49.8%
0
0
0
23.8% - 25.1%
72 - 126
100

Product Details

Key Statistics
Outstanding portfolio (COP)COP 6,002,166,218
Portfolio (USD)USD 3,297,893.53
Active Clients with Loans777
Approximate % Female Clients60% - 80%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Financiación de inmuebles destinado para vivienda de interés social - VIS, las personas que sean beneficiarios de un subsidio VIP2 o VIS2 en los Macroproyectos que la fundación desarrolle
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 insurancex
Workplace visits
Business trainingx
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 institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 46,500
Portfolio (USD)USD 23,604.06
Active Clients with Loans150
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Designed for rural farmers to improve yield sizes and farming methods.
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 visitsx
Business trainingx
Other trainingx
OtherTraining on Agricultural Best Practices
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
OtherMust have farming experience
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution3
# Regions for this product2
Regions ActiveGreater Accra Region, Central Region

Loan Conditions

Loan Amount
CurrencyCOP
Minimum loan sizeCOP 2,000,000
Maximum loan size11,845,000
Loan Term and Grace Period
Shortest loan term36.0 months
Longest loan term120.0 months
Approx average0
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months100%
Grace Period
Grace period usage90%
Average grace period6.0 months
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

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 1,000
Maximum loan size1,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,000100%
GHS 1,000-5,0000
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 term8.0 months
Longest loan term12.0 months
Approx average10.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months20%
Between 10 and 12 months80%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period5.0 months
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 interest16.50%
Highest quoted nominal interest16.50%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionComisio Microcredito.(cobrado anualmente) (MiPYME)
% of loan amount - min2.00%
% of loan amount - max4.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro Deudores
% of loan amount - min0
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationLa prima del seguro de deuda es asumido por la Fundacio para saldos hasta de $10.000.000. La prima sobre saldos superiores a esta suma se liquidan en el plan de pagos a cargo de los deudores. Se ofrece el amparo de daños como un seguro adicional.
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
Se ofrece amparo de daños y seguro exequial como amparo adicional.

Pricing Information

Interest
Lowest quoted nominal interest30.00%
Highest quoted nominal interest30.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termNo
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

Vivienda Hipotecaria samples
Sample 1Sample 2Sample 3
Loan AmountCOP 8,852,626COP 13,160,334COP 14,456,752
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-03-092011-04-292011-03-30
Loan Term (Months)58.0 months122.0 months120.0 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 Component16.3%16.4%15.6%
Insurance Component1.1%0.5%1.2%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)17.4%16.9%16.9%
Transparency Index959898
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Agricultural Production Credit samples
Sample 1Sample 2Sample 3
Loan AmountGHS 1,000GHS 1,000GHS 1,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2012-09-152012-10-252012-10-29
Loan Term (Months)13.0 months13.0 months13.0 months
Grace Period (Months)4.5 months4.2 months4.1 months
Total Cost of CreditGHS 174.10GHS 174.10GHS 174.10
True Price by Comp     
Interest price component23.8%24.7%25.1%
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)23.8%24.7%25.1%
Transparency Index100100100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Vivienda Hipotecaria Price Graphs


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Agricultural Production Credit 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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