2. DSPI
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Institution

Daan sa Pag-Unlad, Inc. 17 Gallardo St.CataningBalanga City, Bataan2100
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established1995
Head of InstitutionSusan Layug
Regions active
# Branches14

Total Portfolio (nat'l)PhP 153,670,019
Total Portfolio (USD)USD 3,676,316.24
Active clients with loans59,311
Approximate % female clients60% - 80%
Approximate % urban clients80% - 100%
Network affiliationsAPPEND
Funders

Loan Products » Summary

Agriculture
131 Borrowers
USD 105,263.16 Portfolio
Active Product
Group
58,881 Borrowers
USD 3,498,849.28 Portfolio
Active Product
Individual
288 Borrowers
USD 72,200.96 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan PHP 10,000 - 150,000 6 0% - 20% 0% - 20% Business Women, Men, Involved in palay production Credit Ins, Formation Program, Provision of Social Services (medical mission, etc.)
Group Loan PHP 5,000 - 50,000 6 80% - 100% 80% - 100% Business Women, Men, Have business Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Formation Program, Provision of Social Services (medical mission, etc.)
Individual Loan PHP 10,000 - 150,000 6 80% - 100% 80% - 100% Business Women, Men, Have business Credit Ins, Business Training, Formation Program, Provision of Social Services (medical mission, etc.)

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 32.0% annual, Flat 1 Fee 2 Ins None 5.00% ongoing 41.3% - 43.1% 52.2% - 71.4% 51
Group Loan 32.0% annual, Flat 2 Fees 1 Ins None 5.0% upfront 50.00 ongoing 83.1% 101% - 122.1% 29
Individual Loan 32.0% annual, Flat 2 Fees 1 Ins None 5.0% upfront 50.00 ongoing 81.4% - 88.1% 93.9% - 137.1% 29
Institution Price Graph
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  2. EMPRENDER
Please note that the information you are viewing is 171 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: 171 months

Product

Bancos de Emprendimiento Bolivianos Product 1 of 3 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 10,155,070.37
Portfolio (USD)USD 1,504,454.87
Active Clients with Loans5,755
Approximate % Female Clients80% - 100%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Los Bancos de Emprendimiento, son créditos destinados a agrupaciones de personas que se asocian por la necesidad e interés en comàºn de contar con un crédito, ahorro y capacitación, para emprender un negocio o desarrollarlo.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other trainingx
OtherSalud
Other (2)Liderazgo
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
OtherMujeres deben ser alrededor de un 80%
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
CurrencyBOB
Minimum loan sizeBOB 400
Maximum loan size5,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term10.0 months
Approx average6.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeksx
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.80%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesLoan Size, Client Risk
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCargos administrativos por trámite desembolso
% of loan amount - min0
% of loan amount - max2.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
Ongoing Fees
Fee 1
DescriptionCargos administrativos y Formularios
% of loan amount - min0
% of loan amount - max1.20%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited20.00%
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid1.20%
Maximum interest rate paid1.20%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
Los ahorros internos pueden ser retirados para los préstamos internos a cargos de las socias de la Banca Comunal

Full Pricing Data

Bancos de Emprendimiento Bolivianos samples
Sample 1Sample 2Sample 3
Loan AmountBOB 2,051.28BOB 2,051.28BOB 2,564.10
Loan Cycle (1, 2, 3, etc)112
Disbursement Date2010-06-122010-06-092010-06-24
Loan Term (Months)4.7 months8.0 months5.6 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 Component62.0%57.9%59.9%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component8.4%7.6%7.7%
Full APR (int fee ins tax dep)70.4%65.6%67.5%
Transparency Index485150
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Bancos de Emprendimiento Bolivianos Price Graphs


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