2. ANED
Please note that the information you are viewing is 129 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Vistaar
Please note that the information you are viewing is 168 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Asociación Nacional Ecuménica de Desarrollo Calle Rosendo Gutierrez pasaje Finot #679La Paz, Bolivia
Data approved: 2013-08-19
Data version: 2
Age of data: 129 months
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Institution

Vistaar Livelihood Financial services Private Limited No 9,37th Main 3rd Cross. KAS officers layoutBTM 2nd StageBangalore, karnataka560076
Data approved: 2011-01-23
Data version: 1
Age of data: 168 months

Product

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Product

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Product Summary

Number borrowers1,067
Loan Amount (range)BOB 500 - 8,000
Loan Term (range)6 - 24
Other Services (text summary)Credit Educ, Credit Ins
Annual Interest & Method26.0%-38.0% annual, Decl Bal
FeesNone
Insurance0.09%-0.10% upfront 0.05%-0.20% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component16.1% - 37.9%
Fee Component0
Insurance Component1.0% - 1.1%
Tax Component Range0
Full APR (int fee ins tax dep)27.1% - 38.9%
Transparency Index (min/max)32 - 96
Transparency Index (average)78

Product Summary

3,661
INR 12,850 - 15,250
18
27.0% annual, Decl Bal
250.00-290.00 upfront
135.00-155.00 upfront
None
N/A
 
N/A
30.2% - 30.3% (Int+Fee)
0.7% - 1.8%
0
31.0% - 32.1%
84 - 88
85

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 2,775,360.49
Portfolio (USD)USD 411,164.52
Active Clients with Loans1,067
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Esta metodología fue desarrollada específicamente para llegar a mujeres campesinas, organizadas en juntas de ahorro y crédito. Aunque excepcionalmente puede otorgarse el prestamo a hombres.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculturex
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
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 product6
Regions ActiveBeni , Chuquisaca , La Paz , Potosí, Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (INR)INR 47,176,781.23
Portfolio (USD)USD 890,127.95
Active Clients with Loans3,661
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Given to women in group of 5 with min 4 to max 8 groups per centre. They should be involved in any of the livelihood
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Men
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age group
Household income <60,000 INR
Household income <120,000 INR
Must live in rural area
Must lives in urban area
OtherMin 2 members per group to have own house or shop
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 500
Maximum loan size8,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,000100%
BOB 10,000-40,0000
BOB 40,000-70,0000
BOB 70,000-100,0000
BOB 100,000-125,0000
Greater than BOB 125,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx averagedk
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months20%
Between 10 and 12 months70%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage10%
Average grace periodDK
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 12,850
Maximum loan size15,250
Loan Term and Grace Period
Shortest loan term18.0 months
Longest loan term18.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months100%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest26.00%
Highest quoted nominal interest38.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Collateral
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
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
Ins 1
DescriptionSeguro de desgravamen
% of loan amount - min0.09%
% of loan amount - max0.10%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationLa comisión es: (0.085% X monto del crédito) + ((0.085% X monto del crédito) / número de días entre el desembolso y la fecha de la primera cuota)
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de desgravamen
% of loan amount - min0.05%
% of loan amount - max0.20%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationComisión de 0.085% mensual aplicado sólo al saldo del capital remanente del crédito.
Appears on Repayment Sched?Yes
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 interest27.00%
Highest quoted nominal interest27.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min250
Fixed amount - max290
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee (Voluntary) including Spouse (including Service Tax)
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min135
Fixed amount - max155
Reason for variationN/A
Appears on Repayment Sched?Yes
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
Additional Comments
The insurance is not a credit shield but a term life insurnace policy offered to both the customer & the spouse. The sum assured is constant throughout the loan period & is taken as the 2K+ the loan amount.

Full Pricing Data

Bancos Comunales samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountBOB 1,200BOB 2,000BOB 4,500BOB 5,500BOB 8,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2014-01-032014-01-032014-01-052014-01-052014-01-05
Loan Term (Months)10.0 months12.0 months12.0 months9.0 months6.0 months
Grace Period (Months)0.1 months0.1 months0.2 months0.2 months0.2 months
Total Cost of CreditBOB 156.58BOB 382.76BOB 875.45BOB 919.07BOB 982.36
True Price by Comp         
Interest price component26.1%32.0%32.0%36.0%37.9%
Fee Component0.0%0.0%0.0%0.0%0.0%
Insurance Component1.0%1.1%1.1%1.0%1.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)27.1%33.1%33.1%37.0%38.9%
Transparency Index9679797067
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Standard Ticket Loan samples
Sample 1Sample 2Sample 3
Loan AmountINR 12,850INR 14,050INR 15,250
Loan Cycle (1, 2, 3, etc)1Not KnownNot Known
Disbursement Date2010-12-042010-12-042010-12-04
Loan Term (Months)16.8 months16.8 months16.8 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 Component30.3%30.3%30.2%
Insurance Component1.8%0.7%1.7%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)32.1%31.0%31.9%
MFIN MFI Earning (Annualised)30.3%30.3%30.2%
MFIN Cost to Borrower (Annualised)32.1%31.0%31.9%
Transparency Index848785
MFIN Transparency IndexN/AN/AN/A
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
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Key Statistics
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# 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
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