Banco Los Andes ProCredit S.A. - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 164 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Please note that the information you are viewing is 132 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: 164 months

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Institution

Angkor Microheranhvatho Kampuchea # 442, St. 193, Toul Svayprey 1ChamkarmornPhnom Penh, CambodiaPO Box 855

Data approved: 2013-04-26

Data version: 4

Age of data: 132 months

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Institution Details

Institution Type	Other
Is this institution regulated?	Yes
Website address	http://www.losandesprocredit.com.bo/
Year established	1995
Head of Institution	Pablo Alberto González López
Regions active
# Branches	62

Total Portfolio (nat'l)	BOB 2,650,421,275
Total Portfolio (USD)	USD 392,655,003.70
Active clients with loans	83,776
Approximate % female clients	40% - 60%
Approximate % urban clients	80% - 100%
Network affiliations	ASOFIN, ASOBAN
Funders	ProCredit Holding AG, Helen Alexander, Gabriel Schor, Mariano Larena

Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.amkcambodia.com/
Year established	2003
Head of Institution	Kea Borann
Regions active	Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo
# Branches	113

Total Portfolio (nat'l)	KHR 236,703,000,000
Total Portfolio (USD)	USD 59,924,810.13
Active clients with loans	297,613
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations	CMA, SPTF
Funders	Agora, Concern

Loan Products » Summary

valor (BOB)

1,104 Borrowers

USD 1,258,593.78 Portfolio

Active Product

Valor ME

374 Borrowers

USD 846,867 Portfolio

Active Product

Emp. ME(USD)

21,780 Borrowers

USD 111,530,358 Portfolio

Active Product

Emp. ME(BOB)

44,495 Borrowers

USD 99,292,463.59 Portfolio

Active Product

Asa. ME(USD)

443 Borrowers

USD 645,031.22 Portfolio

Active Product

Asa. MN(BOB)

1,031 Borrowers

USD 1,260,387.59 Portfolio

Active Product

Viv. ME(USD)

4,573 Borrowers

USD 19,967,105.90 Portfolio

Active Product

Viv. MN(BOB)

10,574 Borrowers

USD 22,686,193.02 Portfolio

Active Product

Loan Products » Summary

Credit KHR

84,992 Borrowers

USD 17,797,287.24 Portfolio

Active Product

Credit THB

5,761 Borrowers

USD 1,606,561.09 Portfolio

Active Product

Emrgncy KHR

4,029 Borrowers

USD 361,651.90 Portfolio

Active Product

Emrgncy THB

107 Borrowers

USD 12,797.90 Portfolio

Active Product

EoT KHR

98,446 Borrowers

USD 18,040,572.30 Portfolio

Active Product

EoT THB

1,837 Borrowers

USD 437,073.02 Portfolio

Active Product

Individual

5,079 Borrowers

USD 2,962,841.98 Portfolio

Active Product

Inst ID

119 Borrowers

USD 111,709.86 Portfolio

Active Product

Inst VB

1,670 Borrowers

USD 320,495.59 Portfolio

Active Product

Inst ID

2,801 Borrowers

USD 2,559,297.12 Portfolio

Active Product

Inst VB

65,323 Borrowers

USD 9,910,460.58 Portfolio

Active Product

Seasonal KRH

10,468 Borrowers

USD 7,060,414.41 Portfolio

Active Product

Seasonal THB

733 Borrowers

USD 869,265.42 Portfolio

Active Product

Seasonal USD

934 Borrowers

USD 825,304 Portfolio

Active Product

Easy KHR

3,096 Borrowers

USD 462,791.11 Portfolio

Active Product

Easy USD

2,814 Borrowers

USD 446,098 Portfolio

Active Product

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Crédito con garantía de títulos valor	BOB 250 - 135,000	0.9 - 60	40% - 60%	80% - 100%	Any Purpose	Women, Men	Credit Ins
Crédito con garantía de títulos valor ME	USD 100 - 125,000	1.3 - 45.3	40% - 60%	80% - 100%	Any Purpose	Women, Men	Credit Ins
Crédito Empresarial ME	USD 100 - 1,050,000	4.9 - 60.9	40% - 60%	0% - 20%	Any Purpose	Women, Men, Have business, No ser parte del dirctorio ni ser ejecutivo del Banco, Debe tener por lo menos 1 año de experiencia en el negocio que lleva adelante	Credit Ins, Business Training
Crédito Empresarial MN	BOB 480 - 3,485,000	1 - 303.4	40% - 60%	80% - 100%	Any Purpose	Women, Men, Have business, No ser parte del dirctorio ni ser ejecutivo del Ba, Debe tener por lo menos 1 año de experiencia en el	Credit Ins, Business Training
Creditos para Asalariados ME	USD 200 - 15,000	4 - 121	40% - 60%	80% - 100%	Any Purpose	Women, Men, Salaried worker, Debe ser propietario de inmueble o presentar un garante personal	Credit Ins
Creditos para Asalariados MN	BOB 601 - 70,000	1.4 - 61.4	40% - 60%	80% - 100%	Any Purpose	Women, Men, Salaried worker, Debe ser propietario de inmueble o presentar un garante personal	Credit Ins
Creditos para Vivienda ME	USD 242 - 20,000	2 - 143	40% - 60%	80% - 100%	Housing, Para Compra y construccion de vivienda, Para compra de terreno	Women, Men, Have business, Salaried worker	Credit Ins
Creditos para Vivienda MN	BOB 800 - 140,000	4 - 145	40% - 60%	80% - 100%	Housing, Compra o construción de Vivienda, Compra de Terreno	Women, Men, Have business	Credit Ins

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Credit Line (KHR)	KHR 50,000 - 1,000,000	3 - 24	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Other Training
Credit Line (THB)	THB 500 - 10,000	1 - 24	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Emergency Loan (KHR)	KHR 10,000 - 400,000	1 - 10	80% - 100%	0% - 20%	Other	Women, Men, Have home or land, Specific age group	Other Training
Emergency Loan (THB)	THB 500 - 4,000	1 - 10	80% - 100%	0% - 20%	Other	Women, Men, Have home or land	Credit Educ, Group Mtgs, Credit Ins
End of Term Loan (KHR)	KHR 10,000 - 1,000,000	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Other Training
End of Term Loan (THB)	THB 500 - 10,000	1 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
individual Inst ID (KHR)	KHR 400,000 - 8,000,000	3 - 18	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Other Training
Inst ID (THB)	THB 5,000 - 80,000	3 - 18	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ
Inst VB (THB)	THB 500 - 10,000	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Inst-ID USD	USD 500 - 2,000	3 - 18	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Other Training
Inst-VB (KHR)	KHR 10,000 - 1,000,000	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Other Training
Seasonal Loan (KHR)	KHR 500,000 - 6,000,000	3 - 12	80% - 100%	0% - 20%	Any Purpose, For seasonal purpose only	Women, Men, Have business, Have home or land, Must have regular income for eligible monthly interest payment	Credit Educ, Group Mtgs
Seasonal Loan (THB)	THB 5,000 - 60,000	3 - 12	80% - 100%	0% - 20%	Any Purpose, Seasonal purpose only	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Seasonal Loan (USD)	USD 100 - 1,500	3 - 12	80% - 100%	0% - 20%	Any Purpose, Seasonal loan requirement only	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Easy Loan (KHR)	KHR 10,000 - 1,000,000	1 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Salaried worker, Specific age group	Credit Educ, Other Training
Easy Loan (USD)	USD 50 - 250	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Specific age group	Credit Educ, Other Training

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Crédito con garantía de títulos valor	4.3%-25.0% annual, Decl Bal	None	N/A	7.2% - 15.1%	7.2% - 15.1%	42
Crédito con garantía de títulos valor ME	5.0%-22.0% annual, Decl Bal	15.00% Principal	N/A	7.1% - 14.8%	7.9% - 14.7%	53
Crédito Empresarial ME	5.0%-36.0% annual, Decl Bal	15.00% Principal	N/A	16.2% - 31.1%	16.3% - 31.2%	22
Crédito Empresarial MN	8.5%-38.6% annual, Decl Bal	None	N/A	15.3% - 27.5%	15.3% - 27.5%	41
Creditos para Asalariados ME	6.4%-33.0% annual, Decl Bal	15.00% Principal	N/A	7.5% - 22.4%	7.6% - 22.6%	48
Creditos para Asalariados MN	6.6%-36.0% annual, Decl Bal	None	N/A	16.2% - 28.4%	16.2% - 28.4%	28
Creditos para Vivienda ME	7.4%-36.0% annual, Decl Bal	15.00% Principal	N/A	15.8% - 23.6%	16% - 24%	39
Creditos para Vivienda MN	7.0%-36.0% annual, Decl Bal	None	N/A	17.2% - 30.5%	17.2% - 30.5%	31

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Credit Line (KHR)	36.0% annual, Decl Bal	1 Fee	None	N/A	34.1% - 36.6%	34.1% - 36.6%	100
Credit Line (THB)	33.6% annual, Decl Bal	1 Fee	None	N/A	34% - 34.2%	34% - 34.2%	98
Emergency Loan (KHR)	30.0% annual, Decl Bal	0 Fees	None	N/A	30% - 30.2%	30% - 30.2%	99
Emergency Loan (THB)	30.0% annual, Decl Bal	0 Fees	None	N/A	29.9% - 30.1%	29.9% - 30.1%	100
End of Term Loan (KHR)	36.0% annual, Decl Bal	1 Fee	None	N/A	36.5% - 37%	36.5% - 37%	98
End of Term Loan (THB)	33.6% annual, Decl Bal	1 Fee	None	N/A	33.6% - 34.2%	33.6% - 34.2%	98
individual Inst ID (KHR)	27.6%-36.0% annual, Decl Bal	1 Fee	None	N/A	31.9% - 37.1%	31.9% - 37.1%	81
Inst ID (THB)	27.6%-33.6% annual, Decl Bal	1 Fee	None	N/A	30.6% - 34.5%	30.6% - 34.5%	85
Inst VB (THB)	31.2% annual, Decl Bal	1 Fee	None	N/A	32.2% - 32.3%	32.2% - 32.3%	97
Inst-ID USD	26.4%-31.2% annual, Decl Bal	1 Fee	None	N/A	29.3% - 30.3%	29.3% - 30.3%	88
Inst-VB (KHR)	33.6% annual, Decl Bal	1 Fee	None	N/A	34.7% - 34.9%	34.7% - 34.9%	96
Seasonal Loan (KHR)	31.2%-36.0% annual, Decl Bal	1 Fee	None	N/A	33% - 37.5%	33% - 37.5%	88
Seasonal Loan (THB)	31.2%-36.0% annual, Decl Bal	1 Fee	None	N/A	30.6% - 34.2%	30.6% - 34.2%	95
Seasonal Loan (USD)	28.8%-32.4% annual, Decl Bal	1 Fee	None	N/A	30.6% - 33.5%	30.6% - 33.5%	90
Easy Loan (KHR)	30.0%-36.0% annual, Decl Bal	1 Fee	None	N/A	31.1% - 37.2%	31.1% - 37.2%	88
Easy Loan (USD)	27.6%-33.6% annual, Decl Bal	1 Fee	None	N/A	28.2% - 35.8%	28.2% - 35.8%	84

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Crédito con garantía de títulos valor	4.3%-25.0% annual, Decl Bal	0 Ins Ins	None	N/A	7.2% - 15.1%	7.2% - 15.1%	42
Crédito con garantía de títulos valor ME	5.0%-22.0% annual, Decl Bal	0 Ins Ins	15.00% Principal	N/A	7.1% - 14.8%	7.9% - 14.7%	53
Crédito Empresarial ME	5.0%-36.0% annual, Decl Bal	0 Ins Ins	15.00% Principal	N/A	16.2% - 31.1%	16.3% - 31.2%	22
Crédito Empresarial MN	8.5%-38.6% annual, Decl Bal	0 Ins Ins	None	N/A	15.3% - 27.5%	15.3% - 27.5%	41
Creditos para Asalariados ME	6.4%-33.0% annual, Decl Bal	0 Ins Ins	15.00% Principal	N/A	7.5% - 22.4%	7.6% - 22.6%	48
Creditos para Asalariados MN	6.6%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	16.2% - 28.4%	16.2% - 28.4%	28
Creditos para Vivienda ME	7.4%-36.0% annual, Decl Bal	0 Ins Ins	15.00% Principal	N/A	15.8% - 23.6%	16% - 24%	39
Creditos para Vivienda MN	7.0%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	17.2% - 30.5%	17.2% - 30.5%	31

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Credit Line (KHR)	36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	34.1% - 36.6%	34.1% - 36.6%	100
Credit Line (THB)	33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	34% - 34.2%	34% - 34.2%	98
Emergency Loan (KHR)	30.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	30% - 30.2%	30% - 30.2%	99
Emergency Loan (THB)	30.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	29.9% - 30.1%	29.9% - 30.1%	100
End of Term Loan (KHR)	36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	36.5% - 37%	36.5% - 37%	98
End of Term Loan (THB)	33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	33.6% - 34.2%	33.6% - 34.2%	98
individual Inst ID (KHR)	27.6%-36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	31.9% - 37.1%	31.9% - 37.1%	81
Inst ID (THB)	27.6%-33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	30.6% - 34.5%	30.6% - 34.5%	85
Inst VB (THB)	31.2% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	32.2% - 32.3%	32.2% - 32.3%	97
Inst-ID USD	26.4%-31.2% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	29.3% - 30.3%	29.3% - 30.3%	88
Inst-VB (KHR)	33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	34.7% - 34.9%	34.7% - 34.9%	96
Seasonal Loan (KHR)	31.2%-36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	33% - 37.5%	33% - 37.5%	88
Seasonal Loan (THB)	31.2%-36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	30.6% - 34.2%	30.6% - 34.2%	95
Seasonal Loan (USD)	28.8%-32.4% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	30.6% - 33.5%	30.6% - 33.5%	90
Easy Loan (KHR)	30.0%-36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	31.1% - 37.2%	31.1% - 37.2%	88
Easy Loan (USD)	27.6%-33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	28.2% - 35.8%	28.2% - 35.8%	84

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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

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Total Borrrowers of Samples


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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

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