2. APED
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

Association of Progressive Entrepreneurs in Development Head OfficeAccraP.O. Box CT 78 PMB
Data approved: 2013-02-15
Data version: 2
Age of data: 139 months
Choose version

Product

Farmer Loan Product 1 of 2 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 654,472.04
Portfolio (USD)USD 332,219.31
Active Clients with Loans3,045
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village bankingx
Self help group
Other
Description
Designed for small-to-medium sized farm enterprises for use in cultivation of agricultural and livestock products.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other trainingx
OtherExtention Services
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 groupx
OtherMust be resident in community near branch for at least on year
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution10
# Regions for this product10
Regions ActiveGreater Accra Region, Central Region, Western Region, Eastern Region, Volta Region, Ashanti Region, Brong Ahafo Region, Northern Region, Upper East Region, Upper West Region

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 300
Maximum loan size7,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,00090%
GHS 1,000-5,00010%
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 term6.0 months
Longest loan term8.0 months
Approx average7.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months80%
Between 7 and 9 months20%
Between 10 and 12 months0
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 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 interest3.00%
Highest quoted nominal interest4.00%
Reason(s) why interest rate variesBranch
Interest rate period4 Weeks
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionProcessing FeeApplication and Pass Book Fee
% of loan amount - min3.00%0
% of loan amount - max3.00%0
OR, Fixed amount - min02
Fixed amount - max04
Reason for variationN/AFee varies based on geographic location of client.
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min0.50%
% of loan amount - max0.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationIncludes life cover only. Do not cover clients above age 64.
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaGHC 1000 or less loans deposit 15% and loans > GHS 1000 deposit 20%.
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited15.00% - 20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited10.00%
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Farmer Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountGHS 300GHS 700GHS 1,350GHS 2,700GHS 6,200
Loan Cycle (1, 2, 3, etc)44342
Disbursement Date2012-09-282012-08-272012-06-082012-09-282012-10-31
Loan Term (Months)6.0 months5.8 months5.6 months6.0 months5.9 months
Grace Period (Months)4.1 months3.9 months3.7 months4.1 months4.0 months
Total Cost of CreditGHS 67.50GHS 153.50GHS 293.25GHS 583.50GHS 1,522
True Price by Comp         
Interest price component36.2%37.6%41.2%36.2%44.7%
Fee Component9.0%7.9%8.1%6.9%7.2%
Insurance Component1.1%1.2%1.3%1.2%1.3%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component8.8%8.8%14.6%11.7%14.8%
Full APR (int fee ins tax dep)55.1%55.5%65.2%56.0%68.0%
Transparency Index7170607057
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Farmer Loan Price Graphs


Click to view Price Analysis Tool
  2. EMPRENDER
Please note that the information you are viewing is 172 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

EMPRENDER c. Presbítero Medina. Pje. Tal Tal Nº 570. SopocachiLa Paz, La Paz
Data approved: 2010-10-28
Data version: 1
Age of data: 172 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.emprender-bo.org/
Year established1999
Head of InstitutionRAMIRO QUISPE CHIPANA
Regions active
# Branches13

Total Portfolio (nat'l)BOB 23,898,315
Total Portfolio (USD)USD 3,540,491.11
Active clients with loans9,163
Approximate % female clients60% - 80%
Approximate % urban clients80% - 100%
Network affiliations
Funders

Loan Products » Summary

Emprendi
5,755 Borrowers
USD 1,504,454.87 Portfolio
Active Product
Individual
1,869 Borrowers
USD 712,176.30 Portfolio
Active Product
1,084 Borrowers
USD 164,141.78 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Bancos de Emprendimiento Bolivianos BOB 400 - 5,000 4 - 10 80% - 100% 60% - 80% Any Purpose Women, Men, Mujeres deben ser alrededor de un 80% Group Mtgs, Credit Ins, Business Training, Other Training, Salud, Liderazgo
Crédito Individual en Bolivianos BOB 500 - 20,000 2 - 36 60% - 80% 80% - 100% Business, Consumer, Negocio: Solo para Capital de Trabajo Women, Men, Have business Credit Ins, Tech Asst Visits, Business Training
BOB 200 - 10,000 2 - 36 60% - 80% 80% - 100% Business, Consumer, Negocio: Solo para Capital de Trabajo Women, Men, Have business Credit Ins, Tech Asst Visits, Business Training, SERVICIO DE SALUD EN ATENCIÓN PRIMARIA Y MEDICINA PREVENTIVA

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Bancos de Emprendimiento Bolivianos 33.6%-36.0% annual, Decl Bal 2 Fees 0 Ins None 20.00% ongoing 57.9% - 62% 65.6% - 70.4% 49
Crédito Individual en Bolivianos 24.0%-36.0% annual, Decl Bal 2 Fees 0 Ins None N/A 55.2% - 58.9% 55.2% - 58.9% 41
24.0%-36.0% annual, Decl Bal 2 Fees 0 Ins 15.00% Principal N/A 38.8% - 59.5% 38.9% - 60.3% 49
Institution Price Graph
Click to view Price Analysis Tool
Caps / Zoom options
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
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞