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Institution
Data approved: 2010-11-08
Data version: 1
Age of data: 174 months
Description
Este tipo de credito es destinado a microempresarios de sector rural que se dedican a las actividades agricolas y/o pecuarias en pequena escala, las cuotas se adaptan al flujo de caja de la unidad familiar.
Any purpose Income generation x Mortgage/housing Consumer loan Agriculture Education Other household finance Other Usar solo para capital de trabajo Other (2)
Credit education Group meetings Credit insurance x Workplace visits x Business training Other training Other Other (2) No other services
Men x Women x Must run a business Must own a home or land Must be a salaried worker Must be specific age group Other Other (2)
Portfolio Size by Product
Geographic Coverage
# Regions for this institution N/A # Regions for this product N/A Regions Active
Loan Conditions
Currency USD Minimum loan size USD 100 Maximum loan size 15,000
Shortest loan term 1.0 month Longest loan term 48.0 months Approx average 18.0 months
Daily Weekly Every 2 weeks Every 4 weeks Monthly x Every 2 months Quarterly Every 6 months Every 12 months Single end payment Irregular payments
Pricing Information
Interest
Lowest quoted nominal interest 20.05% Highest quoted nominal interest 25.00% Reason(s) why interest rate varies Loan Size Interest rate period Yearly Interest Rate Calculation Method Decl Bal Subsidized by funder request? Is rate fixed for entire loan term Yes
Upfront Fees Fee 1 Fee 2 Description Seguro de Desgravamen Seguro de Vida y Seguro de Accidentes Personales (prima anual) % of loan amount - min 4.00% 0 % of loan amount - max 4.00% 0 OR, Fixed amount - min 0 12 Fixed amount - max 0 12 Reason for variation N/A Appears on Repayment Sched? No 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
Required for All Criteria N/A Is deposit indicated on the repayment schedule? Yes Do borrowers control deposit in their group? Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited 6.70% or, Fixed-amount deposited 0
Deposits DURING period payments
% loan amount deposited 0 or, Fixed-amount deposited 0 Conditions on access to deposit Access During
Interest Paid on Deposit
Minimum interest rate paid 4.00% Maximum interest rate paid 4.00% Interest payment frequency Monthly
Taxes
Are taxes charged on this product? No
Additional Comments
Ahorros contínuous: este valor está a disposición del socio, lo que nosotros pretendemos poniéndolo en la tabla de amortización es generar en el socio un hábito de ahorro, pero si el socio no ahorra no tiene ninguna incidencia en el crédito.
Microagropecuario Price Graphs
0 100 Pricing Transparency Index Regulated Inst. Not Regulated Inst. Coop Institution Type Business Loan Purpose COAC SantaAnita Institution EC-020-V01-P04 Product EC Country 2010 Year Range Number 1 Institution Data Version 0 2,000 4,000 6,000 8,000 10,000 Loan Size (all) 0% 10% 20% 30% Full APR (int fee ins tax dep) > 100 60 7 Number of Borrowers* * Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.