Outstanding portfolio (UGX) | UGX 577,056,912 |
Portfolio (USD) | USD 228,537.39 |
Active Clients with Loans | 573 |
Approximate % Female Clients | 20% - 40% |
Approximate % Urban Clients | 20% - 40% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | |
Mortgage/housing | x |
Consumer loan | x |
Agriculture | |
Education | x |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | |
Workplace visits | x |
Business training | x |
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 | x |
Must be specific age group | x |
Other | |
Other (2) |
# Regions for this institution | 1 |
# Regions for this product | 1 |
Regions Active | Western |
Currency | UGX |
Minimum loan size | UGX 250,000 |
Maximum loan size | 10,000,000 |
Loans less than UGX 1,000,000 | 20% |
UGX 1,000,000-5,000,000 | 30% |
UGX 5,000,000-7,500,000 | 30% |
UGX 7,500,000-10,000,000 | 20% |
UGX 10,000,000-13,000,000 | 0 |
Greater than UGX 13,000,000 | 0 |
Shortest loan term | 6.0 months |
Longest loan term | 12.0 months |
Approx average | 8.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 40% |
Between 7 and 9 months | 40% |
Between 10 and 12 months | 20% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | x |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 2.80% |
Highest quoted nominal interest | 2.80% |
Interest rate period | Monthly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Application Fee |
% of loan amount - min | 2.00% |
% of loan amount - max | 2.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Ins 1 | |
---|---|
Description | Life Insurance |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 20,000 |
Fixed amount - max | 20,000 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
---|---|---|---|---|---|---|---|---|---|---|---|
Loan Amount | UGX 800,000 | UGX 1,000,000 | UGX 1,500,000 | UGX 3,200,000 | UGX 4,500,000 | UGX 10,000,000 | |||||
Loan Cycle (1, 2, 3, etc) | 2 | 3 | 1 | 2 | 4 | 7 | |||||
Disbursement Date | 2012-07-04 | 2012-07-10 | 2012-07-26 | 2012-07-19 | 2012-08-30 | 2012-07-13 | |||||
Loan Term (Months) | 11.0 months | 13.0 months | 25.0 months | 38.0 months | 38.0 months | 25.0 months | |||||
Grace Period (Months) | 2.1 months | 2.1 months | 2.1 months | 2.1 months | 2.0 months | 2.1 months | |||||
Total Cost of Credit | UGX 214,660 | UGX 300,240 | UGX 794,492 | UGX 2,505,016 | UGX 3,514,556 | UGX 5,183,256 | |||||
True Price by Comp | |||||||||||
Interest price component | 37.1% | 37.1% | 37.2% | 37.3% | 37.4% | 37.2% | |||||
Fee Component | 3.9% | 3.4% | 2.0% | 1.5% | 1.5% | 2.0% | |||||
Insurance Component | 4.8% | 3.4% | 1.3% | 0.4% | 0.4% | 0.2% | |||||
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) | 45.8% | 43.9% | 40.5% | 39.2% | 39.3% | 39.4% | |||||
Transparency Index | 73 | 77 | 83 | 86 | 86 | 85 | |||||
Original Repayment Schedule | |||||||||||
MFT Pricing Calculation |
Institution Type | Other |
Is this institution regulated? | Yes |
Website address | http://www.losandesprocredit.com.bo/ |
Year established | 1995 |
Head of Institution | Pablo Alberto González López |
Regions active | |
# Branches | 62 |
Total Portfolio (nat'l) | BOB 2,650,421,275 |
Total Portfolio (USD) | USD 392,655,003.70 |
Active clients with loans | 83,776 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 80% - 100% |
Network affiliations | ASOFIN, ASOBAN |
Funders | ProCredit Holding AG, Helen Alexander, Gabriel Schor, Mariano Larena |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito con garantÃa de tÃtulos valor | BOB 250 - 135,000 | 0.9 - 60 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men | Credit Ins | |||||||
Crédito con garantÃa de tÃtulos valor ME | USD 100 - 125,000 | 1.3 - 45.3 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men | Credit Ins | |||||||
Crédito Empresarial ME | USD 100 - 1,050,000 | 4.9 - 60.9 | 40% - 60% | 0% - 20% | Any Purpose | Women, Men, Have business, No ser parte del dirctorio ni ser ejecutivo del Banco, Debe tener por lo menos 1 año de experiencia en el negocio que lleva adelante | Credit Ins, Business Training | |||||||
Crédito Empresarial MN | BOB 480 - 3,485,000 | 1 - 303.4 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men, Have business, No ser parte del dirctorio ni ser ejecutivo del Ba, Debe tener por lo menos 1 año de experiencia en el | Credit Ins, Business Training | |||||||
Creditos para Asalariados ME | USD 200 - 15,000 | 4 - 121 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men, Salaried worker, Debe ser propietario de inmueble o presentar un garante personal | Credit Ins | |||||||
Creditos para Asalariados MN | BOB 601 - 70,000 | 1.4 - 61.4 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men, Salaried worker, Debe ser propietario de inmueble o presentar un garante personal | Credit Ins | |||||||
Creditos para Vivienda ME | USD 242 - 20,000 | 2 - 143 | 40% - 60% | 80% - 100% | Housing, Para Compra y construccion de vivienda, Para compra de terreno | Women, Men, Have business, Salaried worker | Credit Ins | |||||||
Creditos para Vivienda MN | BOB 800 - 140,000 | 4 - 145 | 40% - 60% | 80% - 100% | Housing, Compra o construción de Vivienda, Compra de Terreno | Women, Men, Have business | Credit Ins |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito con garantÃa de tÃtulos valor | 4.3%-25.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 7.2% - 15.1% | 7.2% - 15.1% | 42 | ||||||||
Crédito con garantÃa de tÃtulos valor ME | 5.0%-22.0% annual, Decl Bal | 0 Fees | 0 Ins | 15.00% Principal | N/A | 7.1% - 14.8% | 7.9% - 14.7% | 53 | ||||||||
Crédito Empresarial ME | 5.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | 15.00% Principal | N/A | 16.2% - 31.1% | 16.3% - 31.2% | 22 | ||||||||
Crédito Empresarial MN | 8.5%-38.6% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 15.3% - 27.5% | 15.3% - 27.5% | 41 | ||||||||
Creditos para Asalariados ME | 6.4%-33.0% annual, Decl Bal | 0 Fees | 0 Ins | 15.00% Principal | N/A | 7.5% - 22.4% | 7.6% - 22.6% | 48 | ||||||||
Creditos para Asalariados MN | 6.6%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 16.2% - 28.4% | 16.2% - 28.4% | 28 | ||||||||
Creditos para Vivienda ME | 7.4%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | 15.00% Principal | N/A | 15.8% - 23.6% | 16% - 24% | 39 | ||||||||
Creditos para Vivienda MN | 7.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 17.2% - 30.5% | 17.2% - 30.5% | 31 |
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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
---|---|---|---|---|---|---|---|
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 | ||||||
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
From 0 to | ||||||
to | ||||||
to | ||||||
to ∞ |