2. ProCredit
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

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

Institution Details

Institution TypeOther
Is this institution regulated?Yes
Website addresshttp://www.losandesprocredit.com.bo/
Year established1995
Head of InstitutionPablo Alberto González López
Regions active
# Branches62

Total Portfolio (nat'l)BOB 2,650,421,275
Total Portfolio (USD)USD 392,655,003.70
Active clients with loans83,776
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsASOFIN, ASOBAN
FundersProCredit Holding AG, Helen Alexander, Gabriel Schor, Mariano Larena

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 » 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 » Pricing Information

Product Name Annual Nominal Interest Fees 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 Fees 0 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 Fees 0 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 Fees 0 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 Fees 0 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 Fees 0 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 Fees 0 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 Fees 0 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 Fees 0 Ins None N/A 17.2% - 30.5% 17.2% - 30.5% 31
Institution Price Graph
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  2. COAC 4 Octubre
Please note that the information you are viewing is 163 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Cooperativa de Ahorro y Credito 4 de Octubre Ltda Avda. Atahualpa s/n via a BañosAvda. Cordovez y Juan LarreaRiobamba, Chimborazo06-01-1471
Data approved: 2011-11-01
Data version: 1
Age of data: 163 months

Product

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Product Details

Key Statistics
Outstanding portfolio (USD)USD 88,635
Portfolio (USD)USD 88,635
Active Clients with Loans293
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Destino del credito consumo, monto maximo de 1000.00 con un pazo maximo de 10 meses. Sin encaje con un ahorro de 10. mensuales .con una tasa del 16%.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried workerx
Must be specific age group
OtherHacer un ahorro mensual de minimo 10,00 mensuales durante 1 año.
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
CurrencyUSD
Minimum loan sizeUSD 200
Maximum loan sizeUSD 500
Distribution at Disbursement (Est.)
Loans less than USD 1,500100%
USD 1,500-5,0000
USD 5,000-10,0000
USD 10,000-15,0000
USD 15,000-18,0000
Greater than USD 18,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term8.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months50%
Between 7 and 9 months50%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
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 interest19.00%
Highest quoted nominal interest19.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
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
Ins 1
DescriptionSeguro de desgravamen
% 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?Yes
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedUSD 10
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
Para otorgar un credito emergente el socio debe tener un plan multiusa (el plan mulituso es un contrato que realiza el socioccon la COAC para hacer depositos mensuales de 1 dolares durante un ano el mismo que tiene una tasa de interes mayor a la del ahorro)

Full Pricing Data

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# 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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