2. ProCredit
Please note that the information you are viewing is 165 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Maata-N-Tudu
Please note that the information you are viewing is 133 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Banco Los Andes ProCredit S.A. Av. Cristo Redentor No. 3730 entre 4 y 5 anilloSanta Cruz de la Sierra, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: 165 months

Institution

Maata-N-Tudu Association Head OfficeTamale, NorthernP.O. Box 1015
Data approved: 2013-02-13
Data version: 2
Age of data: 133 months
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Product

Crédito con garantía de títulos valor Product 1 of 8 « Prev | Next »

Product

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Product Summary

Number borrowers1,104
Loan Amount (range)BOB 250 - 135,000
Loan Term (range)0.9 - 60
Other Services (text summary)Credit Ins
Annual Interest & Method4.3%-25.0% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component7.2% - 15.1% (Int+Fee)
Insurance Component0
Tax Component Range0.0% - 0.9%
Full APR (int fee ins tax dep)7.2% - 15.1%
Transparency Index (min/max)16 - 83
Transparency Index (average)42

Product Summary

2,620
GHS 50 - 1,000
9
Credit Educ, Group Mtgs, Credit Ins
36.00% annual, Flat
2 upfront
None
None
20.00% upfront
 
37.8% - 50.5%
0.4% - 5.8%
0
0
59.3% - 60.5%
47 - 80
60

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 8,495,508
Portfolio (USD)USD 1,258,593.78
Active Clients with Loans1,104
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
El crédito con garantía de Títulos Valor Negociables en la Bolsa de Valores tiene como\robjetivo proporcionar liquidez a personas o instituciones que no puedan o no quieran cancelar\ranticipadamente sus depósitos.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
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 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 (GHS)GHS 589,500
Portfolio (USD)USD 299,238.58
Active Clients with Loans2,620
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Given to clients using loan for rice processing, pito brewing, handicraft production, and shea butter production. The loan term is nine months, with a three-month grace period and six equal monthly installments.
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 visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Men
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 institution3
# Regions for this product3
Regions ActiveNorthern Region, Upper East Region, Upper West Region

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 250
Maximum loan size135,000
Loan Term and Grace Period
Shortest loan term0.9 months
Longest loan term60.0 months
Approx average14.6 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end paymentx
Irregular paymentsx

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 50
Maximum loan size1,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,000100%
GHS 1,000-5,0000
GHS 5,000-7,5000
GHS 7,500-10,0000
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term9.0 months
Longest loan term9.0 months
Approx average9.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months100%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
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

Pricing Information

Interest
Lowest quoted nominal interest4.34%
Highest quoted nominal interest24.96%
Reason(s) why interest rate variesLoan Size, Collateral
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 interest3.00%
Highest quoted nominal interest3.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionMembership dues
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min2
Fixed amount - max2
Reason for variation1st cycle loans= 4 GHS. Multiple cycle loans= 2 GHS
Appears on Repayment Sched?No
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?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
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

Crédito con garantía de títulos valor samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountBOB 3,000BOB 6,300BOB 14,700BOB 27,500BOB 53,000BOB 81,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-06-172010-06-242010-06-282010-06-232010-06-162010-05-05
Loan Term (Months)2.8 months6.0 months12.0 months12.0 months6.0 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 Component12.9%12.2%15.1%8.8%7.2%9.4%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)12.9%12.2%15.1%8.8%7.2%9.4%
Transparency Index343629496046
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Agro Processing Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountGHS 300GHS 400GHS 850GHS 900
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-01-182013-01-182013-01-182013-01-18
Loan Term (Months)9.0 months9.0 months9.0 months9.0 months
Grace Period (Months)3.0 months3.0 months3.0 months3.0 months
Total Cost of CreditGHS 83GHS 110GHS 231.50GHS 245
True Price by Comp       
Interest price component44.8%44.8%44.8%44.8%
Fee Component1.2%0.9%0.4%0.4%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component14.5%14.3%14.1%14.1%
Full APR (int fee ins tax dep)60.5%60.0%59.3%59.3%
Transparency Index60606161
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Crédito con garantía de títulos valor Price Graphs


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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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