Please note that the information you are viewing is 108 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Banco Agrario De Colombia S.A Carrera 8 No. 15-43Bogotà D.C, Cundomarca57
Data approved: 2011-03-15
Data version: 1
Age of data: 108 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.bancoagrario.gov.co/
Year established1999
Head of InstitutionFrancisco Estupiñán Heredia
Regions active
# Branches477

Total Portfolio (nat'l)COP 82,116,686,524
Total Portfolio (USD)USD 45,119,058.53
Active clients with loans64,236
Approximate % female clients60% - 80%
Approximate % urban clients80% - 100%
Network affiliations
FundersMINISTERIO DE HACIENDA, BOLSA NACIONAL AGROPECUARIA, CORABASTOS, MERCAR

Loan Products » Summary

1,892 Borrowers
USD 1,451,235.43 Portfolio
Active Product
3,317 Borrowers
USD 183,045.59 Portfolio
Active Product
51,189 Borrowers
USD 38,304,614.64 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Linea de Microcredito Agropecuario COP 500,000 - 6,000,000 4 - 36 40% - 60% 0% - 20% Business Women, Men, Have business Group Mtgs, Other Training, Educación financiera para niños y jóvenes a través de la creación del fomento de hábitos de ahorro, Formación a los clientes de los servicios de microcrédito y ahorro en componentes de desarrollo pers
Linea de Nucleos Solidarios COP 3,600,000 - 12,750,000 3 - 6 60% - 80% 80% - 100% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training
Línea de Fortalecimiento COP 496,900 - 12,875,000 3 - 36 40% - 60% 80% - 100% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Linea de Microcredito Agropecuario 29.6% annual, Decl Bal 2 Fees 1 Ins None N/A 44.2% - 47.9% 44.9% - 48.6% 63
Linea de Nucleos Solidarios 29.6% annual, Decl Bal 1 Fee 1 Ins None 10.0% upfront 10.00% ongoing 36.8% - 50.2% 48.1% - 69.7% 49
Línea de Fortalecimiento 29.6% annual, Decl Bal 2 Fees 2 Ins None N/A 41.2% - 47.3% 47.2% - 50.3% 61
Institution Price Graph
Please note that the information you are viewing is 76 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

K-Finance Ltd Head OfficeDar-es-SalaamP.O Box 19111 DSM
Data approved: 2013-03-19
Data version: 2
Age of data: 76 months

Product

Business Loan Product 1 of 2 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (TZS)TZS 227,530,525
Portfolio (USD)USD 143,100.96
Active Clients with Loans71
Approximate % Female Clients60% - 80%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This loans is for business owners who have operated their business for not less than six months. The business should be paying taxes and have a license.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loanx
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
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
OtherAge limit between 18 to 60
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveDar es Salaam

Loan Conditions

Loan Amount
CurrencyTZS
Minimum loan sizeTZS 1,000,000
Maximum loan size30,000,000
Distribution at Disbursement (Est.)
Loans less than TZS 350,0000
TZS 350,000-1,250,0005%
TZS 1,250,000-2,000,0005%
TZS 2,000,000-3,000,00020%
TZS 3,000,000-4,000,00030%
Greater than TZS 4,000,00030%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months50%
Between 7 and 9 months20%
Between 10 and 12 months30%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage10%
Average grace period3.0 months
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 interest5.00%
Highest quoted nominal interest5.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Collateral
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionApplication Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLife Insurance
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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?No

Full Pricing Data

Business Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountTZS 1,000,000TZS 2,000,000TZS 3,000,000TZS 4,500,000TZS 5,000,000
Loan Cycle (1, 2, 3, etc)12115
Disbursement Date2013-02-152013-03-042013-03-082013-03-042013-01-24
Loan Term (Months)6.0 months12.0 months6.0 months12.0 months6.0 months
Grace Period (Months)-0.1 months0.0 months0.0 months0.0 months0.1 months
Total Cost of CreditTZS 330,000TZS 1,260,000TZS 990,000TZS 2,835,000TZS 1,650,000
True Price by Comp         
Interest price component95.0%93.0%92.3%92.9%93.7%
Fee Component7.6%4.3%7.4%4.4%7.5%
Insurance Component3.9%2.2%3.8%2.2%3.8%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)106.5%99.5%103.5%99.5%105.0%
Transparency Index5660586057
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Business Loan Price Graphs


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% Products with one or more insurances
% Products with compulsory deposits
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