2. CIDRE
Please note that the information you are viewing is 136 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 # 1674Cochabamba, Cercado28034
Data approved: 2010-10-28
Data version: 1
Age of data: -   months 
Choose version

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.cidre.org.bo/
Year established1981
Head of InstitutionAlvaro Moscoso Blanco
Regions active0
# Branches11

Total Portfolio (nat'l)BOB 100,003,465.30
Total Portfolio (USD)USD 14,599,046.03
Active clients with loans3,488
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsFINRURAL
FundersBanco Interamericano de Desarrollo (BID), KIVA, Oikocredit, Babco de Desarrollo Productivo (BDP S.A.M.)

Loan Products » Summary

Consumo BOB
54 Borrowers
USD 93,135.15 Portfolio
Active Product
Consumo USD
113 Borrowers
USD 301,014.41 Portfolio
Active Product
Vivienda USD
91 Borrowers
USD 755,374.25 Portfolio
Active Product
Comercio BOB
72 Borrowers
USD 213,076.20 Portfolio
Active Product
Comercio USD
432 Borrowers
USD 2,816,538.67 Portfolio
Active Product
Product BOB
176 Borrowers
USD 504,708.36 Portfolio
Active Product
Product USD
2,270 Borrowers
USD 9,642,380.14 Portfolio
Active Product
Vivienda BOB
4 Borrowers
USD 36,054.21 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credito de Consumo (BOB) BOB 1,414 - 70,700 12 - 60 0% - 20% 0% - 20% Any Purpose Women, Men, Capcidad de pago Credit Ins
Credito de Consumo (USD) USD 200 - 10,000 12 - 60 0% - 20% 0% - 20% Any Purpose Women, Men, Capacidad de pago Credit Ins
Credito Hipotecaria (USD) USD 1,000 - 43,000 12 - 84 0% - 20% 0% - 20% Housing Women, Men, Capacidad de pago Credit Ins
Microcredito para Comercio y Servicios (BOB) BOB 1,414 - 70,700 6 - 60 20% - 40% 20% - 40% Business, Para actividades de comercio y servicios Women, Men, Have business, Debe tener capacidad de pago Credit Ins
Microcredito para Comercio y Servicios (USD) USD 200 - 10,000 6 - 60 0% - 20% 0% - 20% Business Women, Men, Have business, Capcidad de pago Credit Ins, Business Training
Microcredito Productivo (BOB) BOB 1,414 - 70,700 6 - 60 40% - 60% 0% - 20% Business Women, Men, Have business, Debe tener capacidad de pago. Credit Ins
Microcredito Productivo (USD) USD 200 - 10,000 6 - 60 60% - 80% 0% - 20% Business Women, Men, Have business, Capacidad de pago Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito de Consumo (BOB) 25.0%-28.0% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A
Credito de Consumo (USD) 23.0%-26.0% annual, Decl Bal 1 Fee 0 Ins 15.00% Principal N/A 0% 0% N/A
Credito Hipotecaria (USD) 18.0% annual, Decl Bal 1 Fee 0 Ins 15.00% Principal N/A 0% 0% N/A
Microcredito para Comercio y Servicios (BOB) 24.0%-28.0% annual, Decl Bal 0 Fees 1 Ins None N/A 0% 0% N/A
Microcredito para Comercio y Servicios (USD) 22.0%-26.0% annual, Decl Bal 0 Fees 1 Ins 15.00% interest N/A 0% 0% N/A
Microcredito Productivo (BOB) 20.0%-22.0% annual, Decl Bal 0 Fees 1 Ins None N/A 0% 0% N/A
Microcredito Productivo (USD) 18.0%-20.5% annual, Decl Bal 0 Fees 1 Ins 15.00% Principal N/A 0% 0% N/A
Institution Price Graph
Microloan Products offered in BOB0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeAnyBusinessLoan PurposeCIDREInstitutionBO-006-V01-P01BO-006-V01-P05BO-006-V01-P07ProductBOCountry2010YearRange Number1Institution Data Version020,00040,00060,000Loan Size (all)0%10%20%Full APR (int fee ins tax dep)> 40202Number 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.
Microloan Products offered in USD0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeAnyBusinessHousingLoan PurposeCIDREInstitutionBO-006-V01-P02BO-006-V01-P04BO-006-V01-P06BO-006-V01-P08ProductBOCountry2010YearRange Number1Institution Data Version05,00010,00015,00020,000Loan Size (all)0%5%10%15%20%25%Full APR (int fee ins tax dep)> 50020030Number 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.
Click to view Price Analysis Tool
  2. OFMPC
Please note that the information you are viewing is 164 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Omaganhan Farmers Agrarian Reform Cooperative OmaganhanTabango, Leyte6536
Data approved: 2011-11-28
Data version: 1
Age of data: 164 months

Product

SUMMED (Scaling Up Micro-Finance Management and Entrepreneurial Development) Product 1 of 1 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 40,300,000
Portfolio (USD)USD 964,114.83
Active Clients with Loans4,480
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Short term loans extended to members with small businesses
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 1,000
Maximum loan size150,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0.3 months
Repayment Frequency
Dailyx
Weeklyx
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 variesLoan Size
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService ChargeFiling Fee
% of loan amount - min3.00%0
% of loan amount - max3.00%0
OR, Fixed amount - min010
Fixed amount - max020
Reason for variationN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Insurance
% of loan amount - min0.13%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
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?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited4.00%
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid2.75%
Maximum interest rate paid2.75%
Interest payment frequencyQuarterly
Taxes
Are taxes charged on this product?No
Additional Comments
Quarterly payment of interest. The Coop collects both savings and CBU. CBU is non-withdrawable and will be used for dividends at the end of the year. Annually, the Coop also collects P2 as miscellaneous fee to cover office supplies and other administrative expenses

Full Pricing Data

SUMMED (Scaling Up Micro-Finance Management and Entrepreneurial Development) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountPHP 3,000PHP 8,000PHP 15,000PHP 30,000PHP 60,000PHP 90,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2009-08-042011-09-162011-07-222011-04-282011-06-092009-02-05
Loan Term (Months)6.1 months6.1 months6.0 months6.0 months7.9 months8.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component100.9%98.3%82.3%88.6%97.1%83.3%
Insurance Component5.0%4.8%4.1%4.4%4.8%4.2%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component15.5%15.7%1.9%4.8%3.7%2.3%
Full APR (int fee ins tax dep)121.4%118.8%88.4%97.8%105.6%89.7%
Transparency Index303041373440
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
SUMMED (Scaling Up Micro-Finance Management and Entrepreneurial Development) Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoopInstitution TypeBusinessLoan PurposeOFMPCInstitutionPH-032-V01-P01ProductPHCountry2011YearRange Number1Institution Data Version020,00040,00060,00080,000Loan Size (all)0%50%100%Full APR (int fee ins tax dep)> 80040050Number 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.
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 ∞