Codesarrollo - Credimicroempresarial - MFTransparency.org Truth In Lending Tables

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Institution

Codesarrollo Ladron de Guevara E13-408 Y BarcelonaQuito, Pichincha

Data approved: 2010-11-11

Data version: 1

Age of data: 173 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (USD)	USD 15,830,467
Portfolio (USD)	USD 15,830,467
Active Clients with Loans	5,804
Approximate % Female Clients	40% - 60%
Approximate % Urban Clients	60% - 80%

Methodology

Individual	x
Solidarity group	x
Village banking
Self help group
Other

Description

Están orientadas a financiar actividades de microempresas productivas, de comercio y de servicios en general

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education
Group meetings
Credit insurance	x
Workplace visits
Business training
Other training
Other	Seguro de Desgravamen
Other (2)
No other services	x

Eligibility

Men	x
Women	x
Must run a business	x
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 institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	USD
Minimum loan size	USD 400
Maximum loan size	20,000

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	50.0 months
Approx average	0

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks	x
Monthly	x
Every 2 months
Quarterly	x
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	11.44%
Highest quoted nominal interest	17.00%
Reason(s) why interest rate varies	Loan Purpose, Por la fuente de pago
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

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 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

Are taxes charged on this product?

Full Pricing Data

Credimicroempresarial samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5	Sample 6
Loan Amount	USD 400	USD 1,100	USD 2,000	USD 4,150	USD 8,000	USD 12,500
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2010-06-21	2010-07-08	2010-05-12	2010-06-14	2010-06-17	2010-06-30
Loan Term (Months)	7.0 months	15.0 months	20.0 months	24.0 months	42.0 months	48.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	17.0%	17.0%	17.0%	17.0%	17.0%	17.0%
Insurance Component	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	17.0%	17.0%	17.0%	17.0%	17.0%	17.0%
Transparency Index	67	67	67	67	67	67

Original Repayment Schedule	PDF	PDF	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF	PDF	PDF

Credimicroempresarial Price Graphs

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
KBL	468,300	120,082,000	16	116
KF	233,600	41,416,000	4	115
NRSP	399,900	70,157,000	3	116
ASA	230,400	29,637,000	3	116
TMFB	221,200	85,449,000	7	116
FMFB	163,544	38,481,323	9	134
TRDP	100,000	13,817,000	3	116
PRSP	75,656	9,907,176	3	134
BRAC^P	57,300	11,869,000	3	116
SRSO	51,100	7,775,000	3	116
SSF	46,000	4,776,000	3	116
FINCA	82,000	43,559,000	9	116
JWS	36,000	6,545,000	2	116
RCDS	35,552	4,856,122	4	134
DAMEN	35,185	7,150,864	1	134
FFO	22,400	3,335,000	3	116
OLP	21,400	3,510,000	3	116
CSC	17,600	3,147,000	1	116
AMRDO	13,800	1,206,000	5	116
WMBL	13,800	6,105,000	3	116
Mojaz	13,400	2,415,000	2	116
SDF	11,500	1,041,000	4	116
POMFB	8,500	2,795,000	4	116
OPD	7,500	918,000	2	116
AGAHE	7,300	797,000	2	116
NRDP	6,184	1,521,972	3	134
GBTI	6,100	669,000	3	134
WASIL	4,300	1,135,000	2	116
Micro Options	4,000	768,000	5	116
VDO	3,900	489,000	3	134
SVDP	3,900	811,000	13	134
SRDO	3,500	766,000	4	116
OSDI	2,000	923,000	3	116
APMBL	1,800	1,401,000	3	116
BEDF	1,400	209,000	3	134
KCDO	800	94,000	1	134

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

	X Axis
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	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
Std Dev

By Inst Type


By Country

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