2. IMPRO
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  2. ASPI
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Incubadora de Microempresas Productivas Calle Manuel Ergueta Nº 1741, MorilloLa Paz, Bolivia
Data approved: 2013-09-10
Data version: 2
Age of data: 123 months
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Institution

AIDEZ Small Project International HSN C191/18, AbelemkpeAccra, Greater Accra
Data approved: 2013-03-26
Data version: 2
Age of data: 132 months
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Product

Línea de Créditos de Fomento Product 1 of 4 « Prev | Next »

Product

Agriculture Loan Product 1 of 8 « Prev | Next »

Product Summary

Number borrowers990
Loan Amount (range)BOB 300 - 21,000
Loan Term (range)4 - 24
Other Services (text summary)Credit Ins, Tech Asst Visits
Annual Interest & Method14.4%-21.6% annual, Decl Bal
Fees16.00-20.00 ongoing
Insurance0.12%-0.72% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component14.3% - 21.7%
Fee Component4.0% - 18.7%
Insurance Component0.5% - 0.7%
Tax Component Range0
Full APR (int fee ins tax dep)26.1% - 28.5%
Transparency Index (min/max)35 - 71
Transparency Index (average)53

Product Summary

102
GHS 400 - 15,000
4 - 24
Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Health Education, Technology Management
48.00% annual, Flat
4.00% upfront
None
None
15.00%-30.00% upfront
 
77.3% - 114.4%
11.4% - 48.3%
0
0
137.1% - 163.9%
23 - 35
32

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 7,499,754.50
Portfolio (USD)USD 1,111,074.74
Active Clients with Loans990
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Incluye creditos productivos, de comercio, servicios básicos como agua, electricidad, sanitarios, etc.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Educationx
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visitsx
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 institution1
# Regions for this product1
Regions ActiveLa Paz

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 77,200
Portfolio (USD)USD 39,187.82
Active Clients with Loans102
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Designed for farmers in livestock and vegetable production to puchase farm equipment - tractors, irrigation pumps, seedlings, and other farm inputs. Loan ranges between GHS 400-15000 and repayment period is between 4-24 months.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherUsed for agricultural purposes
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
OtherHealth Education
Other (2)Technology Management
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
OtherMust own a farm or animals, fish, etc.
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product1
Regions ActiveVolta Region

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 300
Maximum loan size21,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,00080%
BOB 10,000-40,00020%
BOB 40,000-70,0000
BOB 70,000-100,0000
BOB 100,000-125,0000
Greater than BOB 125,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term24.0 months
Approx average15.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months30%
Between 13 and 18 months40%
Longer than 18 months10%
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

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 400
Maximum loan size15,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,00040%
GHS 1,000-5,00030%
GHS 5,000-7,50010%
GHS 7,500-10,00015%
GHS 10,000-13,0005%
Greater than GHS 13,0005%
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term24.0 months
Approx average14.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months15%
Between 7 and 9 months40%
Between 10 and 12 months40%
Between 13 and 18 months5%
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular paymentsx

Pricing Information

Interest
Lowest quoted nominal interest1.20%
Highest quoted nominal interest1.80%
Reason(s) why interest rate variesClient Risk, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionCobro por Formularios
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min16
Fixed amount - max20
Reason for variationFee varies based on loan amount.
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de Desgravamen
% of loan amount - min0.12%
% of loan amount - max0.72%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationInsurance fee is 0.03% per month, charged on the disbursed loan amount.
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 interest4.00%
Highest quoted nominal interest4.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min4.00%
% of loan amount - max4.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited15.00% - 30.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
Compuslory deposit - if the client is purchasing a tractor then deposit requirement is 30% deposit. If loan is smaller in size, e.g. for purchasing equipment or seedlings then deposit requirement is 15-20%.

Full Pricing Data

Línea de Créditos de Fomento samples
Sample 1Sample 2Sample 3
Loan AmountBOB 3,000BOB 5,000BOB 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2014-04-012013-01-072013-07-20
Loan Term (Months)18.0 months8.0 months15.0 months
Grace Period (Months)0.0 months0.1 months0.0 months
Total Cost of CreditBOB 646.20BOB 565.76BOB 1,870.33
True Price by Comp     
Interest price component14.3%21.7%21.7%
Fee Component11.2%6.3%4.0%
Insurance Component0.6%0.5%0.6%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)26.1%28.5%26.3%
Transparency Index555055
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Agriculture Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountGHS 800GHS 1,500GHS 3,000GHS 5,500GHS 6,000GHS 14,500
Loan Cycle (1, 2, 3, etc)123333
Disbursement Date2013-01-282012-12-282012-12-272013-04-162013-01-242013-04-16
Loan Term (Months)3.0 months6.0 months4.7 months5.4 months5.6 months9.0 months
Grace Period (Months)0.2 months0.2 months0.5 months0.2 months0.5 months0.2 months
Total Cost of CreditGHS 128GHS 408GHS 732GHS 1,562GHS 1,704.10GHS 6,496.30
True Price by Comp           
Interest price component79.8%77.3%85.9%93.9%86.6%89.7%
Fee Component29.3%15.7%19.4%18.2%16.7%11.4%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component35.0%44.1%46.5%51.8%39.3%43.5%
Full APR (int fee ins tax dep)144.1%137.1%151.8%163.9%142.6%144.6%
Transparency Index333532293433
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Línea de Créditos de Fomento Price Graphs


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Agriculture Loan 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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