2. FUNDESAN
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. AccessBank
Please note that the information you are viewing is 176 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

FUNDESAN BucaramangaBucaramanga
Data approved: 2011-08-01
Data version: 1
Age of data: 166 months

Institution

AccessBank Closed Joint-Stock Company B. Seferoglu Street, 176BakuAZ1000
Data approved: 2010-05-24
Data version: 1
Age of data: -   months 
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Product

HACIENDA PRODUCTIVA Product 4 of 5 « Prev | Next »

Product

Micro agricultural loan (USD) Product 4 of 4 « Prev | Next »

Product Summary

Number borrowers200
Loan Amount (range)COP 2,000,000 - 7,000,000
Loan Term (range)12 - 36
Other Services (text summary)Credit Educ, Credit Ins, Tech Asst Visits
Annual Interest & Method15.0% annual, Decl Bal
Fees4.50% upfront
Insurance20,000.00-45,000.00 upfront 1,000.00-3,000.00 ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component18.2% - 19.8% (Int+Fee)
Insurance Component1.0% - 5.3%
Tax Component Range0
Full APR (int fee ins tax dep)19.5% - 21.2%
Transparency Index (min/max)46 - 94
Transparency Index (average)74

Product Summary

2,102
USD 100 - 20,000
1 - 36
27.0%-33.0% annual, Decl Bal
5.00-200.00 upfront
None
None
N/A
 
N/A
36.4% - 0 (Int+Fee)
0
0
-12.8% - 44.6%
-210 - 89
21

Product Details

Key Statistics
Outstanding portfolio (COP)COP 550,000,000
Portfolio (USD)USD 302,197.80
Active Clients with Loans200
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
APOYAR A LOS COMERCIANTES Y TENDEROS QUE ESTEN AL DIA EN EL PAGO DEL IMPUESTO DE INDUSTRIA Y COMERCIO
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
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 (USD)USD 9,451,727
Portfolio (USD)USD 9,451,727
Active Clients with Loans2,102
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Target group: borrowers engaged in agriculture. Grace periods are available as well as flexible repayment schedules. A wide range of collateral (should be combined). Loans can be disbursed both in local and foreign currency.
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 insurance
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
OtherBorrowers receiving income from agricultural business
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyCOP
Minimum loan sizeCOP 2,000,000
Maximum loan size7,000,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term36.0 months
Approx average24.0 months
Grace Period
Grace period usage0
Average grace period0
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
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term36.0 months
Approx average14.0 months
Grace Period
Grace period usage50%
Average grace period3.0 months
Repayment Frequency
Daily
Weekly
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 interest1.25%
Highest quoted nominal interest1.25%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionTrámite Mipyme
% of loan amount - min4.50%
% of loan amount - max4.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionSeguro $ 5,000 POR MILLON POR AÑO
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min20,000
Fixed amount - max45,000
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
Ins 1
DescriptionFondo de Solidaridad y Seguro
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min1,000
Fixed amount - max3,000
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 interest2.25%
Highest quoted nominal interest2.75%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termN/A
Upfront Fees
Fee 1
Description
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min5
Fixed amount - max200
Reason for variation
Appears on Repayment Sched?No
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

HACIENDA PRODUCTIVA samples
Sample 1Sample 2Sample 3
Loan AmountCOP 3,000,000COP 4,000,000COP 8,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-03-042011-02-182011-02-18
Loan Term (Months)36.0 months24.0 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 Component18.2%19.8%18.3%
Insurance Component1.7%1.4%1.1%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)20.0%21.2%19.5%
Transparency Index757177
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Micro agricultural loan (USD) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 300USD 500USD 800USD 1,000USD 1,500USD 2,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-09-052010-03-312011-09-052010-04-212011-09-052010-02-08
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months12.0 months18.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component36.4%37.7%36.4%37.6%36.4%36.4%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component8.2%0.0%-49.2%0.0%8.2%0.0%
Full APR (int fee ins tax dep)44.6%37.7%-12.8%37.6%44.6%36.4%
Transparency Index6172-210726174
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
HACIENDA PRODUCTIVA Price Graphs


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Micro agricultural loan (USD) 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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