2. Fassil FFP
Please note that the information you are viewing is 124 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Crezcamos
Please note that the information you are viewing is 161 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Fondo Financiero Privado Fassil S.A. Av. Cristo Redentor esq. Calle Gustavo ParadaSanta Cruz de la Sierra, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: -   months 
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Institution

Crezcamos S.A. Calle 47 # 29 - 65 SotomayorBucaramanga, Santander
Data approved: 2011-03-15
Data version: 1
Age of data: 161 months

Product

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Product

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Product Summary

Number borrowers134
Loan Amount (range)USD 1,050 - 20,000
Loan Term (range)3 - 60
Other Services (text summary)Credit Ins
Annual Interest & Method21.0%-31.0% annual, Decl Bal
Fees
InsuranceNone
Tax15.00% Principal
Comp DepN/A
Range of pricing 
Interest Price Component
Fee Component
Insurance Component
Tax Component Range
Full APR (int fee ins tax dep)0
Transparency Index (min/max)
Transparency Index (average)N/A

Product Summary

19,006
COP 500,000 - 13,300,000
6 - 24
Credit Ins
28.8%-34.0% annual, Decl Bal
18,638.00-37,250.00 upfront 4.50%-7.50% ongoing
5.00% ongoing
None
N/A
 
N/A
42.7% - 49.4% (Int+Fee)
0.3% - 1.1%
0
43.6% - 50.3%
57 - 73
61

Product Details

Key Statistics
Outstanding portfolio (USD)USD 729,232
Portfolio (USD)USD 729,232
Active Clients with Loans134
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Adquisición de bienes de consumo o pago de servicios. Fondos de libre disponibilidad.
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 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

Product Details

Key Statistics
Outstanding portfolio (COP)COP 26,646,745,449
Portfolio (USD)USD 14,641,068.93
Active Clients with Loans19,006
Approximate % Female Clients60% - 80%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Es un crédito primario que financia la producción o comercio de bienes y/o servicios y en general lo que el cliente necesite para su negocio.\r
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 insurancex
Workplace visits
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
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 1,050
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term60.0 months
Approx average18.0 months
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 payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyCOP
Minimum loan sizeCOP 500,000
Maximum loan size13,300,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 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
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest21.00%
Highest quoted nominal interest31.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Collateral
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termNo
Upfront Fees
Fee 1
DescriptionAlta de Linea de Credito
% of loan amount - min1.00%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
Fee 1
DescriptionSeguro de Desgravamen
% of loan amount - min9.00%
% of loan amount - max9.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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
Additional Comments
El impuesto aplicado como Porcentaje del pago de capital del préstamo y de los intereses es el Impuesto a las Transacciones Financieras de acuerdo a las Leyes Bolivianas, que debe retenerse àºnicamente cuando el pago sea realizado en efectivo. Si se realiza con débito en cuenta cuando ésta tenga un saldo menor a USD 2 mil, la transacción no está gravada por el impuesto.

Pricing Information

Interest
Lowest quoted nominal interest2.40%
Highest quoted nominal interest2.83%
Reason(s) why interest rate variesN/A
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionConsulta Centrales de Riesgo
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min18,638
Fixed amount - max37,250
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
Fee 1
DescriptionComision Mipyme. Anual + IVA
% of loan amount - min4.50%
% of loan amount - max7.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de Vida Deudores
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
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
Additional Comments
Sobre el valor que se cobra de comisiones y honorarios se cobra un impuesto de IVA del 16%. No se incluyó como impuesto en la sección anterior porque no se liquida sobre el desembolso ni sobre el valor de la comisión. De otra parte se liquida proporcionalmente al plazo de la obigacion y las tasas expresadas son en tasas anuales.

Full Pricing Data

Libre Disponibilidad (Microempresas y Pyme) (USD) samples
No sample data for this product

Full Pricing Data

Credinegocio samples
Sample 1Sample 2
Loan AmountCOP 1,500,000COP 3,500,000
Loan Cycle (1, 2, 3, etc)Not KnownNot Known
Disbursement Date2011-02-092011-02-19
Loan Term (Months)15.0 months24.0 months
Grace Period (Months)0.0 months0.0 months
Total Cost of CreditNot KnownNot Known
True Price by Comp   
Interest and Fee Component49.4%42.7%
Insurance Component0.9%0.9%
Tax Component0.0%0.0%
Deposit Component0.0%0.0%
Full APR (int fee ins tax dep)50.3%43.6%
Transparency Index5766
    
Original Repayment SchedulePDFPDF
MFT Pricing CalculationPDFPDF
Libre Disponibilidad (Microempresas y Pyme) (USD) Price Graphs
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Credinegocio Price Graphs


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