2. IMPRO
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  2. CIDRE
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Institution

Incubadora de Microempresas Productivas Calle Manuel Ergueta Nº 1741, MorilloLa Paz, Bolivia
Data approved: 2013-09-10
Data version: 2
Age of data: 123 months
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Institution

CIDRE Calle Juan de la Cruz Torrez # 1674Cochabamba, Cercado28034
Data approved: 2010-10-28
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.improbolivia.org/
Year established1995
Head of InstitutionJosé Jimenez M.
Regions activeLa Paz
# Branches1

Total Portfolio (nat'l)BOB 19,617,663.83
Total Portfolio (USD)USD 2,906,320.57
Active clients with loans2,413
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsFINRURAL
Funders

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.cidre.org.bo/
Year established1981
Head of InstitutionAlvaro Moscoso Blanco
Regions active0
# Branches11

Total Portfolio (nat'l)BOB 100,003,465.30
Total Portfolio (USD)USD 14,599,046.03
Active clients with loans3,488
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsFINRURAL
FundersBanco Interamericano de Desarrollo (BID), KIVA, Oikocredit, Babco de Desarrollo Productivo (BDP S.A.M.)

Loan Products » Summary

Linea BOB
990 Borrowers
USD 1,111,074.74 Portfolio
Active Product
Prog BOB
216.50 Borrowers
USD 331,768.96 Portfolio
Active Product
Linea USD
990 Borrowers
USD 1,111,074.50 Portfolio
Active Product
Prog USD
216.50 Borrowers
USD 331,769 Portfolio
Active Product

Loan Products » Summary

Consumo BOB
54 Borrowers
USD 93,135.15 Portfolio
Active Product
Consumo USD
113 Borrowers
USD 301,014.41 Portfolio
Active Product
Vivienda USD
91 Borrowers
USD 755,374.25 Portfolio
Active Product
Comercio BOB
72 Borrowers
USD 213,076.20 Portfolio
Active Product
Comercio USD
432 Borrowers
USD 2,816,538.67 Portfolio
Active Product
Product BOB
176 Borrowers
USD 504,708.36 Portfolio
Active Product
Product USD
2,270 Borrowers
USD 9,642,380.14 Portfolio
Active Product
Vivienda BOB
4 Borrowers
USD 36,054.21 Portfolio
Low Volume 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
Línea de Créditos de Fomento BOB 300 - 21,000 4 - 24 40% - 60% 60% - 80% Business, Agriculture, Education Women, Men, Have business Credit Ins, Tech Asst Visits
Programa de Vivienda y Mejoramiento del Habitat BOB 300 - 10,000 6 - 24 40% - 60% 60% - 80% Housing, Other Women, Men, Have home or land Credit Ins, Tech Asst Visits
Línea de Créditos de Fomento (USD) USD 50 - 3,100 4 - 24 40% - 60% 60% - 80% Business, Agriculture, Education Women, Men, Have business Credit Ins, Tech Asst Visits
Programa de Vivienda y Mejoramiento del Habitat (USD) USD 50 - 1,500 6 - 24 40% - 60% 60% - 80% Business, Agriculture, Education Women, Men, Have business Credit Ins, Tech Asst Visits

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credito de Consumo (BOB) BOB 1,414 - 70,700 12 - 60 0% - 20% 0% - 20% Any Purpose Women, Men, Capcidad de pago Credit Ins
Credito de Consumo (USD) USD 200 - 10,000 12 - 60 0% - 20% 0% - 20% Any Purpose Women, Men, Capacidad de pago Credit Ins
Credito Hipotecaria (USD) USD 1,000 - 43,000 12 - 84 0% - 20% 0% - 20% Housing Women, Men, Capacidad de pago Credit Ins
Microcredito para Comercio y Servicios (BOB) BOB 1,414 - 70,700 6 - 60 20% - 40% 20% - 40% Business, Para actividades de comercio y servicios Women, Men, Have business, Debe tener capacidad de pago Credit Ins
Microcredito para Comercio y Servicios (USD) USD 200 - 10,000 6 - 60 0% - 20% 0% - 20% Business Women, Men, Have business, Capcidad de pago Credit Ins, Business Training
Microcredito Productivo (BOB) BOB 1,414 - 70,700 6 - 60 40% - 60% 0% - 20% Business Women, Men, Have business, Debe tener capacidad de pago. Credit Ins
Microcredito Productivo (USD) USD 200 - 10,000 6 - 60 60% - 80% 0% - 20% Business Women, Men, Have business, Capacidad de pago Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Línea de Créditos de Fomento 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins None N/A 25.5% - 28% 26.1% - 28.5% 53
Programa de Vivienda y Mejoramiento del Habitat 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins None N/A 19.8% - 28.6% 20.4% - 29.2% 56
Línea de Créditos de Fomento (USD) 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins None N/A 19.8% - 40.4% 20.4% - 40.9% 53
Programa de Vivienda y Mejoramiento del Habitat (USD) 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins None N/A 27.8% - 33.8% 28.4% - 34.3% 46

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) 25.0%-28.0% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A
Credito de Consumo (USD) 23.0%-26.0% annual, Decl Bal 1 Fee 0 Ins 15.00% Principal N/A 0% 0% N/A
Credito Hipotecaria (USD) 18.0% annual, Decl Bal 1 Fee 0 Ins 15.00% Principal N/A 0% 0% N/A
Microcredito para Comercio y Servicios (BOB) 24.0%-28.0% annual, Decl Bal 0 Fees 1 Ins None N/A 0% 0% N/A
Microcredito para Comercio y Servicios (USD) 22.0%-26.0% annual, Decl Bal 0 Fees 1 Ins 15.00% interest N/A 0% 0% N/A
Microcredito Productivo (BOB) 20.0%-22.0% annual, Decl Bal 0 Fees 1 Ins None N/A 0% 0% N/A
Microcredito Productivo (USD) 18.0%-20.5% annual, Decl Bal 0 Fees 1 Ins 15.00% Principal N/A 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Línea de Créditos de Fomento 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 25.5% - 28% 26.1% - 28.5% 53
Programa de Vivienda y Mejoramiento del Habitat 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 19.8% - 28.6% 20.4% - 29.2% 56
Línea de Créditos de Fomento (USD) 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 19.8% - 40.4% 20.4% - 40.9% 53
Programa de Vivienda y Mejoramiento del Habitat (USD) 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 27.8% - 33.8% 28.4% - 34.3% 46

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) 25.0%-28.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 0% 0% N/A
Credito de Consumo (USD) 23.0%-26.0% annual, Decl Bal 1 Fee 0 Ins Ins 15.00% Principal N/A 0% 0% N/A
Credito Hipotecaria (USD) 18.0% annual, Decl Bal 1 Fee 0 Ins Ins 15.00% Principal N/A 0% 0% N/A
Microcredito para Comercio y Servicios (BOB) 24.0%-28.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 0% 0% N/A
Microcredito para Comercio y Servicios (USD) 22.0%-26.0% annual, Decl Bal 0 Fees 1 Ins Ins 15.00% interest N/A 0% 0% N/A
Microcredito Productivo (BOB) 20.0%-22.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 0% 0% N/A
Microcredito Productivo (USD) 18.0%-20.5% annual, Decl Bal 0 Fees 1 Ins Ins 15.00% Principal N/A 0% 0% N/A
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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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