Institution

Yehu Microfinance Trust PO Box 82120Mombasa
Data approved: 2013-09-13
Data version: 2
Age of data: 133 months
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Institution

CONFIAR Cooperativa Financiera Calle 52 N° 49-40Medellin, Antioquia
Data approved: 2011-03-15
Data version: 1
Age of data: 159 months

Product

Special Loan Product 12 of 12 « Prev | Next »

Product

Vivienda de Interés Social VIS Product 6 of 7 « Prev | Next »

Product Summary

3,031
COP 7,000,000 - 57,845,000
60 - 144
Credit Ins
12.4% annual, Decl Bal
None
1.00% upfront 350.00-19,467.00 ongoing
None
258,000.00 upfront
 
N/A
12.2% (Int+Fee)
0 - 0.6%
0
12.7% - 13.5%
45 - 102
95

Product Details


This product either has less than 50 active borrowers or less than 10 loan disbursements over the past 9 months. MFTransparency presents basic data rather than full data for low volume products
Key Statistics
Outstanding portfolio (KES)KES 4,637,736.35
Portfolio (USD)USD 56,011.31
Active Clients with Loans32
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Description
Used for miscellaneous loan purposes not encompassed in other loan products.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (COP)COP 46,628,445,988
Portfolio (USD)USD 25,620,025.27
Active Clients with Loans3,031
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Crédito para adquisición de vivienda nueva o usada, cuyo valor comercial no exceda $69,525,000\r
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherPara compra o construcción de Vivienda
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
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
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
CurrencyCOP
Minimum loan sizeCOP 7,000,000
Maximum loan size57,845,000
Loan Term and Grace Period
Shortest loan term60.0 months
Longest loan term144.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
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 interest12.37%
Highest quoted nominal interest12.37%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionFondo de Desarrollo Institucional
% 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?No
Ongoing Insurance Fees
Ins 1
DescriptionSeguro contra incendio y terremoto
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min350
Fixed amount - max19,467
Reason for variationN/A
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount depositedCOP 258,000
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositWhen Leaving
Interest Paid on Deposit
Minimum interest rate paid1.00%
Maximum interest rate paid1.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Vivienda de Interés Social VIS samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountCOP 6,840,706COP 15,574,200COP 26,946,800COP 44,737,950
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-02-012011-02-162011-05-192011-05-26
Loan Term (Months)144.0 months144.0 months144.0 months144.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component12.2%12.2%12.2%12.2%
Insurance Component0.6%0.6%0.6%0.4%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.7%0.3%0.2%0.1%
Full APR (int fee ins tax dep)13.5%13.1%12.9%12.7%
Transparency Index92959698
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Vivienda de Interés Social VIS 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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