Colombia

Institution: Interactuar

> Product: Servicios Desarrollo Empresarial


Institution Interactuar
Country Colombia
Purpose Education
Business
Loan Segment Consumption
Microloans in Colombia belong to one of two segments, microcredit or consumption. They have different price caps and cannot be directly compared.
View in graph:    
 
 

Interest rates in Colombia

Tasa Efectiva Anual (TEA) de Colombia:Interest + Fees
Tasa Efectiva Anual (TEA) de Colombia + MiPyme:Interest + Fees + MiPyme
APR (int + fee + ins + dep):Interest + Fees + Insurance + Security Deposit
EIR (int + fee + ins + dep):Interest + Fees + Insurance + Security Deposit
 

Typical Initial Loan Amount Number of Clients Typical Term Quoted Rate Taxes Tasa Efectiva Anual (TEA) de Colombia Number of Samples Date Collected
100,000-700,000 77 6 months 1.75-2.25 % / Month 24.9% - 25.1% 3 2011-07-21

Product Interest Rates

24.9% - 25.1%

24.9% - 25.1%

22.9% - 23.2%

25.5% - 25.8%

Descriptive Info

Country Colombia

Servicios Desarrollo Empresarial

Colombian peso

Los créditos de SDE se otorgan a personas que no tienen recursos para capacitarse en la Corporación Interactuar(capacitación administrativa, técnica, asesoría, creaempresa, diseño, eventos especiales, laboratorio, etc)

Scale of this product

88,187,310,000

77

41-60%

61-80%

Eligibility Criteria

  • Men
  • Women
  • Ninguno

Lending Methodologies

  • Individual

Other Services

  • Credit Education
  • Business Training
  • Technical Assistance Visits to their Workplace

Loan Amounts

100,000

700,000


Repayment Frequencies

  • Monthly

Loan Term

2 months

12 months

6 months

Grace Period

No grace periods allowed for this product



Interest

2%

2%

No

Month

Declining Balance

No

Por que se pactan los créditos con cuota fija y tasa variable y en la(s) última(s) cuota(s) se reliquida a favor o en contra la evolución del costo de captación DTF en Colombia.

1.00

No



Interest Rate Difference Reasons

  • Other
Por la fluctuación del DTF-Costos de captación de los recursos en Colombia

Fees

Description of fee Seguro de Vida: 0,0003*monto*plazo por una sola vez en el desembolso

Percentage of loan amount charge
Min
0.03%
Max
0.03%
Or, Fixed amount charged
Does this fee appear on the repayment schedule? Yes

Taxes

Taxes paid by borrower PRIOR to or AT loan disbursement




Taxes paid by borrower DURING periodic loan repayments





Compulsory Savings

never required for this product




Savings Prior



Savings During




Interest Paid on Savings





User Comments



Payment Schedules

Amount Term Repayment Frequency Loan Cycle Grace Period Sample Disbursement Date Tasa Efectiva Anual (TEA) de Colombia Payment Schedule
143,930 3 Months Monthly April 28, 2011 24.9% View Payment Schedule
267,982 4 Months Monthly April 28, 2011 25.1% View Payment Schedule
297,757 4 Months Monthly April 28, 2011 25.1% View Payment Schedule