2. Banco WWB
Please note that the information you are viewing is 156 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. IDEPRO
Please note that the information you are viewing is 125 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 WWB S.A. Av 5 norte N° 16 N 57Cali, Valle del Cauca572
Data approved: 2011-08-01
Data version: 1
Age of data: 156 months

Institution

IDEPRO DESARROLLO EMPRESARIAL Calle Campos No 132, esquina Av. AcreLa Paz, La Paz14236
Data approved: 2013-10-04
Data version: 2
Age of data: 125 months
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Product Summary

Number borrowers734
Loan Amount (range)COP 2,891,000 - 5,301,900
Loan Term (range)1 - 36
Other Services (text summary)
Annual Interest & Method22.8% annual, Decl Bal
Fees7.50% ongoing
Insurance3 fees
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component22.2% - 22.6% (Int+Fee)
Insurance Component0.3% - 13.5%
Tax Component Range0
Full APR (int fee ins tax dep)25.3% - 36.1%
Transparency Index (min/max)59 - 116
Transparency Index (average)73

Product Summary

8,500
BOB 350 - 140,000
1 - 72
Credit Ins
12.0%-33.0% annual, Decl Bal
None
0.06%-3.96% ongoing
None
N/A
 
17.7% - 30.0%
0
0.6% - 1.3%
0
19.2% - 31.1%
48 - 705
100

Product Details

Key Statistics
Outstanding portfolio (COP)COP 1,671,063,163
Portfolio (USD)USD 918,166.57
Active Clients with Loans734
Approximate % Female Clients60% - 80%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Línea de Crédito destinada exclusivamente para la compra de motos Honda. El producto va dirigido a los clientes Nuevos, de renovación y preferenciales. El crédito se desembolsa directamente al proveedor\r
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherCompra de Moto
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 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

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 194,653,388
Portfolio (USD)USD 28,837,538.96
Active Clients with Loans8,500
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Créditos otorgados a una persona natural o jurídica o grupo de prestatarios para financiar actividades de producción, comercialización y servicios, cuya fuente principal de pago son las ventas e ingresos generados; y clasificado como mype.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
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 institution9
# Regions for this product8
Regions ActiveBeni , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija

Loan Conditions

Loan Amount
CurrencyCOP
Minimum loan sizeCOP 2,891,000
Maximum loan size5,301,900
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term36.0 months
Approx average32.0 months
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

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 350
Maximum loan size140,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,00030%
BOB 10,000-40,00020%
BOB 40,000-70,00015%
BOB 70,000-100,00010%
BOB 100,000-125,00020%
Greater than BOB 125,00020%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term72.0 months
Approx average36.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months5%
Between 13 and 18 months5%
Longer than 18 months80%
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 interest1.90%
Highest quoted nominal interest1.90%
Interest rate periodMonthly
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
Fee 1
DescriptionComisio Ley Mipyme
% of loan amount - min7.50%
% of loan amount - max7.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
Ins 1
DescriptionFNG
% of loan amount - min6.18%
% of loan amount - max6.18%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
Ins 1Ins 2
DescriptionVida DeudoresSeguro todo riesgo por la moto
% of loan amount - min20.00%0
% of loan amount - max30.00%0
OR, Fixed amount - min06
Fixed amount - max08
Reason for variationN/AN/A
Appears on Repayment Sched?NoYes
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

Pricing Information

Interest
Lowest quoted nominal interest12.00%
Highest quoted nominal interest33.00%
Reason(s) why interest rate variesClient Risk
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
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

Credimoto samples
Sample 1Sample 2Sample 3
Loan AmountCOP 3,190,000COP 3,642,500COP 3,723,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-02-232011-02-192011-03-30
Loan Term (Months)36.0 months24.0 months36.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component22.4%22.6%22.2%
Insurance Component2.8%13.5%11.8%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)25.3%36.1%34.1%
Transparency Index906367
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Promicro samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountBOB 2,000BOB 7,000BOB 35,000BOB 41,160BOB 91,000BOB 137,200
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2014-02-192013-12-042013-11-252013-12-272014-01-302013-11-29
Loan Term (Months)2.6 months8.0 months12.0 months37.0 months61.0 months61.0 months
Grace Period (Months)-0.5 months0.3 months0.3 months0.5 months0.3 months0.4 months
Total Cost of CreditBOB 52.56BOB 894.77BOB 5,208.97BOB 13,460.79BOB 61,518.34BOB 69,022.97
True Price by Comp           
Interest price component19.1%30.0%24.1%19.1%21.1%18.1%
Fee Component0.0%0.0%0.0%0.0%0.0%0.0%
Insurance Component1.3%1.1%1.2%1.2%1.0%1.1%
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)20.4%31.1%25.3%20.3%22.1%19.2%
Transparency Index10010048595462
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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