Crédito con Educación Rural - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 123 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Please note that the information you are viewing is 163 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Crédito con Educación Rural Calle Demetrio Canelas Nro. 27 entre calles 16 y 17 de Obrajes, MurilloLa Paz, Bolivia13748

Data approved: 2013-08-15

Data version: 3

Age of data: 123 months

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Institution

Pragathi MAC Credit & Marketing Federation Ltd. #2-6-45/2, Sri Shanthi Nagar Colony, Road No. 2Circuit House Road, HanamkondaWarangal, Andhra Pradesh506001

Data approved: 2010-11-15

Data version: 1

Age of data: 163 months

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Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://www.crecer.org.bo/
Year established	1999
Head of Institution	José Auad Lema
Regions active	Beni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija
# Branches	9

Total Portfolio (nat'l)	BOB 910,004,033.70
Total Portfolio (USD)	USD 134,815,412.40
Active clients with loans	167,043
Approximate % female clients	80% - 100%
Approximate % urban clients	40% - 60%
Network affiliations	FINRURAL, FOROLAC, PROCOSI
Funders

Institution Details

Institution Type	Credit Union / Cooperative
Is this institution regulated?	Yes
Website address	N/A
Year established	1999
Head of Institution	Sri G. John
Regions active
# Branches	38

Total Portfolio (nat'l)	INR 242,718,712
Total Portfolio (USD)	USD 4,579,598.34
Active clients with loans	23,289
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations

Loan Products » Summary

Comunal

112,789 Borrowers

USD 50,605,697.63 Portfolio

Active Product

Indiv USD

2,615 Borrowers

USD 7,958,924 Portfolio

Active Product

Indiv BOB

18,879 Borrowers

USD 47,475,532.15 Portfolio

Active Product

Agro BOB

4,627 Borrowers

USD 14,604,213.93 Portfolio

Active Product

Agro USD

756 Borrowers

USD 3,540,515 Portfolio

Active Product

Consumo BOB

809 Borrowers

USD 936,721.93 Portfolio

Active Product

Vivienda BOB

419 Borrowers

USD 1,352,590.37 Portfolio

Active Product

Oportuno BOB

25,920 Borrowers

USD 7,906,821.93 Portfolio

Active Product

Personal BOB

57 Borrowers

USD 96,389.78 Portfolio

Active Product

Consumo USD

29 Borrowers

USD 54,848 Portfolio

Low Volume Product

Vivienda USD

4 Borrowers

USD 15,215 Portfolio

Low Volume Product

Salud BOB

36 Borrowers

USD 19,252.15 Portfolio

Low Volume Product

Personal USD

27 Borrowers

USD 59,331 Portfolio

Low Volume Product

Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

Agriculture

3,005 Borrowers

USD 523,382.68 Portfolio

Active Product

Crop

8,014 Borrowers

USD 1,395,687.11 Portfolio

Active Product

Education

1,002 Borrowers

USD 174,460.89 Portfolio

Active Product

Group

501 Borrowers

USD 87,230.43 Portfolio

Active Product

Housing

2,004 Borrowers

USD 348,921.77 Portfolio

Active Product

Micro

11,771 Borrowers

USD 2,049,915.45 Portfolio

Active Product

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Banca Comunal	BOB 100 - 15,000	5.3 - 11.3	80% - 100%	40% - 60%	Business	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Servicios de Salud a través de alianzas estratégicas
Credito Individual - USD	USD 100 - 10,000	13 - 80.53	60% - 80%	40% - 60%	Business, Housing, Education, Other	Women, Men, Have business	Credit Educ, Credit Ins, Business Training, Other Training
Credito Individual - BOB	BOB 700 - 70,000	3.03 - 87.8	80% - 100%	40% - 60%	Business, Housing, Education, Other	Women, Men, Have business	Credit Educ, Credit Ins, Business Training, Other Training, Capacitación en temas de salud
Crédito Agropecuario - BOB	BOB 700 - 70,000	4.6 - 83.13	20% - 40%	0% - 20%	Business, Agriculture, Other	Women, Men, Have business	Credit Educ, Credit Ins
Crédito Agropecuario - USD	USD 100 - 10,000	10.7 - 71.3	20% - 40%	0% - 20%	Business, Agriculture, Other	Women, Men, Have business	Credit Educ, Credit Ins
Crédito para Consumo - BOB	BOB 700 - 70,000	3.4 - 61.2	0% - 20%	40% - 60%	Consumer, Other	Women, Men, Have business, Salaried worker	Credit Educ, Credit Ins
Crédito para Vivienda - BOB	BOB 700 - 70,000	5 - 49.7	40% - 60%	40% - 60%	Housing, Other	Women, Men, Have business, Salaried worker	Credit Educ, Credit Ins
Crédito Oportuno	BOB 500 - 3,000	0.7 - 16.9	80% - 100%	40% - 60%	Any Purpose	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Crédito al Personal - BOB	BOB 700 - 35,000	18.6 - 37.2	40% - 60%	40% - 60%	Other	Women, Men, Salaried worker	Credit Educ, Credit Ins

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Agriculture and Allied Business Loan	INR 5,000 - 50,000	12 - 20	80% - 100%	0% - 20%	Business	Women	Credit Educ, Group Mtgs, Credit Ins, Other Training
Crop Loan	INR 3,000 - 25,000	6 - 15	80% - 100%	0% - 20%	Business, Other	Women	Credit Educ, Group Mtgs, Credit Ins, Other Training
Education Loan	INR 3,000 - 20,000	12 - 20	60% - 80%	0% - 20%	Education	Women, Have home or land, Salaried worker	Group Mtgs, Credit Ins, Other Training
Group Loan	INR 10,000 - 30,000	12 - 20	80% - 100%	20% - 40%	Any Purpose	Women	Credit Educ, Group Mtgs, Credit Ins, Other Training, Livelihood and Social Awareness programs
Housing Loan	INR 10,000 - 50,000	15 - 30	60% - 80%	0% - 20%	Housing	Women, Salaried worker	Credit Educ, Group Mtgs, Credit Ins, Other Training
Micro Enterprise Loan	INR 5,000 - 50,000	12 - 20	80% - 100%	0% - 20%	Business	Women, Have business	Credit Educ, Group Mtgs, Other Training, Social Awareness programs

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Banca Comunal	34.0%-36.0% annual, Decl Bal	None	10.0% upfront 20.00% ongoing	36%	50.6% - 51.4%	66
Credito Individual - USD	16.0%-24.0% annual, Decl Bal	None	N/A	16.3% - 22.4%	16.3% - 22.4%	82
Credito Individual - BOB	12.0%-24.0% annual, Decl Bal	None	N/A	17.4% - 23.7%	17.4% - 23.7%	62
Crédito Agropecuario - BOB	18.0%-24.0% annual, Decl Bal	None	N/A	18.4% - 24.6%	18.4% - 24.6%	87
Crédito Agropecuario - USD	18.0%-24.0% annual, Decl Bal	None	N/A	19.1% - 23.4%	19.1% - 23.4%	86
Crédito para Consumo - BOB	19.0%-30.0% annual, Decl Bal	None	N/A	20.4% - 27.5%	20.4% - 27.5%	75
Crédito para Vivienda - BOB	19.0% annual, Decl Bal	None	N/A	18.8% - 19.4%	18.8% - 19.4%	99
Crédito Oportuno	32.1% annual, Decl Bal	None	N/A	32.6% - 32.7%	32.6% - 32.7%	98
Crédito al Personal - BOB	12.0% annual, Decl Bal	None	N/A	0%	0%	N/A

Loan Products » MFIN India Additional Information

Product Name	APR (int)	MFIN MFI Earning (Annualised)	MFIN Cost to Borrower (Annualised)	MFIN Transparency Index
Agriculture and Allied Business Loan	0%	25.6%	32.7% - 36.1%	N/A
Crop Loan	0%	21.5% - 21.6%	26.6% - 28.7%	N/A
Education Loan	0%	25.6% - 25.7%	33.8% - 36.2%	N/A
Group Loan	0%	25.6% - 25.7%	32.7% - 33.8%	N/A
Housing Loan	0%	25.6% - 25.7%	33.2% - 36.1%	N/A
Micro Enterprise Loan	0%	25.6% - 25.7%	32.7% - 35.9%	N/A

*Please click here for more information

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agriculture and Allied Business Loan	12.5% annual, Flat	1 Fee	1 Ins	None	10.0% upfront 50.00 ongoing	25.6%	32.7% - 36.1%	37
Crop Loan	12.5% annual, Flat	1 Fee	1 Ins	None	10.0% upfront 50.00 ongoing	21.5% - 21.6%	26.6% - 28.7%	45
Education Loan	12.5% annual, Flat	1 Fee	1 Ins	None	10.0% upfront 100.00 ongoing	25.6% - 25.7%	33.8% - 36.2%	36
Group Loan	12.5% annual, Flat	1 Fee	1 Ins	None	10.0% upfront 50.00 ongoing	25.6% - 25.7%	32.7% - 33.8%	37
Housing Loan	9.0% annual, Flat	1 Fee	1 Ins	None	10.0% upfront 100.00 ongoing	25.6% - 25.7%	33.2% - 36.1%	26
Micro Enterprise Loan	12.5% annual, Flat	1 Fee	1 Ins	None	10.0% upfront 50.00 ongoing	25.6% - 25.7%	32.7% - 35.9%	37

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Banca Comunal	34.0%-36.0% annual, Decl Bal	0 Ins Ins	None	10.0% upfront 20.00% ongoing	36%	50.6% - 51.4%	66
Credito Individual - USD	16.0%-24.0% annual, Decl Bal	0 Ins Ins	None	N/A	16.3% - 22.4%	16.3% - 22.4%	82
Credito Individual - BOB	12.0%-24.0% annual, Decl Bal	0 Ins Ins	None	N/A	17.4% - 23.7%	17.4% - 23.7%	62
Crédito Agropecuario - BOB	18.0%-24.0% annual, Decl Bal	0 Ins Ins	None	N/A	18.4% - 24.6%	18.4% - 24.6%	87
Crédito Agropecuario - USD	18.0%-24.0% annual, Decl Bal	0 Ins Ins	None	N/A	19.1% - 23.4%	19.1% - 23.4%	86
Crédito para Consumo - BOB	19.0%-30.0% annual, Decl Bal	0 Ins Ins	None	N/A	20.4% - 27.5%	20.4% - 27.5%	75
Crédito para Vivienda - BOB	19.0% annual, Decl Bal	0 Ins Ins	None	N/A	18.8% - 19.4%	18.8% - 19.4%	99
Crédito Oportuno	32.1% annual, Decl Bal	0 Ins Ins	None	N/A	32.6% - 32.7%	32.6% - 32.7%	98
Crédito al Personal - BOB	12.0% annual, Decl Bal	0 Ins Ins	None	N/A	0%	0%	N/A

Loan Products » MFIN India Additional Information

Product Name	APR (int)	MFIN MFI Earning (Annualised)	MFIN Cost to Borrower (Annualised)	MFIN Transparency Index
Agriculture and Allied Business Loan	0%	25.6%	32.7% - 36.1%	N/A
Crop Loan	0%	21.5% - 21.6%	26.6% - 28.7%	N/A
Education Loan	0%	25.6% - 25.7%	33.8% - 36.2%	N/A
Group Loan	0%	25.6% - 25.7%	32.7% - 33.8%	N/A
Housing Loan	0%	25.6% - 25.7%	33.2% - 36.1%	N/A
Micro Enterprise Loan	0%	25.6% - 25.7%	32.7% - 35.9%	N/A

*Please click here for more information

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agriculture and Allied Business Loan	12.5% annual, Flat	1 Fee	1 Ins Ins	None	10.0% upfront 50.00 ongoing	25.6%	32.7% - 36.1%	37
Crop Loan	12.5% annual, Flat	1 Fee	1 Ins Ins	None	10.0% upfront 50.00 ongoing	21.5% - 21.6%	26.6% - 28.7%	45
Education Loan	12.5% annual, Flat	1 Fee	1 Ins Ins	None	10.0% upfront 100.00 ongoing	25.6% - 25.7%	33.8% - 36.2%	36
Group Loan	12.5% annual, Flat	1 Fee	1 Ins Ins	None	10.0% upfront 50.00 ongoing	25.6% - 25.7%	32.7% - 33.8%	37
Housing Loan	9.0% annual, Flat	1 Fee	1 Ins Ins	None	10.0% upfront 100.00 ongoing	25.6% - 25.7%	33.2% - 36.1%	26
Micro Enterprise Loan	12.5% annual, Flat	1 Fee	1 Ins Ins	None	10.0% upfront 50.00 ongoing	25.6% - 25.7%	32.7% - 35.9%	37

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Key Statistics
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# Countries
# Borrowers
Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits

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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

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