Please note that the information you are viewing is 103 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Micro Bankers Trust Head OfficeLusaka
Data approved: 2011-12-12
Data version: 1
Age of data: 103 months

Product

Dairy Loan Product 1 of 5 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (ZMK)ZMK 143,000,000
Portfolio (USD)USD 27,632.85
Active Clients with Loans45
Approximate % Female Clients0% - 20%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This facility finanzes small-scale farmers involved in milk-production activities. It finances restocking of animals, medications, transportation, equipment. It has a maximum loan term of 24 months.
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 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
OtherBe in a business or start one; belong to a dairy cooperative
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
CurrencyZMK
Minimum loan sizeZMK 500,000
Maximum loan size25,000,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx average24.0 months
Grace Period
Grace period usage50%
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 interest30.00%
Highest quoted nominal interest30.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionProcessing feeApplication form
% of loan amount - min3.00%0
% of loan amount - max3.00%0
OR, Fixed amount - min020,000
Fixed amount - max020,000
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Life Assurance
% 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 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

Dairy Loan samples
Sample 1Sample 2Sample 3
Loan AmountZMK 3,000,000ZMK 6,000,000ZMK 7,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-02-282011-02-282011-02-28
Loan Term (Months)12.0 months12.0 months12.0 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 Component59.8%59.1%59.0%
Insurance Component4.5%4.5%4.5%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)64.4%63.6%63.5%
Transparency Index474747
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Dairy Loan Price Graphs


Please note that the information you are viewing is 70 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

CIDRE Calle Juan de la Cruz Torrez N° 1674, CercadoCochabamba, Bolivia28034
Data approved: 2013-08-02
Data version: 2
Age of data: 70 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.cidre.org.bo/
Year established1990
Head of InstitutionAlvaro Moscoso Blanco
Regions activeChuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija
# Branches18

Total Portfolio (nat'l)BOB 854,406,455
Total Portfolio (USD)USD 126,578,734.10
Active clients with loans8,530
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsFINRURAL
FundersBanco Interamericano de Desarrollo (BID), Kiva, Oikocredit, Banco de Desarrollo Productivo (BDP S.A.M.)

Loan Products » Summary

293 Borrowers
USD 923,124 Portfolio
Active Product
63 Borrowers
USD 3,169,914 Portfolio
Active Product
987 Borrowers
USD 4,295,108.89 Portfolio
Active Product
203 Borrowers
USD 8,446,409 Portfolio
Active Product
1,704 Borrowers
USD 8,292,464.89 Portfolio
Active Product
740 Borrowers
USD 39,912,313 Portfolio
Active Product
3,357 Borrowers
USD 15,367,998.81 Portfolio
Active Product
1,183 Borrowers
USD 46,171,401 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credito de Consumo (BOB) BOB 2,000 - 362,000 12 - 60 0% - 20% 0% - 20% Any Purpose Women, Men Credit Ins
Credito de Consumo (USD) USD 200 - 10,000 12 - 60 0% - 20% 0% - 20% Any Purpose Women, Men Credit Ins
Credito Hipotecaria (BOB) BOB 3,500 - 843,200 12 - 96 0% - 20% 0% - 20% Housing Women, Men Credit Ins
Credito Hipotecaria (USD) USD 1,200 - 68,000 12 - 84 0% - 20% 0% - 20% Housing Women, Men Credit Ins
Microcredito para Comercio y Servicios (BOB) BOB 3,000 - 890,000 6 - 60 20% - 40% 20% - 40% Business, Para actividades de comercio y servicios Women, Men, Have business Credit Ins
Microcredito para Comercio y Servicios (USD) USD 500 - 126,000 6 - 60 0% - 20% 0% - 20% Business Women, Men, Have business Credit Ins, Business Training
Microcredito Productivo (BOB) BOB 3,400 - 892,956 6 - 60 40% - 60% 0% - 20% Business Women, Men, Have business Credit Ins
Microcredito Productivo (USD) USD 500 - 150,000 6 - 60 60% - 80% 0% - 20% Business Women, Men, Have business Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito de Consumo (BOB) 16.0%-27.0% annual, Decl Bal 0 Fees 1 Ins None N/A 17.1% - 26.7% 17.1% - 27.3% 71
Credito de Consumo (USD) 16.0%-25.0% annual, Decl Bal 0 Fees 1 Ins None N/A 24.7% 25.3% 63
Credito Hipotecaria (BOB) 17.0%-25.0% annual, Decl Bal 0 Fees 1 Ins None N/A 18.2% - 22.4% 18.8% - 23% 81
Credito Hipotecaria (USD) 17.0%-25.0% annual, Decl Bal 0 Fees 1 Ins None N/A 18.1% - 19.7% 18.6% - 20.3% 87
Microcredito para Comercio y Servicios (BOB) 18.0%-26.0% annual, Decl Bal 0 Fees 1 Ins None N/A 20.4% - 25.4% 20.9% - 26% 76
Microcredito para Comercio y Servicios (USD) 18.0%-27.0% annual, Decl Bal 0 Fees 1 Ins None N/A 18% - 26.7% 18.6% - 27.3% 80
Microcredito Productivo (BOB) 18.0%-27.0% annual, Decl Bal 0 Fees 1 Ins None N/A 18% - 26.7% 18.6% - 27.3% 83
Microcredito Productivo (USD) 18.0%-27.0% annual, Decl Bal 0 Fees 1 Ins None N/A 18.9% - 21.7% 19.4% - 22.4% 86
Institution Price Graph
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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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