Credito con Educacion Rural - Credito Individual - USD - MFTransparency.org Truth In Lending Tables

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Institution

Credito con Educacion Rural Calle Presbítero Medina NÂº 2931 (Final-Pasaje Lastra)La Paz13748

Data approved: 2011-10-11

Data version: 2

Age of data: - months

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Product

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Product Details

Key Statistics

Outstanding portfolio (USD)	USD 13,178,320
Portfolio (USD)	USD 13,178,320
Active Clients with Loans	6,041
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	60% - 80%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

Préstamos para inversión en negoci o actividad productiva, comprar insumos, herramientas y mercadería, cubrir necesidades urgentes. Se les brinda capacitación que ayudan a mejorar la calidad de vida del (de la ) cliente(a) y su familia

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing	x
Consumer loan
Agriculture
Education	x
Other household finance	x
Other
Other (2)

Included Services

Credit education	x
Group meetings
Credit insurance	x
Workplace visits
Business training
Other training	x
Other	Capacitación en temas de salud, negocios y otros en procura de mejorar la calidad de vida
Other (2)	Microseguros sin costo para los clientes (costo es asumido por CRECER)
No other services

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land
Must be a salaried worker
Must be specific age group	x
Other	No deben tener deuda en mora en el sistema financiero (Consulta Central de Riesgos)
Other (2)	Experiencia mínima de 1 año en la actividad a financiar y 6 meses de funcionamiento del negocio

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	USD
Minimum loan size	USD 100
Maximum loan size	10,000

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	60.0 months
Approx average	24.0 months

Grace Period

Grace period usage	0
Average grace period	2.0 months

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly	x
Every 6 months
Every 12 months
Single end payment
Irregular payments	x

Pricing Information

Interest

Lowest quoted nominal interest	18.00%
Highest quoted nominal interest	24.00%
Reason(s) why interest rate varies	Loan Size
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	N/A
Is rate fixed for entire loan term	Yes

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 for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Credito Individual - USD samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5
Loan Amount	USD 500	USD 1,000	USD 2,000	USD 4,000	USD 8,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2011-08-09	2011-09-04	2011-09-11	2011-09-17	2011-09-04
Loan Term (Months)	12.0 months	12.0 months	24.0 months	36.0 months	48.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	23.1%	25.1%	24.5%	22.1%	20.4%
Insurance Component	0.0%	0.0%	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	23.1%	25.1%	24.5%	22.1%	20.4%
Transparency Index	78	72	74	81	88

Original Repayment Schedule	PDF	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF	PDF

Credito Individual - USD Price Graphs

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Key Statistics
# Samples:
# Products
# Institutions
# 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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