2. ProCredit
Please note that the information you are viewing is 166 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Diaconia
Please note that the information you are viewing is 124 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Banco Los Andes ProCredit S.A. Av. Cristo Redentor No. 3730 entre 4 y 5 anilloSanta Cruz de la Sierra, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: 166 months

Institution

Diaconia FRIF Av. Juan Pablo II Nº 125 El AltoLa Paz
Data approved: 2010-10-28
Data version: 1
Age of data: -   months 
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Product

Creditos para Vivienda MN Product 8 of 8 « Prev | Next »

Product

Credito de Banca Communal Product 1 of 2 « Prev | Next »

Product Summary

Number borrowers10,574
Loan Amount (range)BOB 800 - 140,000
Loan Term (range)4 - 145
Other Services (text summary)Credit Ins
Annual Interest & Method7.0%-36.0% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component17.2% - 30.5% (Int+Fee)
Insurance Component0
Tax Component Range0.0% - 0.9%
Full APR (int fee ins tax dep)17.2% - 30.5%
Transparency Index (min/max)16 - 83
Transparency Index (average)31

Product Summary

20,978
BOB 100 - 7,000
3 - 8
Group Mtgs
30.7% annual, Flat
None
None
None
20.0% upfront 20.00% ongoing
 
0
N/A

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 153,131,802.90
Portfolio (USD)USD 22,686,193.02
Active Clients with Loans10,574
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Producto destinado a la compra de vivienda o de terrenos, refacción, ampliación,\ranticrético, construcción, instalación de servicios básicos o cualquier otro destino que implique un\rmejoramiento de vivienda.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
OtherCompra o construción de Vivienda
Other (2)Compra de Terreno
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 businessx
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

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 33,390,914
Portfolio (USD)USD 4,874,585.99
Active Clients with Loans20,978
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Microcredit sucesico y escalonado concedido a unia agrupacion con garantaa solidario mancomunada e indivisible.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherCon actividad económica
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
CurrencyBOB
Minimum loan sizeBOB 800
Maximum loan size140,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term145.0 months
Approx average34.0 months
Grace Period
Grace period usage10%
Average grace periodDK
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end paymentx
Irregular paymentsx

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 100
Maximum loan size7,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term8.0 months
Approx average5.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeksx
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest7.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termNo
Upfront Fees
This product has no upfront fees
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 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

Pricing Information

Interest
Lowest quoted nominal interest0.59%
Highest quoted nominal interest0.59%
Interest rate periodWeekly
Interest Rate Calculation MethodFlat
Subsidized by funder request?N/A
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
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 deposited20.00% - N/A
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited20.00% - N/A
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid1.00%
Maximum interest rate paid4.00%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No
Additional Comments
Los "Intereses pagaos sobre ahorros" no son pagados directamente por la institucion ya que no estamos autorizados de captar dinero del publico, los intereses generados son fruto de los prestamos al interior de misma banca, los cuales son administrados por las mismas socias.

Full Pricing Data

Creditos para Vivienda MN samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountBOB 2,800BOB 6,591.77BOB 15,000BOB 28,000BOB 56,600BOB 80,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-01-062010-05-192010-05-312010-05-072010-06-182010-06-11
Loan Term (Months)12.0 months12.0 months9.0 months36.0 months24.0 months48.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component30.5%25.3%24.3%22.4%19.5%17.2%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)30.5%25.3%24.3%22.4%19.5%17.2%
Transparency Index232829313641
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Credito de Banca Communal samples
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Creditos para Vivienda MN Price Graphs


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