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Institution
Data approved: 2010-10-28
Data version: 1
Age of data: - months
Key Statistics
| Outstanding portfolio (USD) | USD 3,964,385 |
| Portfolio (USD) | USD 3,964,385 |
| Active Clients with Loans | 767 |
| Approximate % Female Clients | 20% - 40% |
| Approximate % Urban Clients | 20% - 40% |
Methodology
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other | |
Description
Financiamiento que se otorga a clientes de las cadenas productivas priorizadas por IDEPRO, destinado a financiar capital de operación, inversión y/o el pago de servicios empresariales.
Loan Purpose
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | Capital de operación, inversión y/o pago de servic |
| Other (2) | |
Included Services
| Credit education | |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | El cliente puede optar por servicios financieros exclusivamente y/o requerir tambien servicios empre |
| Other (2) | |
| 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 | |
| Other | Pertenecer a las cadenas productivas priorizadas por IDEPRO |
| Other (2) | |
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 244 |
| Maximum loan size | 47,000 |
Loan Term and Grace Period
| Shortest loan term | 3.7 months |
| Longest loan term | 72.0 months |
| Approx average | 42.4 months |
Grace Period
| Grace period usage | 10% |
| Average grace period | DK |
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 | x |
| Irregular payments | x |
Pricing Information
Interest
| Lowest quoted nominal interest | 13.00% |
| Highest quoted nominal interest | 28.00% |
| Reason(s) why interest rate varies | Branch, Loan Size |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | Yes |
| Is rate fixed for entire loan term | Yes |
Upfront Fees
This product has no upfront feesOngoing Fees
This product has no ongoing feesUpfront Insurance Fees
This product has no upfront insurance feesOngoing 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? | Yes |
| Percentage of fees | 0 |
| All or some fees taxed | N/A |
Additional Comments
Si bien se registra 727 clientes, el nàºmero de operaciones es de 825, ya que hay muchos clientes que tinen más de un crédito activo.
Full Pricing Data
Crédito Individual - Pro Cadenas (USD) samples
| Sample 1 | | Sample 2 | | Sample 3 | | Sample 4 | | Sample 5 | | Sample 6 |
|---|
| Loan Amount | USD 243.96 | | USD 500 | | USD 1,000 | | USD 1,000 | | USD 2,000 | | USD 2,000 |
| Loan Cycle (1, 2, 3, etc) | Not Known | | Not Known | | Not Known | | Not Known | | Not Known | | Not Known |
| Disbursement Date | 2011-06-08 | | 2010-06-12 | | 2010-04-29 | | 2011-03-18 | | 2010-05-25 | | 2011-03-18 |
| Loan Term (Months) | 16.0 months | | 12.0 months | | 18.0 months | | 32.0 months | | 22.0 months | | 36.0 months |
| Grace Period (Months) | 0.0 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 | | Not Known |
| True Price by Comp | | | | | | | | | | | |
| Interest and Fee Component | 16.2% | | 29.6% | | 28.4% | | 15.2% | | 25.9% | | 25.3% |
| Insurance Component | 0.4% | | 0.0% | | 0.0% | | 0.4% | | 0.0% | | 0.4% |
| Tax Component | 0.3% | | 0.0% | | 0.0% | | 0.1% | | 0.0% | | 0.1% |
| Deposit Component | 0.0% | | 0.0% | | 0.0% | | 0.0% | | 0.0% | | 0.0% |
| Full APR (int fee ins tax dep) | 16.9% | | 29.6% | | 28.4% | | 15.8% | | 25.9% | | 25.9% |
| Transparency Index | 77 | | 44 | | 46 | | 82 | | 50 | | 50 |
| | | | | | | | | | | | |
| Original Repayment Schedule | PDF | | PDF | | PDF | | PDF | | PDF | | PDF |
| MFT Pricing Calculation | PDF | | PDF | | PDF | | PDF | | PDF | | PDF |
Crédito Individual - Pro Cadenas (USD) Price Graphs
