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Institution

CIDRE Calle Juan de la Cruz Torrez N° 1674, CercadoCochabamba, Bolivia28034
Data approved: 2013-08-02
Data version: 2
Age of data: 122 months

Institution

AIDEZ Small Project International HSN C191/18, AbelemkpeAccra, Greater Accra
Data approved: 2013-03-26
Data version: 2
Age of data: 132 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.)

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.asp-i.org/asp-i/
Year established2003
Head of InstitutionMoses O.T Owharo
Regions activeGreater Accra Region, Volta Region
# Branches0

Total Portfolio (nat'l)GHS 174,550
Total Portfolio (USD)USD 88,604.06
Active clients with loans845
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliationsGHAMFIN, ASSFIN, Coalition of NGOs in Health, Microcredit summit campaign, USA
FundersUSAID, UBA, Zenith Bank, Ghana Commercial Bank

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 » Summary

102 Borrowers
USD 39,187.82 Portfolio
Active Product
236 Borrowers
USD 2,741.12 Portfolio
Active Product
SME
170 Borrowers
USD 3,730.96 Portfolio
Active Product
300 Borrowers
USD 36,548.22 Portfolio
Active Product
7 Borrowers
USD 3,553.30 Portfolio
Low Volume Product
30 Borrowers
USD 2,842.64 Portfolio
Low Volume Product
Retired Product
Retired Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan GHS 400 - 15,000 4 - 24 40% - 60% 0% - 20% Business, Used for agricultural purposes Women, Men, Have business, Must own a farm or animals, fish, etc. Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Health Education, Technology Management
Individual Loan GHS 100 - 3,000 3 - 12 60% - 80% 40% - 60% Business, Consumer, Education Women, Men, Have business, Salaried worker, Must provide a guarantor Credit Educ, Tech Asst Visits, Business Training, Health Education
SME Loan GHS 1,500 - 5,000 4 - 8 80% - 100% 60% - 80% Business Women, Men, Have business, Must be a graduate from a small group loan, Must provide guarantor Credit Educ, Tech Asst Visits, Business Training
Petty Traders Loan (PTL) GHS 50 - 2,000 3 - 12 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 48.00% annual, Flat 1 Fee 0 Ins None 15.00%-30.00% upfront 93% - 112.1% 137.1% - 163.9% 32
Individual Loan 48.00% annual, Flat 1 Fee 0 Ins None 20.00% upfront 118.9% - 159.8% 174.6% - 205.5% 25
SME Loan 48.00% annual, Flat 1 Fee 0 Ins None 15.00%-20.00% upfront 107.9% - 136% 157.9% - 182.6% 28
Petty Traders Loan (PTL) 48.00% annual, Flat 1 Fee 0 Ins None 20.00% upfront 118.9% - 125.8% 174.6% - 183.6% 26

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 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 Ins None N/A 24.7% 25.3% 63
Credito Hipotecaria (BOB) 17.0%-25.0% annual, Decl Bal 0 Fees 1 Ins 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 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 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 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 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 Ins None N/A 18.9% - 21.7% 19.4% - 22.4% 86

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 48.00% annual, Flat 1 Fee 0 Ins Ins None 15.00%-30.00% upfront 93% - 112.1% 137.1% - 163.9% 32
Individual Loan 48.00% annual, Flat 1 Fee 0 Ins Ins None 20.00% upfront 118.9% - 159.8% 174.6% - 205.5% 25
SME Loan 48.00% annual, Flat 1 Fee 0 Ins Ins None 15.00%-20.00% upfront 107.9% - 136% 157.9% - 182.6% 28
Petty Traders Loan (PTL) 48.00% annual, Flat 1 Fee 0 Ins Ins None 20.00% upfront 118.9% - 125.8% 174.6% - 183.6% 26
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Key Statistics
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# Institutions
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# 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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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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