2. CIDRE
Please note that the information you are viewing is 125 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. FUBODE
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Institution

CIDRE Calle Juan de la Cruz Torrez N° 1674, CercadoCochabamba, Bolivia28034
Data approved: 2013-08-02
Data version: 2
Age of data: 125 months
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Institution

Fundacion Boliviana Para El Desarrollo AntezaEntre Colombia NO 216Cochabamba
Data approved: 2010-10-28
Data version: 1
Age of data: -   months 
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Product

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Product

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Product Summary

Number borrowers63
Loan Amount (range)USD 200 - 10,000
Loan Term (range)12 - 60
Other Services (text summary)Credit Ins
Annual Interest & Method16.0%-25.0% annual, Decl Bal
FeesNone
Insurance0.60%-3.00% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component16.1% - 26.7%
Fee Component0 - 1.0%
Insurance Component0 - 1.1%
Tax Component Range0 - 0.2%
Full APR (int fee ins tax dep)25.3%
Transparency Index (min/max)59 - 97
Transparency Index (average)63

Product Summary

160
USD 2,000 - 18,000
4 - 48
15.0% annual, Decl Bal
1.00% upfront
None
15.00% Principal
N/A
 
N/A
15.5% - 24.4% (Int+Fee)
0 - 0.5%
0 - 0.4%
15.6% - 24.8%
0 - N/A
76

Product Details

Key Statistics
Outstanding portfolio (USD)USD 3,169,914
Portfolio (USD)USD 3,169,914
Active Clients with Loans63
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Destinado a satisfacer necesidades de personas naturales y asalariadas, tales como la compra de bienes de consumo, pago de servicios, viajes, estudios, emergencias, anticréticos, remodelaciones, refacciones y otros; desde US$ 200 hasta US$ 10.000.
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 institution7
# Regions for this product7
Regions ActiveChuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (USD)USD 250,000
Portfolio (USD)USD 250,000
Active Clients with Loans160
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Modalidad de crédito destinado al financiamiento de actividades microempresariales desarrolladas por una organización productiva legalmente constituida
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 landx
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
CurrencyUSD
Minimum loan sizeUSD 200
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than USD 1,50040%
USD 1,500-5,00030%
USD 5,000-10,00030%
USD 10,000-15,0000
USD 15,000-18,0000
Greater than USD 18,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term60.0 months
Approx average36.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months20%
Between 13 and 18 months30%
Longer than 18 months50%
Grace Period
Grace period usage10%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 monthsx
Every 12 monthsx
Single end paymentx
Irregular paymentsx

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 2,000
Maximum loan size18,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term48.0 months
Approx average0
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

Pricing Information

Interest
Lowest quoted nominal interest16.00%
Highest quoted nominal interest25.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
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
Ins 1
DescriptionSeguro de Desgravamen
% of loan amount - min0.60%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationEl costo es de 0.05% mensual, con cargo sólo en el saldo de capital pendiente del préstamo.
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

Pricing Information

Interest
Lowest quoted nominal interest15.00%
Highest quoted nominal interest15.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
Description0.3% al momento del desembolso no incorporado en el plan de pagos
% of loan amount - min0.30%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
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 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

Credito de Consumo (USD) samples
Sample 1
Loan AmountUSD 2,000
Loan Cycle (1, 2, 3, etc)Not Known
Disbursement Date2013-04-15
Loan Term (Months)24.0 months
Grace Period (Months)0
Total Cost of CreditUSD 527.54
True Price by Comp 
Interest price component24.7%
Fee Component0
Insurance Component0.6%
Tax Component0
Deposit Component0
Full APR (int fee ins tax dep)25.3%
Transparency Index63
  
Original Repayment SchedulePDF
MFT Pricing CalculationPDF

Full Pricing Data

Credito Asociativo samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 1,860USD 2,000USD 3,800USD 8,000USD 11,000USD 18,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-10-182010-09-022011-07-212010-06-112009-06-302009-06-26
Loan Term (Months)48.0 months32.0 months32.0 months30.0 months32.0 months32.0 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 Component20.7%15.5%24.4%24.4%16.2%16.2%
Insurance Component0.0%0.0%0.5%0.0%0.0%0.0%
Tax Component0.0%0.1%0.0%0.0%0.1%0.1%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)20.7%15.6%24.8%24.4%16.3%16.3%
Transparency Index739660629292
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Credito de Consumo (USD) Price Graphs


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Credito Asociativo 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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