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

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 Details

Institution TypeOther
Is this institution regulated?Yes
Website addresshttp://www.losandesprocredit.com.bo/
Year established1995
Head of InstitutionPablo Alberto González López
Regions active
# Branches62

Total Portfolio (nat'l)BOB 2,650,421,275
Total Portfolio (USD)USD 392,655,003.70
Active clients with loans83,776
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsASOFIN, ASOBAN
FundersProCredit Holding AG, Helen Alexander, Gabriel Schor, Mariano Larena

Loan Products » Summary

valor (BOB)
1,104 Borrowers
USD 1,258,593.78 Portfolio
Active Product
Valor ME
374 Borrowers
USD 846,867 Portfolio
Active Product
Emp. ME(USD)
21,780 Borrowers
USD 111,530,358 Portfolio
Active Product
Emp. ME(BOB)
44,495 Borrowers
USD 99,292,463.59 Portfolio
Active Product
Asa. ME(USD)
443 Borrowers
USD 645,031.22 Portfolio
Active Product
Asa. MN(BOB)
1,031 Borrowers
USD 1,260,387.59 Portfolio
Active Product
Viv. ME(USD)
4,573 Borrowers
USD 19,967,105.90 Portfolio
Active Product
Viv. MN(BOB)
10,574 Borrowers
USD 22,686,193.02 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Crédito con garantía de títulos valor BOB 250 - 135,000 0.9 - 60 40% - 60% 80% - 100% Any Purpose Women, Men Credit Ins
Crédito con garantía de títulos valor ME USD 100 - 125,000 1.3 - 45.3 40% - 60% 80% - 100% Any Purpose Women, Men Credit Ins
Crédito Empresarial ME USD 100 - 1,050,000 4.9 - 60.9 40% - 60% 0% - 20% Any Purpose Women, Men, Have business, No ser parte del dirctorio ni ser ejecutivo del Banco, Debe tener por lo menos 1 año de experiencia en el negocio que lleva adelante Credit Ins, Business Training
Crédito Empresarial MN BOB 480 - 3,485,000 1 - 303.4 40% - 60% 80% - 100% Any Purpose Women, Men, Have business, No ser parte del dirctorio ni ser ejecutivo del Ba, Debe tener por lo menos 1 año de experiencia en el Credit Ins, Business Training
Creditos para Asalariados ME USD 200 - 15,000 4 - 121 40% - 60% 80% - 100% Any Purpose Women, Men, Salaried worker, Debe ser propietario de inmueble o presentar un garante personal Credit Ins
Creditos para Asalariados MN BOB 601 - 70,000 1.4 - 61.4 40% - 60% 80% - 100% Any Purpose Women, Men, Salaried worker, Debe ser propietario de inmueble o presentar un garante personal Credit Ins
Creditos para Vivienda ME USD 242 - 20,000 2 - 143 40% - 60% 80% - 100% Housing, Para Compra y construccion de vivienda, Para compra de terreno Women, Men, Have business, Salaried worker Credit Ins
Creditos para Vivienda MN BOB 800 - 140,000 4 - 145 40% - 60% 80% - 100% Housing, Compra o construción de Vivienda, Compra de Terreno Women, Men, Have business Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito con garantía de títulos valor 4.3%-25.0% annual, Decl Bal 0 Fees 0 Ins None N/A 7.2% - 15.1% 7.2% - 15.1% 42
Crédito con garantía de títulos valor ME 5.0%-22.0% annual, Decl Bal 0 Fees 0 Ins 15.00% Principal N/A 7.1% - 14.8% 7.9% - 14.7% 53
Crédito Empresarial ME 5.0%-36.0% annual, Decl Bal 0 Fees 0 Ins 15.00% Principal N/A 16.2% - 31.1% 16.3% - 31.2% 22
Crédito Empresarial MN 8.5%-38.6% annual, Decl Bal 0 Fees 0 Ins None N/A 15.3% - 27.5% 15.3% - 27.5% 41
Creditos para Asalariados ME 6.4%-33.0% annual, Decl Bal 0 Fees 0 Ins 15.00% Principal N/A 7.5% - 22.4% 7.6% - 22.6% 48
Creditos para Asalariados MN 6.6%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 16.2% - 28.4% 16.2% - 28.4% 28
Creditos para Vivienda ME 7.4%-36.0% annual, Decl Bal 0 Fees 0 Ins 15.00% Principal N/A 15.8% - 23.6% 16% - 24% 39
Creditos para Vivienda MN 7.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 17.2% - 30.5% 17.2% - 30.5% 31
Institution Price Graph
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  2. Gatsby
Please note that the information you are viewing is 137 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Gatsby Microfinance Ltd Head OfficeKampala, Central RegionPO Box 8752
Data approved: 2012-07-20
Data version: 2
Age of data: 137 months
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Product

Gatsby Microfinance General Loan Product 1 of 2 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 2,981,915,068
Portfolio (USD)USD 1,192,766
Active Clients with Loans736
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This is a general loan product where GATSBY offers loans within a short processing time and at a higher interest rate than the Myc4 loan product.
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 visitsx
Business training
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
OtherThe type of business must be in line with the company mission
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution3
# Regions for this product3
Regions ActiveCentral, Eastern, Western

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 1,000,000
Maximum loan size30,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,0000
UGX 1,000,000-5,000,00015%
UGX 5,000,000-7,500,00015%
UGX 7,500,000-10,000,00015%
UGX 10,000,000-13,000,00015%
Greater than UGX 13,000,00015%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months15%
Between 7 and 9 months5%
Between 10 and 12 months20%
Between 13 and 18 months60%
Longer than 18 months0
Grace Period
Grace period usage10%
Average grace period0.3 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 interest30.00%
Highest quoted nominal interest30.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionLoan CommissionStamp duty
% of loan amount - min2.00%0
% of loan amount - max2.00%0
OR, Fixed amount - min05,000
Fixed amount - max05,000
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Insurance
% of loan amount - min1.00%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation1% for loans < 12 months, 1.5% for loans > 12 months
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forSome
CriteriaRequired for clients without registerd securities e.g. car log books & land titles
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
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

Gatsby Microfinance General Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountUGX 1,500,000UGX 3,000,000UGX 6,000,000UGX 8,000,000UGX 13,000,000
Loan Cycle (1, 2, 3, etc)12341
Disbursement Date2012-04-232012-04-272012-05-162012-03-212012-04-05
Loan Term (Months)6.0 months12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)0.1 months0.2 months0.2 months0.2 months0.1 months
Total Cost of CreditUGX 275,000UGX 995,000UGX 1,985,000UGX 2,645,000UGX 4,295,000
True Price by Comp         
Interest price component46.9%49.1%49.1%49.1%49.2%
Fee Component8.0%4.3%4.1%4.0%4.0%
Insurance Component3.6%2.0%2.0%2.0%2.1%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component10.8%10.2%10.2%10.2%10.1%
Full APR (int fee ins tax dep)69.3%65.6%65.4%65.3%65.4%
Transparency Index4346464646
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Gatsby Microfinance General Loan Price Graphs


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% Products with one or more insurances
% Products with compulsory deposits
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