Institution: Microcredit Foundation EKI

Bosnia and Herzegovina

Typical Initial Loan Amount	Number of Clients	Typical Term	Quoted Rate	Fees	Taxes	APR	EIR	Number of Samples	Date Collected
8,600	3,400	28 months	19.00-20.00 % / Year			19.0%	21.0%	1	2009-10-07

APR 19.0%

EIR 21.0%

Country Bosnia and Herzegovina

Name of loan product SME Loan

Currency Convertible marks

Gross Outstanding Portfolio 28800000.00

Number of Clients 3400

Percent Female 21-40%

Percent Urban 61-80%

Minimum Loan Size 5001.00

Maximum Loan Size 10000.00

Initial Average Amount 8600.00

Shortest Loan Term allowed

Longest Loan Term allowed 60.00

Approximate Avg Loan Term 28.00

Grace Period: Principal (Avg) 0.10

Grace Period: Principal (Min) 0.00

Grace Period: Principal (Max) 3.00

Grace Period: Interest (Avg) 0.00

Grace Period: Interest (Min) 0.00

Grace Period: Interest (Max) 0.00

Lowest Quoted Nominal Interest Rate 19.00

Highest Quoted Nominal Interest Rate 20.00

Quoted Interest Rate Period Year

Interest Rate Method Declining Balance

Other Rate Difference Reason charge 19% for up to 36 months; then 20% for >36 month term

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Amount	Term (months)	Repayment Frequency	Loan Cycle	Fees Paid	Compulsory Savings	Grace Period	Sample Disbursement Date	APR	EIR	Payment Schedule
10,000	12	Monthly	0	0.00		0	2009-02-18	19.0%	21.0%	View Payment Schedule