- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
1st Valley Bank	38,900	48,291,000	3	152
AJDFI	13,100	884,000	6	152
ARDCI	44,600	9,403,000	1	152
ASA Philippines	333,400	29,282,000	1	152
ASHI	35,400	5,231,000	6	152
ASKI	60,000	15,247,000	4	152
Bangko Kabayan	8,900	2,373,000	2	152
BSEI	600	73,000	2	152
CBI	8,100	2,010,000	5	152
CCT	70,300	9,504,000	4	152
CEV	35,400	5,111,000	4	152
DSPI	59,300	3,676,000	3	152
ECLOF	5,400	1,836,000	4	152
FCB	12,000	2,392,000	2	152
FMB	2,700	710,000	2	152
GM Bank	23,500	1,553,000	3	152
HSPFI	19,100	1,899,000	2	152
JVOFI	1,300	281,000	1	152
Katipunan Bank	42,100	5,325,000	2	152
KDCI	20,500	2,095,000	3	152
KGI	32,300	3,421,000	4	152
KMBI	245,000	15,098,000	1	152
LTMPC	37,400	8,935,000	3	152
Mallig Plains	6,500	641,000	2	152
MILAMDEC	29,800	3,278,000	2	152
MWIMPC	11,800	1,740,000	4	151
NWTF	105,500	12,698,000	5	152
OFMPC	4,400	964,000	1	152
PBC	50,700	10,434,000	4	152
PCSD	700	167,000	1	152
PMPC	23,500	5,565,000	8	152
RB Angeles	900	1,502,000	2	152
RB Labason	500	289,000	1	152
RBLI	5,200	1,026,000	2	152
RBMI	11,900	1,750,000	2	152
RMB	100	173,000	1	152
RSPI	39,600	2,834,000	4	152
SAFRAGEMC	1,100	229,000	1	152
Salve	10,900	1,191,000	3	152
SEDP	27,000	3,914,000	3	152
TSKI	212,900	25,187,000	2	152
TSPI	264,500	31,290,000	7	152
Valient	1,700	672,000	2	152

Please note that the information you are viewing is 160 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

FUNDAUNIBAN Calle 52 No 47-42Medellin

Data approved: 2011-03-15

Data version: 1

Age of data: 160 months

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Product

Microcredito Rural Product 1 of 2 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (COP)	COP 1,908,247,263
Portfolio (USD)	USD 1,048,487.51
Active Clients with Loans	518
Approximate % Female Clients	20% - 40%
Approximate % Urban Clients	0% - 20%

Methodology

Individual	x
Solidarity group	x
Village banking	x
Self help group
Other

Description

Fortalecimiento de cultivos agopecuarios rurales, principalmente pequeños productores de las regiones del magdalena y Uraba. Las lineas de crédito son : Capital de trabajo, activos fijos, apliación de tierras productivas, credito comunitario.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing	x
Consumer loan
Agriculture
Education	x
Other household finance
Other	Ampliacion de tierras
Other (2)	Capital de trabajo

Included Services

Credit education	x
Group meetings	x
Credit insurance	x
Workplace visits	x
Business training	x
Other training
Other	Capacitaciones en Buenas Practicas Administrativas
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business	x
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 institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	COP
Minimum loan size	COP 1,000
Maximum loan size	12,875,000

Loan Term and Grace Period

Shortest loan term	12.0 months
Longest loan term	36.0 months
Approx average	24.0 months

Grace Period

Grace period usage	10%
Average grace period	6.0 months

Repayment Frequency

Daily
Weekly	x
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	0.38%
Highest quoted nominal interest	0.38%
Interest rate period	Weekly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Ley MiPYME para Asistencia Tecnica
% of loan amount - min	5.00%
% of loan amount - max	5.00%
OR, Fixed amount - min	0
Fixed amount - max	0
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	Ins 2
Description	FNG (Fondo Nacional de Garantias) (se cobra anualmente)	Seguro de Vida (solamente para algunos prestamos de este producto)
% of loan amount - min	5.00%	1.80%
% of loan amount - max	20.00%	1.80%
OR, Fixed amount - min	0	0
Fixed amount - max	0	0
Reason for variation	N/A	N/A
Appears on Repayment Sched?	Yes	Yes

Compulsory Deposit

Required for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Microcredito Rural samples

	Sample 1	Sample 2	Sample 3
Loan Amount	COP 1,600,000	COP 3,200,000	COP 7,500,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known
Disbursement Date	2011-02-25	2011-03-18	2011-03-18
Loan Term (Months)	12.1 months	24.3 months	36.4 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	33.9%	31.5%	25.8%
Insurance Component	1.1%	4.5%	1.0%
Tax Component	0.0%	0.0%	0.0%
Deposit Component	0.0%	1.1%	0.0%
Full APR (int fee ins tax dep)	35.0%	37.1%	26.7%
Transparency Index	56	53	74

Original Repayment Schedule	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

Microcredito Rural 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

	X Axis
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N (# of Samples)
Total Borrrowers of Samples


Avg
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By Country

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