Loan Conditions

Loan Amount

Currency	ZMK
Minimum loan size	ZMK 1,000,000
Maximum loan size	5,000,000

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	12.0 months
Approx average	9.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

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

Loan Conditions

Loan Amount

Currency	COP
Minimum loan size	COP 300,000
Maximum loan size	50,000,000

Loan Term and Grace Period

Shortest loan term	1.0 month
Longest loan term	60.0 months
Approx average	18.0 months

Grace Period

Grace period usage	10%
Average grace period	2.0 months

Repayment Frequency

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

Pricing Information

Interest

Upfront Fees

	Fee 1
Description	Processing Fee
% of loan amount - min	4.00%
% of loan amount - max	7.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	7% for loans <12.5million, 5% for loans of 12.5-20million, 5% for loans 20million.
Appears on Repayment Sched?	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Life Insurance
% of loan amount - min	0.50%
% of loan amount - max	1.50%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	No

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?	No
Do borrowers control deposit in their group?	No

Deposit BEFORE or AT Disbursement

% loan amount deposited	20.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	0
Conditions on access to deposit	Access During

Interest Paid on Deposit

Minimum interest rate paid	3.00%
Maximum interest rate paid	6.00%
Interest payment frequency	End Term

Taxes

Are taxes charged on this product?

No

Additional Comments

Client is entitled to client share ownership program and has a minimum of 1% interest rebate paid if the loan was paid on time. The client has four options of investment. The repeat borrowers have a lower interest rate.

Pricing Information

Interest

Upfront Fees

This product has no upfront fees

Ongoing Fees

	Fee 1
Description	Capacitacio - MENSUALMENTE SE COBRA EL VALOR DEL RECAUDO EN LOS PUNTOS DE PAGO
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	3,000
Fixed amount - max	5,000
Reason for variation	N/A
Appears on Repayment Sched?	Yes

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

This product has no ongoing insurance fees

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

Additional Comments

A PARTIR DEL SEGUNDO CREDITO Y EVALUANDO EL COMPORTAMIENTO DE LOS ANTERIORES SE DA LA POSIBILIDAD DE OBTENER CREDITOS PARA ESTUDIO,MEJORAS DE VIVIENDA,ADQUISICION DE VIVIENDA Y OTRAS NECESIDADES DEL MICROEMPRESARIO Y SU FAMILIA , IGUALMENTE DE ACUERDO AL BUEN COMPORTAMIENTO EN LOS CREDITOS ANTERIORES,PARA NUEVOS CREDITOS SE REBAJA LA TASA DE INTERES. EN TODOS LOS CASOS EL VALOR APROBADO ES ENTREGADO, A NO SER QUE EL CLEINTE QUIERA QUE LAS FECHAS DE PAGO SEAN POSTERIORES A LA FECHA DEL DESEMBOLSO, CASO EN EL CUAL SE LE DESCUENTAN LOS INTRESES CORRESPONDIENTES A LOS DIAS DE CORRIMIENTO

Women Market Loan Price Graphs

Credito Acompanado Price Graphs