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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: 117 months

Product

Crédito Empresarial ME Product 3 of 8 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (USD)USD 111,530,358
Portfolio (USD)USD 111,530,358
Active Clients with Loans21,780
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Serán sujetos de crédito las personas naturales o jurídicas de los segmentos muy pequeña, pequeña o\rmediana empresa, pertenecientes a los sectores comercio, producción, servicios o agropecuaria.
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 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
OtherNo ser parte del dirctorio ni ser ejecutivo del Banco
Other (2)Debe tener por lo menos 1 año de experiencia en el negocio que lleva adelante
# 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
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size1,050,000
Loan Term and Grace Period
Shortest loan term4.9 months
Longest loan term60.9 months
Approx average39.0 months
Grace Period
Grace period usage10%
Average grace periodDK
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

Pricing Information

Interest
Lowest quoted nominal interest5.04%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termNo
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?Yes
Percentage of fees0
All or some fees taxedN/A

Full Pricing Data

Crédito Empresarial ME samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 450USD 1,035.05USD 2,050USD 4,000USD 8,150USD 12,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-06-162010-06-182010-06-222010-06-192010-06-232010-06-19
Loan Term (Months)12.0 months15.0 months36.0 months36.0 months45.0 months80.0 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 Component20.5%26.1%23.7%20.3%16.2%31.1%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.3%0.2%0.1%0.1%0.1%0.1%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)20.8%26.3%23.8%20.4%16.3%31.2%
Transparency Index241921253116
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Crédito Empresarial ME Price Graphs


Institution # Borrowers Portfolio (US$) Products Age of Data
AgroCapital21,90016,894,00011117
ANED5,4006,579,000375
Banco FIE231,100569,322,000675
BancoSol215,300861,418,0003075
CIDRE8,500126,578,000875
Coop Fatima6,30044,280,0007117
CRECER166,900134,626,0001375
Diaconia67,00085,734,000275
Ecofuturo59,200226,839,000575
EMPRENDER8,7002,380,0003117
Fassil FFP57,600325,081,000575
FONCRESOL3,9009,573,000375
FONDECO14,20024,274,000375
Fortaleza20,100164,530,0001375
FUBODE29,40024,444,000775
FUNBODEM8,60015,798,000975
IDEPRO10,40040,479,000275
IMPRO2,4002,885,000475
ProCredit84,300257,487,0008117
PRODEM44,90062,529,000475
ProMujer BOL115,20050,753,000375
Sartawi14,60026,842,000875
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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