Outstanding portfolio (COP) | COP 88,187,310,000 |
Portfolio (USD) | USD 48,454,565.93 |
Active Clients with Loans | 77 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 60% - 80% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | x |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | |
Credit insurance | |
Workplace visits | x |
Business training | x |
Other training | |
Other | |
Other (2) | |
No other services | x |
Men | x |
Women | x |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | Ninguno |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Currency | COP |
Minimum loan size | COP 100,000 |
Maximum loan size | 700,000 |
Loans less than COP 5,000,000 | 100% |
COP 5,000,000-20,000,000 | 0 |
COP 20,000,000-35,000,000 | 0 |
COP 35,000,000-50,000,000 | 0 |
COP 50,000,000-65,000,000 | 0 |
Greater than COP 65,000,000 | 0 |
Shortest loan term | 2.0 months |
Longest loan term | 12.0 months |
Approx average | 6.0 months |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 1.75% |
Highest quoted nominal interest | 2.25% |
Reason(s) why interest rate varies | Por la fluctuación del DTF-Costos de captación de los recursos en Colombia |
Interest rate period | Monthly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Ins 1 | |
---|---|
Description | Seguro de Vida: 0,0003*monto*plazo por una sola vez en el desembolso |
% of loan amount - min | 3.00% |
% of loan amount - max | 3.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | COP 143,930 | COP 267,982 | COP 297,757 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2011-04-28 | 2011-04-28 | 2011-04-28 | ||
Loan Term (Months) | 3.0 months | 4.0 months | 4.0 months | ||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
Total Cost of Credit | Not Known | Not Known | Not Known | ||
True Price by Comp | |||||
Interest and Fee Component | 22.4% | 22.6% | 22.6% | ||
Insurance Component | 0.5% | 0.6% | 0.6% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 0.0% | 0.0% | 0.0% | ||
Full APR (int fee ins tax dep) | 22.9% | 23.2% | 23.2% | ||
Transparency Index | 92 | 91 | 91 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
Actuar Caldas | 3,700 | 5,247,000 | 1 | 161 |
Actuar Quindio | 2,300 | 2,800,000 | 2 | 161 |
Actuar Tolima | 8,800 | 5,099,000 | 3 | 161 |
Amanecer | 4,300 | 8,253,000 | 4 | 161 |
Banco Agrario | 56,300 | 39,938,000 | 3 | 161 |
Banco WWB | 219,400 | 294,019,000 | 5 | 155 |
Bancolombia | 36,200 | 51,563,000 | 1 | 161 |
BdO | 10,400 | 7,945,000 | 2 | 161 |
Comerciacoop | 1,600 | 3,255,000 | 4 | 161 |
Confiar | 43,800 | 81,993,000 | 7 | 161 |
Congente | 5,400 | 20,045,000 | 2 | 161 |
Contactar | 25,100 | 20,184,000 | 2 | 161 |
Crezcamos | 27,500 | 22,564,000 | 4 | 161 |
Finamerica | 39,800 | 99,536,000 | 7 | 161 |
FMM Popayán | 310,000 | 243,614,000 | 3 | 161 |
FMSD | 6,800 | 9,236,000 | 6 | 161 |
Fomentamos | 900 | 102,000 | 1 | 161 |
Fund DeLaMujer | 199,900 | 165,568,000 | 1 | 161 |
Fund Oleoductos | 500 | 435,000 | 1 | 155 |
FUNDAUNIBAN | 600 | 1,307,000 | 2 | 161 |
FUNDESAN | 2,400 | 2,521,000 | 5 | 161 |
FUNDESMAG | 1,000 | 1,698,000 | 2 | 161 |
Interactuar | 30,200 | 93,846,000 | 4 | 161 |
MEDA | 15,600 | 27,322,000 | 2 | 161 |
ProCredit CO | 5,700 | 18,569,000 | 3 | 161 |
Key Statistics | |
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# 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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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