Institution # Borrowers Portfolio (US$) Products Age of Data
Banco Solidario79,700221,716,0001175
CEPESIU2,000939,0004175
COAC 4 Octubre2,2005,771,0002175
COAC Ambato1,30016,415,0002175
COAC FondVida2,5004,200,0004175
COAC LaBenefica2,5008,482,0006175
COAC MCCH5,30010,020,0002175
COAC Nacional30,70027,129,0002175
COAC San José10,40029,133,0005175
COAC SanAntonio1,0002,384,0003175
COAC SantaAnita2,0002,532,0006175
Codesarrollo14,40040,328,0007175
Coop San Miguel1,8004,754,0005172
CooP VPR7001,052,0004175
Cooprogreso7,90032,244,0004175
Credi Fe100,900380,039,0004175
D^Miro36,90027,692,0009168
DECOF2,200705,0002175
Espoir62,10021,036,0005175
FODEMI28,20012,924,0003175
Fundacion Alternativa4,3005,545,0002175
FUNDAMIC2,0001,468,0002175
INSOTEC7,0006,047,0004175
Luz del Valle6,40011,300,0003175
ProCredit43,800211,941,0002175
PS Ambato5,6002,771,0001175
  2. Interactuar
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

Interactuar Cra 45 # 26-175 Bello AntioquiaCra 49 # 44-94 Medellín AntioquiaMedellín, Antioquia
Data approved: 2011-08-01
Data version: 1
Age of data: 171 months

Product

Microcrédito Product 2 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (COP)COP 54,541,962,404
Portfolio (USD)USD 29,968,111.21
Active Clients with Loans28,169
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Microcrédito productivo para apalancar necesidades de capital de trabajo o activo fijo de las microempresas
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyCOP
Minimum loan sizeCOP 300,000
Maximum loan size12,800,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term24.0 months
Approx average21.0 months
Grace Period
Grace period usage10%
Average grace period6.0 months
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 interest2.42%
Highest quoted nominal interest2.63%
Reason(s) why interest rate variesPor las variaciones del DTF que fondean la operación
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLey Mipyme Evaluacio del credito
% of loan amount - min8.00%
% of loan amount - max8.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
Ongoing Fees
Fee 1
DescriptionLey Mipyme Administracio del credito comisio * Monto credito y se cobra en cada cuota
% of loan amount - min13.00%
% of loan amount - max13.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
Ins 1
DescriptionSeguro de Vida +0,0003*monto*plazo anticipado al momento del desembolso
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
Ins 1
DescriptionSeguro Patrimonial AIG $ 618*millo asegurado y se cobra en cada cuota
% of loan amount - min0.62%
% of loan amount - max0.62%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
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

Full Pricing Data

Microcrédito samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountCOP 3,500,000COP 7,448,218COP 13,000,000COP 15,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-05-022011-05-032011-05-062011-05-03
Loan Term (Months)24.0 months36.0 months12.0 months12.0 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 Component36.8%36.9%36.7%36.6%
Insurance Component2.5%0.9%2.2%2.4%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)39.3%37.8%38.8%39.0%
Transparency Index74777574
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Microcrédito Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeInteractuarInstitutionCO-026-V01-P02ProductCOCountry2011YearRange Number1Institution Data Version05,000,00010,000,00015,000,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 14,00010,0007,0003,500300Number 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
# 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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