2. DECSI
Please note that the information you are viewing is 162 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Banco Agrario
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

Dedebit Credit and Savings Institution Head OfficeMekelePO Box 1074
Data approved: 2011-12-23
Data version: 1
Age of data: 162 months

Institution

Banco Agrario De Colombia S.A Carrera 8 No. 15-43Bogotà D.C, Cundomarca57
Data approved: 2011-03-15
Data version: 1
Age of data: 171 months

Product

Housing Loan Product 5 of 8 « Prev | Next »

Product

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Product Summary

Number borrowers5,300
Loan Amount (range)ETB 15,000 - 5,000,000
Loan Term (range)12 - 60
Other Services (text summary)Credit Educ
Annual Interest & Method9.9% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component10.3% - 11.0% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)10.3% - 11.0%
Transparency Index (min/max)70 - 185
Transparency Index (average)92

Product Summary

3,317
COP 3,600,000 - 12,750,000
3 - 6
Credit Educ, Group Mtgs, Business Training
29.6% annual, Decl Bal
4.50%-7.50% ongoing
0.27%-0.35% ongoing
None
10.0% upfront 10.00% ongoing
 
N/A
36.8% - 50.2% (Int+Fee)
0.6% - 6.3%
0
48.1% - 69.7%
42 - 66
49

Product Details

Key Statistics
Outstanding portfolio (ETB)ETB 151,000,000
Portfolio (USD)USD 8,206,521.74
Active Clients with Loans5,300
Approximate % Female Clients20% - 40%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This loan is for the construction, renovation or for purchasing a house.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business training
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

Product Details

Key Statistics
Outstanding portfolio (COP)COP 333,142,977
Portfolio (USD)USD 183,045.59
Active Clients with Loans3,317
Approximate % Female Clients60% - 80%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Metodología de Banca Comunal, se atienden grupos de microempresarios de estratos 0 y 1, que por sus condiciones requieren de montos de créditos bajos a plazos muy cortos y de condiciones crediticias ajustadas a su situación actual.
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 insurance
Workplace visits
Business trainingx
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyETB
Minimum loan sizeETB 15,000
Maximum loan size5,000,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term60.0 months
Approx average60.0 months
Grace Period
Grace period usage100%
Average grace period3.0 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

Loan Conditions

Loan Amount
CurrencyCOP
Minimum loan sizeCOP 3,600,000
Maximum loan size12,750,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term6.0 months
Approx average4.3 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest9.90%
Highest quoted nominal interest9.90%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
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
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

Pricing Information

Interest
Lowest quoted nominal interest29.56%
Highest quoted nominal interest29.56%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionMIPYME (porcentaje anual)
% of loan amount - min4.50%
% of loan amount - max7.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro Vida Deudor
% of loan amount - min0.27%
% of loan amount - max0.35%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited10.00%
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid1.00%
Maximum interest rate paid1.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Housing Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountETB 20,000ETB 20,000ETB 20,000ETB 30,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-04-122011-04-042011-04-112011-04-07
Loan Term (Months)60.0 months60.0 months60.0 months60.0 months
Grace Period (Months)3.0 months3.0 months3.0 months3.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component10.3%11.0%10.9%10.9%
Insurance Component0.0%0.0%0.0%0.0%
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)10.3%11.0%10.9%10.9%
Transparency Index96909191
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Linea de Nucleos Solidarios samples
Sample 1Sample 2Sample 3
Loan AmountCOP 3,120,000COP 3,600,000COP 6,888,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-04-262011-04-292011-04-07
Loan Term (Months)2.1 months2.8 months4.2 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component46.0%50.2%36.8%
Insurance Component2.8%2.7%0.8%
Tax Component0.0%0.0%0.0%
Deposit Component15.0%16.8%10.5%
Full APR (int fee ins tax dep)63.7%69.7%48.1%
Transparency Index464261
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Housing Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeHousingLoan PurposeDECSIInstitutionET-004-V01-P05ProductETCountry2011YearRange Number1Institution Data Version05,00010,00015,00020,00025,00030,000Loan Size (all)0%5%10%Full APR (int fee ins tax dep)> 1,00070050020020Number 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
Linea de Nucleos Solidarios Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankInstitution TypeBusinessLoan PurposeBanco AgrarioInstitutionCO-002-V01-P02ProductCOCountry2011YearRange Number1Institution Data Version02,000,0004,000,0006,000,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 1,6001,20080040040Number 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
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