2. FONDECO
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  2. CooP VPR
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Institution

FONDECO Calle Pico de Monte # 121Santa Cruz de la Sierra, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: -   months 
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Institution

Cooperativa de Ahorro y Crédito Padre Vicente Ponce 10 de Agosto y Olmedo, Edif. Episcopal 3er. PisoTulcán, Carchi
Data approved: 2011-10-11
Data version: 1
Age of data: 175 months

Product

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Product

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Product Summary

Number borrowers9,147
Loan Amount (range)BOB 500 - 10,000
Loan Term (range)6 - 12
Other Services (text summary)Group Mtgs, Credit Ins, Other Training, Adiestramiento sobre la tecnología de banca comunal y el manejo del crédito
Annual Interest & Method28.0%-32.0% annual, Decl Bal
Fees2.00% upfront
InsuranceNone
TaxNone
Comp Dep10.0% upfront 15.00% ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component0 (Int+Fee)
Insurance Component0 - 0.5%
Tax Component Range0 - 0.2%
Full APR (int fee ins tax dep)0
Transparency Index (min/max)0 - N/A
Transparency Index (average)N/A

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 16,669,233
Portfolio (USD)USD 2,433,464.67
Active Clients with Loans9,147
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Créditos a grupos de mujeres organizados desde 10 a 30 personas, garant;ias solidarias y mancomunadas, disponibilidad de ahorros al final del ciclo, ciclos y plazos adecuados a sus actividades.
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 training
Other trainingx
OtherAdiestramiento sobre la tecnología de banca comunal y el manejo del crédito
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
OtherCada grupo deber estar compuesto por al menos 75% de mujeres
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details


This product either has less than 50 active borrowers or less than 10 loan disbursements over the past 9 months. MFTransparency presents basic data rather than full data for low volume products
Key Statistics
Outstanding portfolio (USD)USD 18,923
Portfolio (USD)USD 18,923
Active Clients with Loans12
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Description
Permite atender calamidades domésticas, referentes a accidentes o problemas de salud, previa presentación de un certificado del médico tratante.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household financex
Other
Other (2)
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 institution1
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 500
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average8.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeksx
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest28.00%
Highest quoted nominal interest32.00%
Reason(s) why interest rate variesTime as Client, Nàºmero de participantes en cada grupo
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionComisio por gastos administrativos
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
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
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 deposited10.00% - N/A
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited15.00% - N/A
or, Fixed-amount deposited0
Conditions on access to deposit
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Fondos Comunales samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountBOB 3,000BOB 3,000BOB 7,000BOB 7,000
Loan Cycle (1, 2, 3, etc)144711
Disbursement Date2010-08-192010-08-262010-09-292010-09-17
Loan Term (Months)11.2 months7.5 months9.3 months9.3 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component31.0%36.5%29.9%33.3%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component6.6%8.7%6.2%6.8%
Full APR (int fee ins tax dep)37.7%45.1%36.1%40.0%
Transparency Index74627870
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Fondos Comunales Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeAnyLoan PurposeFONDECOInstitutionBO-015-V01-P01ProductBOCountry2010YearRange Number1Institution Data Version02,0004,0006,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 4,5003,4002,2001,100100Number 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.
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Key Statistics
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# 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:
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