2. MEDA
Please note that the information you are viewing is 165 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. DECSI
Please note that the information you are viewing is 156 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Microempresas de Antioquia A.C Calle 57A # 48-31Cra 49 # 53-19 Of 401Medellín, Antioquia
Data approved: 2011-08-01
Data version: 1
Age of data: 165 months

Institution

Dedebit Credit and Savings Institution Head OfficeMekelePO Box 1074
Data approved: 2011-12-23
Data version: 1
Age of data: 156 months

Product

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Product

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Product Summary

Number borrowers2,293
Loan Amount (range)COP 1,606,800 - 21,424,000
Loan Term (range)12 - 180
Other Services (text summary)
Annual Interest & Method14.0% annual, Flat
FeesNone
Insurance4.00% upfront 17.00%-23.00% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component15.1% - 15.3% (Int+Fee)
Insurance Component0.6% - 3.0%
Tax Component Range0
Full APR (int fee ins tax dep)17.4% - 18.1%
Transparency Index (min/max)78 - 105
Transparency Index (average)79

Product Summary

78,000
ETB 500 - 20,000
12 - 36
Credit Educ, Group Mtgs, Business Training
18.0% annual, Decl Bal
None
None
None
N/A
 
N/A
16.7% - 17.6% (Int+Fee)
0
0
16.7% - 17.6%
70 - 185
100

Product Details

Key Statistics
Outstanding portfolio (COP)COP 18,873,499,724
Portfolio (USD)USD 10,370,054.79
Active Clients with Loans2,293
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Creditos para vivienda en convenio con la empresa de vivienda de Antioquia VIVA, Creada por la gobernacion de Antioquia para el desarrollo del programa de vivienda de interes social del departamento.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
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 servicesx
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried workerx
Must be specific age group
OtherTener ahorro programado 10% valor de la vivienda- con esto of property
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 (ETB)ETB 261,000,000
Portfolio (USD)USD 14,184,782.61
Active Clients with Loans78,000
Approximate % Female Clients60% - 80%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This loan is for income generating activities
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 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

Loan Conditions

Loan Amount
CurrencyCOP
Minimum loan sizeCOP 1,606,800
Maximum loan size21,424,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term180.0 months
Approx average120.0 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
CurrencyETB
Minimum loan sizeETB 500
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term36.0 months
Approx average36.0 months
Grace Period
Grace period usage100%
Average grace period3.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest1.17%
Highest quoted nominal interest1.17%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
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
Ins 1
DescriptionSeguro de Vida
% of loan amount - min4.00%
% of loan amount - max4.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
Ins 1
DescriptionSeguros de Incendio
% of loan amount - min17.00%
% of loan amount - max23.00%
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 interest18.00%
Highest quoted nominal interest18.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
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

Vivienda samples
Sample 1Sample 2Sample 3
Loan AmountCOP 3,552,000COP 6,432,000COP 13,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-02-232011-02-232011-03-30
Loan Term (Months)48.0 months96.0 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 Component15.1%15.3%15.3%
Insurance Component3.0%2.3%2.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)18.1%17.5%17.4%
Transparency Index788081
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Regular Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountETB 2,000ETB 3,000ETB 5,000ETB 8,000ETB 10,000ETB 20,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-08-242011-08-242011-08-242011-09-062011-09-062011-09-06
Loan Term (Months)12.0 months12.0 months12.0 months36.0 months36.0 months36.0 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 Component17.6%17.6%17.6%16.7%16.7%16.7%
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 Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)17.6%17.6%17.6%16.7%16.7%16.7%
Transparency Index100100100100100100
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Vivienda Price Graphs


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Regular Loan 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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