2. Codesarrollo
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Institution

Codesarrollo Ladron de Guevara E13-408 Y BarcelonaQuito, Pichincha
Data approved: 2010-11-11
Data version: 1
Age of data: 164 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addressN/A
Year established1998
Head of InstitutionCARLOS MARZON ORTIZ
Regions active
# Branches15

Total Portfolio (nat'l)USD 46,867,654
Total Portfolio (USD)USD 46,867,654
Active clients with loans15,532
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsRed Financiera Rural
Funders

Loan Products » Summary

Sarrollo
3,957 Borrowers
USD 6,199,730 Portfolio
Active Product
Mergente
148 Borrowers
USD 97,371 Portfolio
Active Product
Microempresa
5,804 Borrowers
USD 15,830,467 Portfolio
Active Product
Particular
1,812 Borrowers
USD 4,813,813 Portfolio
Active Product
Tierras
117 Borrowers
USD 709,627 Portfolio
Active Product
Vivienda
2,540 Borrowers
USD 12,587,370 Portfolio
Active Product
Efectivo
39 Borrowers
USD 90,099 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credidesarrollo USD 200 - 15,000 6 - 38 20% - 40% 60% - 80% Business Women, Men, Have business Credit Ins, Seguro de Desgravamen
Crediemergente USD 500 - 1,000 2 - 14 40% - 60% 60% - 80% Any Purpose Women, Men
Credimicroempresarial USD 400 - 20,000 6 - 50 40% - 60% 60% - 80% Business Women, Men, Have business Credit Ins, Seguro de Desgravamen
Crediparticular USD 200 - 15,000 5 - 38 40% - 60% 0% - 20% Any Purpose Women, Men, Salaried worker Credit Ins, Seguro de Desgravamen
Creditierras USD 1,000 - 15,000 15 - 62 20% - 40% 60% - 80% Business, Compra, o legalización, o la titularización de la , tierra destinada a la prducción agrícola, pecuaria Women, Men, Orientado a organizaciones campesinas y/o miembros de organizaciones campesinas Credit Ins, Seguro de Desgravamen
Credivivienda USD 1,000 - 25,000 8 - 86 40% - 60% 60% - 80% Housing, Adquisicion, Construccion, Terminacion de vivienda Women, Men Credit Ins, Seguro de Desgravamen

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credidesarrollo 16.0% annual, Decl Bal 0 Fees 0 Ins None N/A 16% 16% 100
Crediemergente 14.0%-17.0% annual, Decl Bal 0 Fees 0 Ins None N/A 17% 17% 82
Credimicroempresarial 11.4%-17.0% annual, Decl Bal 0 Fees 0 Ins None N/A 17% 17% 67
Crediparticular 14.0% annual, Decl Bal 0 Fees 0 Ins None N/A 14% 14% 100
Creditierras 12.0%-13.0% annual, Decl Bal 0 Fees 0 Ins None N/A 12% 12% 100
Credivivienda 10.0%-17.0% annual, Decl Bal 0 Fees 0 Ins None N/A 10% - 17% 10% - 17% 71
Institution Price Graph
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  2. Belstar
Please note that the information you are viewing is 112 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Belstar Investment and Finance Private Limited 11 C, Rathinammal Street , Rangarajapuram, KodambakkamChennai, Tamilnadu600024
Data approved: 2014-09-22
Data version: 4
Age of data: 112 months
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Product

Micro Enterprise Loan Product 1 of 2 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (INR)INR 1,213,447,806
Portfolio (USD)USD 22,895,241.62
Active Clients with Loans117,606
Approximate % Female Clients100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village banking
Self help groupx
Other
Description
Micro Enterprise Loan is designed to provide finance to start new enterprise or strengthen existing enterprises.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age groupx
Household income <60,000 INRx
Household income <120,000 INRx
Must live in rural area
Must lives in urban area
OtherMust be a Member of an SHG
Other (2)Must be in the age group of 18 to 60 years.
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution3
# Regions for this product4
Regions ActiveKarnataka, Madhya Pradesh, Tamil Nadu, Puducherry

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 12,000
Maximum loan size30,000
Distribution at Disbursement (Est.)
Loans less than INR 5,0000
INR 5,000-15,00060%
INR 15,000-25,00030%
INR 25,000-35,00010%
INR 35,000-45,0000
Greater than INR 45,0000
Loan Term and Grace Period
Shortest loan term13.0 months
Longest loan term25.0 months
Approx average19.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months50%
Longer than 18 months50%
Grace Period
Grace period usage100%
Average grace period1.0 month
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 interest25.00%
Highest quoted nominal interest25.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% 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 Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min63
Fixed amount - max236
Reason for variationInsurance Premium varies depending on loan size & term.
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?Yes
Percentage of fees12.4%
All or some fees taxedAll

Full Pricing Data

Micro Enterprise Loan samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
MFIN MFI Earning (Annualised)
MFIN Cost to Borrower (Annualised)
Transparency Index
MFIN Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
INR 24,000 Real 2014-08-28 24.7 months 0.0 months INR 7,150.83 27.7% 25.3% 1.1% 1.0% 0.3% 0.0% 26.4% 27.7% 88 99 PDF PDF
INR 24,000 Generated 2015-03-01 24.0 months N/A INR 7,474.28 27.0% 24.7% 1.0% 1.0% 0.3% 0.0% 25.7% 27.0% 93 100 - PDF
INR 15,000 Real 2014-08-28 15.8 months 0.9 months INR 2,995.33 29.0% 26.4% 1.6% 0.7% 0.3% 0.0% 28.0% 29.0% 84 95 PDF PDF
INR 15,000 Generated 2015-03-01 15.0 months N/A INR 2,993.18 27.1% 24.7% 1.5% 0.6% 0.3% 0.0% 26.2% 27.1% 92 100 - PDF
INR 12,000 Generated 2015-03-01 16.0 months N/A INR 2,545.87 27.2% 24.7% 1.4% 0.8% 0.3% 0.0% 26.1% 27.2% 92 100 - PDF
INR 12,000 Generated 2015-03-01 16.0 months N/A INR 2,545.87 27.2% 24.7% 1.4% 0.8% 0.3% 0.0% 26.1% 27.2% 92 100 - PDF
INR 15,000 Generated 2015-03-01 16.0 months N/A INR 3,164.65 27.0% 24.7% 1.4% 0.6% 0.3% 0.0% 26.1% 27.0% 93 100 - PDF
INR 24,000 Generated 2015-03-01 24.9 months N/A INR 7,762.07 26.9% 24.7% 1.0% 1.0% 0.2% 0.0% 25.7% 26.9% 93 100 - PDF
INR 30,000 Generated 2015-03-01 24.9 months N/A INR 9,636.30 26.7% 24.7% 1.0% 0.8% 0.2% 0.0% 25.7% 26.7% 94 100 - PDF
INR 30,000 Generated 2015-03-01 24.9 months N/A INR 9,636.30 26.7% 24.7% 1.0% 0.8% 0.2% 0.0% 25.7% 26.7% 94 100 - PDF
* The APR stated here is an MFTransparency term, definition and formula
Micro Enterprise 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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