2. CIDRE
Please note that the information you are viewing is 134 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Hluvuku-ADSEMA
Please note that the information you are viewing is 145 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

CIDRE Calle Juan de la Cruz Torrez N° 1674, CercadoCochabamba, Bolivia28034
Data approved: 2013-08-02
Data version: 2
Age of data: 134 months
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Institution

Hluvuku-Associacao de Desenvolvimeto Socio-Economio De Matutuine Rua Principal, Bela Vista Parcela 33Bela Vista, Maputo
Data approved: 2013-05-09
Data version: 2
Age of data: 145 months
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Product

Microcredito para Comercio y Servicios (BOB) Product 5 of 8 « Prev | Next »

Product

Comercio & Servicos Product 1 of 3 « Prev | Next »

Product Summary

Number borrowers1,704
Loan Amount (range)BOB 3,000 - 890,000
Loan Term (range)6 - 60
Other Services (text summary)Credit Ins
Annual Interest & Method18.0%-26.0% annual, Decl Bal
FeesNone
Insurance0.30%-3.00% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component16.1% - 26.7%
Fee Component0 - 1.0%
Insurance Component0 - 1.1%
Tax Component Range0 - 0.2%
Full APR (int fee ins tax dep)20.9% - 26.0%
Transparency Index (min/max)59 - 97
Transparency Index (average)76

Product Summary

1,866
MZN 1,500 - 350,000
4 - 18
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
55.2% annual, Decl Bal
50.00-900.00 upfront
1.50% upfront
None
N/A
 
30.1% - 53.3%
0.1% - 0.8%
2.0% - 2.2%
0
52.1% - 55.8%
94 - 110
100

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 55,974,138
Portfolio (USD)USD 8,292,464.89
Active Clients with Loans1,704
Approximate % Female Clients20% - 40%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Crédito destinado a satisfacer las necesidades de capital de trabajo o capital de inversiones de agricultores, microempresarios o trabajadores por cuenta propia, desde US$ 200 hasta US$ 10.000.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherPara actividades de comercio y servicios
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
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 group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution7
# Regions for this product7
Regions ActiveChuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 26,994,560.29
Portfolio (USD)USD 887,978.96
Active Clients with Loans1,866
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Para pequenos agricultores,pescadores,os clientes podem receber servicos complementares sobre a planificacao do negocio
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
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
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product1
Regions ActiveMaputo Province

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 3,000
Maximum loan size890,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,00015%
BOB 10,000-40,00020%
BOB 40,000-70,00030%
BOB 70,000-100,00015%
BOB 100,000-125,00010%
Greater than BOB 125,00010%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term60.0 months
Approx average48.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months10%
Between 10 and 12 months15%
Between 13 and 18 months20%
Longer than 18 months50%
Grace Period
Grace period usage10%
Average grace period4.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 monthsx
Single end paymentx
Irregular paymentsx

Loan Conditions

Loan Amount
CurrencyMZN
Minimum loan sizeMZN 1,500
Maximum loan size350,000
Distribution at Disbursement (Est.)
Loans less than MZN 5,0005%
MZN 5,000-10,0005%
MZN 10,000-20,00020%
MZN 20,000-40,00040%
MZN 40,000-60,00015%
Greater than MZN 60,00015%
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term18.0 months
Approx average8.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
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 interest18.00%
Highest quoted nominal interest26.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termNo
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
Ins 1
DescriptionSeguro de Desgravamen
% of loan amount - min0.30%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationEl costo es de 0.05% mensual, con cargo sólo en el saldo de capital pendiente del préstamo.
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest4.60%
Highest quoted nominal interest4.60%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionTaxa de Inscrição
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min50
Fixed amount - max900
Reason for variationos creditos maiores de 50.000,00 MZN pagam a taxa de inscricao de 0.15% em do emprestimo
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionSeguro para cubrir morte do cliente
% of loan amount - min1.50%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Microcredito para Comercio y Servicios (BOB) samples
Sample 1Sample 2Sample 3
Loan AmountBOB 7,000BOB 42,000BOB 100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-05-152013-10-102013-09-30
Loan Term (Months)9.0 months18.0 months37.0 months
Grace Period (Months)0.0 months0.1 months0.0 months
Total Cost of CreditBOB 710.52BOB 9,794.33BOB 32,493.39
True Price by Comp     
Interest price component23.4%25.4%20.4%
Fee Component0.0%0.0%0.0%
Insurance Component0.5%0.6%0.5%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)23.9%26.0%20.9%
Transparency Index756986
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Comercio & Servicos samples
Sample 3Sample 4Sample 5
Loan AmountMZN 11,000MZN 15,000MZN 30,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-03-142013-04-232013-04-02
Loan Term (Months)18.0 months18.0 months18.0 months
Grace Period (Months)0.1 months0.0 months0.0 months
Total Cost of CreditMZN 5,313.36MZN 6,946.19MZN 15,036.72
True Price by Comp     
Interest price component50.9%49.5%53.3%
Fee Component0.6%0.5%0.3%
Insurance Component2.2%2.1%2.2%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)53.7%52.1%55.8%
Transparency Index10010099
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Microcredito para Comercio y Servicios (BOB) Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeCIDREInstitutionBO-006-V02-P05ProductBOCountry2013YearRange Number2Institution Data Version020,00040,00060,00080,000100,000Loan Size (all)0%10%20%Full APR (int fee ins tax dep)> 100809Number of Borrowers
Click to view Price Analysis Tool
Comercio & Servicos Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeHluvuku-ADSEMAInstitutionMZ-010-V02-P01ProductMZCountry2013YearRange Number2Institution Data Version05,00010,00015,00020,00025,00030,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 70030040Number of Borrowers
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
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