Institution: Mikrokreditna fondacija MIKRO ALDI

Bosnia and Herzegovina

Institution	Mikrokreditna fondacija MIKRO ALDI
Country	Bosnia and Herzegovina
Purpose	Housing Education

Typical Initial Loan Amount	Number of Clients	Typical Term	Quoted Rate	Fees	Taxes	APR	EIR	Number of Samples	Date Collected
500-10,000	196	3 - 24 months	31.20-33.20 % / Year			31.0% - 32.0%	36.0% - 37.0%	2	2009-10-07

APR 31.0% - 32.0%

EIR 36.0% - 37.0%

Country Bosnia and Herzegovina

Name of loan product Kredit za ostale namjene

Currency Convertible marks

Gross Outstanding Portfolio 397980.00

Number of Clients 196

Percent Female 61-80%

Percent Urban 61-80%

Minimum Loan Size 500.00

Maximum Loan Size 10000.00

Initial Average Amount

Shortest Loan Term allowed 3.00

Longest Loan Term allowed 24.00

Approximate Avg Loan Term

Grace Period: Principal (Avg) 0.00

Grace Period: Principal (Min) 0.00

Grace Period: Principal (Max) 0.00

Grace Period: Interest (Avg) 0.00

Grace Period: Interest (Min) 0.00

Grace Period: Interest (Max) 0.00

Lowest Quoted Nominal Interest Rate 31.20

Highest Quoted Nominal Interest Rate 33.20

Quoted Interest Rate Period Year

Interest Rate Method Declining Balance

Other Rate Difference Reason za klijente koji su imali redovne uplate NKS 31,20%: za klijente koji su kasnili sa otplatom u toku mjeseca NKS 33,05%

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Amount	Term (months)	Repayment Frequency	Loan Cycle	Fees Paid	Compulsory Savings	Grace Period	Sample Disbursement Date	APR	EIR	Payment Schedule
1,000	12	Monthly	1	20.00		0	2009-03-09	32.0%	37.0%	View Payment Schedule
2,500	24	Monthly	5	50.00		0	2009-03-18	31.0%	36.0%	View Payment Schedule