2. IDEPRO
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
  2. ProCredit
Please note that the information you are viewing is 165 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

IDEPRO DESARROLLO EMPRESARIAL CALLE CAMPOS NRO 132 ZONA SAN JORGELa Paz, La Paz
Data approved: 2010-10-28
Data version: 1
Age of data: -   months 
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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: 165 months

Product

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Product

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Product Summary

Number borrowers422
Loan Amount (range)USD 500 - 10,000
Loan Term (range)10 - 72
Other Services (text summary)Credit Ins, El cliente puede optar por servicios financieros exclusivamente y/o requerir tambien servicios empre
Annual Interest & Method16.0%-19.0% annual, Decl Bal
Fees
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component0 (Int+Fee)
Insurance Component0 - 0.9%
Tax Component Range0 - 0.6%
Full APR (int fee ins tax dep)0
Transparency Index (min/max)-1 - N/A
Transparency Index (average)N/A

Product Summary

10,574
BOB 800 - 140,000
4 - 145
Credit Ins
7.0%-36.0% annual, Decl Bal
None
None
None
N/A
 
N/A
17.2% - 30.5% (Int+Fee)
0
0.0% - 0.9%
17.2% - 30.5%
16 - 83
31

Product Details

Key Statistics
Outstanding portfolio (USD)USD 1,358,175
Portfolio (USD)USD 1,358,175
Active Clients with Loans422
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Financiamiento que se otorga a clientes de las cadenas productivas priorizadas por IDEPRO, el cliente entrega en depósito su stock de materia prima y/o bienes, a un almacén o deposito, constituyéndose este en garantía prendaria de la operación.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Othercapital de operación, inversión y/o pago de servic
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
OtherEl cliente puede optar por servicios financieros exclusivamente y/o requerir tambien servicios empre
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
OtherPertenecen a cadenas productivas priorizadas por IDEPRO
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 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

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 500
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term10.0 months
Longest loan term72.0 months
Approx average41.0 months
Grace Period
Grace period usage10%
Average grace period3.0 months
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 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

Pricing Information

Interest
Lowest quoted nominal interest16.00%
Highest quoted nominal interest19.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Collateral, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
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
Additional Comments
IDEPRO, cuenta con financiadores entre los cuales se puede mencionar a: BDP, FONDESIF, FUNDAPRO, OIKOCREDIT, etc, algunos de ellos establecen tasa de interes tope para la otorgación de los créditos. \rA nivel institucional el monto maximo que se puede otorgar con este producto es hasta el 1.5% del patrimonio institucional (que equivale a $us 85.)

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

Full Pricing Data

Prendario Tipo Warrant - Servicios Especializados e Integrados samples
No sample data for this product

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
Prendario Tipo Warrant - Servicios Especializados e Integrados Price Graphs
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Creditos para Vivienda MN Price Graphs


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