2. COAC SantaAnita
Please note that the information you are viewing is 165 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. FMSD
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

Cooperativa de Ahorro y Credito Santa Anita Imbaubura 8-83 y Vicente RocafuerteCotacachi, Imbabura28034
Data approved: 2010-11-08
Data version: 1
Age of data: 165 months

Institution

Fundación Mario Santo Domingo Carrera 45 N° 34-01 Piso 2Barranquilla, Atlántico
Data approved: 2011-08-01
Data version: 1
Age of data: 161 months

Product

Microempresarial Product 5 of 6 « Prev | Next »

Product

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Product Summary

Number borrowers924
Loan Amount (range)USD 100 - 15,000
Loan Term (range)1 - 49
Other Services (text summary)Credit Ins, Tech Asst Visits
Annual Interest & Method20.1%-25.0% annual, Decl Bal
Fees4.00% upfront 12.00 upfront
InsuranceNone
TaxNone
Comp Dep6.7% upfront 5.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component18.8% - 26.9% (Int+Fee)
Insurance Component0 - 11.0%
Tax Component Range0
Full APR (int fee ins tax dep)20.7% - 41.2%
Transparency Index (min/max)0 - N/A
Transparency Index (average)69

Product Summary

777
COP 2,000,000 - 11,845,000
36 - 120
Credit Educ, Group Mtgs, Credit Ins, Business Training
16.5% annual, Decl Bal
2.00%-4.00% upfront
ongoing
None
N/A
 
N/A
15.6% - 16.4% (Int+Fee)
0 - 7.2%
0
16.9% - 17.4%
0 - N/A
97

Product Details

Key Statistics
Outstanding portfolio (USD)USD 1,214,168.88
Portfolio (USD)USD 1,214,168.88
Active Clients with Loans924
Approximate % Female Clients40% - 60%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Es producto esta dirigido a microempresarios sean del area rural o urbanos que se dedican a actividades microempresariales en pequena escala en actividades especificas de comercio y servicios.
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 visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherTener calificacion hasta B en central de riesgos o buro de credito
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 6,002,166,218
Portfolio (USD)USD 3,297,893.53
Active Clients with Loans777
Approximate % Female Clients60% - 80%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Financiación de inmuebles destinado para vivienda de interés social - VIS, las personas que sean beneficiarios de un subsidio VIP2 o VIS2 en los Macroproyectos que la fundación desarrolle
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
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
Menx
Womenx
Must run a business
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 100
Maximum loan size15,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term49.0 months
Approx average19.0 months
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
CurrencyCOP
Minimum loan sizeCOP 2,000,000
Maximum loan size11,845,000
Loan Term and Grace Period
Shortest loan term36.0 months
Longest loan term120.0 months
Approx average0
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 months0
Longer than 18 months100%
Grace Period
Grace period usage90%
Average grace period6.0 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 interest20.05%
Highest quoted nominal interest25.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionSeguro de DesgravamenSeguro de Vida y Seguro de Accidentes Personales (prima anual)
% of loan amount - min4.00%0
% of loan amount - max4.00%0
OR, Fixed amount - min012
Fixed amount - max012
Reason for variationN/A
Appears on Repayment Sched?NoNo
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?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited6.70%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedUSD 5
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid4.00%
Maximum interest rate paid4.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
Ahorros contínuous: este valor está a disposición del socio, lo que nosotros pretendemos poniéndolo en la tabla de amortización es generar en el socio un hábito de ahorro, pero si el socio no ahorra no tiene ninguna incidencia en el crédito.

Pricing Information

Interest
Lowest quoted nominal interest16.50%
Highest quoted nominal interest16.50%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionComisio Microcredito.(cobrado anualmente) (MiPYME)
% of loan amount - min2.00%
% of loan amount - max4.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
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
Ins 1
DescriptionSeguro Deudores
% of loan amount - min0
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationLa prima del seguro de deuda es asumido por la Fundacio para saldos hasta de $10.000.000. La prima sobre saldos superiores a esta suma se liquidan en el plan de pagos a cargo de los deudores. Se ofrece el amparo de daños como un seguro adicional.
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
Se ofrece amparo de daños y seguro exequial como amparo adicional.

Full Pricing Data

Microempresarial samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountUSD 400USD 1,000USD 2,000USD 3,000USD 10,010
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-05-062010-05-262010-04-132010-05-142010-05-04
Loan Term (Months)6.0 months12.0 months19.0 months25.0 months49.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component25.3%25.5%26.9%25.5%18.8%
Insurance Component11.0%2.1%0.8%0.4%0.1%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component4.9%3.1%3.1%2.8%1.9%
Full APR (int fee ins tax dep)41.2%30.7%30.8%28.7%20.7%
Transparency Index4965657097
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Vivienda Hipotecaria samples
Sample 1Sample 2Sample 3
Loan AmountCOP 8,852,626COP 13,160,334COP 14,456,752
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-03-092011-04-292011-03-30
Loan Term (Months)58.0 months122.0 months120.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component16.3%16.4%15.6%
Insurance Component1.1%0.5%1.2%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)17.4%16.9%16.9%
Transparency Index959898
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Microempresarial Price Graphs


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Vivienda Hipotecaria 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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