Outstanding portfolio (BOB) | BOB 29,086,495.97 |
Portfolio (USD) | USD 4,309,110.51 |
Active Clients with Loans | 3,148 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 20% - 40% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | x |
Consumer loan | x |
Agriculture | x |
Education | x |
Other household finance | |
Other | Capital de Operación - Inversión |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | Para las Unidades Fami-Empresarial |
Other (2) |
# Regions for this institution | 9 |
# Regions for this product | 9 |
Regions Active | Beni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija |
Currency | BOB |
Minimum loan size | BOB 1,000 |
Maximum loan size | 70,000 |
Loans less than BOB 10,000 | 30% |
BOB 10,000-40,000 | 70% |
BOB 40,000-70,000 | 0 |
BOB 70,000-100,000 | 0 |
BOB 100,000-125,000 | 0 |
Greater than BOB 125,000 | 0 |
Shortest loan term | 4.0 months |
Longest loan term | 69.0 months |
Approx average | dk |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 10% |
Between 13 and 18 months | 30% |
Longer than 18 months | 60% |
Grace period usage | 10% |
Average grace period | DK |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | x |
Quarterly | x |
Every 6 months | x |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 12.00% |
Highest quoted nominal interest | 36.00% |
Reason(s) why interest rate varies | Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Ins 1 | |
---|---|
Description | Seguro de desgravamen |
% of loan amount - min | 0.09% |
% of loan amount - max | 0.10% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | La 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 |
Ins 1 | |
---|---|
Description | Seguro de desgravamen |
% of loan amount - min | 0.03% |
% of loan amount - max | 0.59% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | Comisión de 0.085% mensual aplicado sólo al saldo del capital remanente del crédito. |
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 | Sample 4 | Sample 5 | Sample 6 | ||||||
---|---|---|---|---|---|---|---|---|---|---|---|
Loan Amount | BOB 7,100 | BOB 8,000 | BOB 14,500 | BOB 35,000 | BOB 40,000 | BOB 40,000 | |||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
Disbursement Date | 2014-01-15 | 2014-01-05 | 2014-01-05 | 2014-01-03 | 2014-01-06 | 2014-01-03 | |||||
Loan Term (Months) | 10.0 months | 16.0 months | 12.0 months | 18.0 months | 12.0 months | 24.0 months | |||||
Grace Period (Months) | -0.3 months | 0.0 months | 0.2 months | 0.0 months | -0.1 months | 0.0 months | |||||
Total Cost of Credit | BOB 791.16 | BOB 1,758.43 | BOB 1,413.37 | BOB 9,302.56 | BOB 6,041.55 | BOB 17,214.93 | |||||
True Price by Comp | |||||||||||
Interest price component | 24.1% | 28.1% | 16.1% | 30.1% | 26.1% | 36.0% | |||||
Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Insurance Component | 1.0% | 1.0% | 1.1% | 1.0% | 1.0% | 1.0% | |||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Full APR (int fee ins tax dep) | 25.1% | 29.1% | 17.2% | 31.1% | 27.1% | 37.0% | |||||
Transparency Index | 48 | 41 | 70 | 39 | 44 | 32 | |||||
Original Repayment Schedule | |||||||||||
MFT Pricing Calculation |
Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
Banco Solidario | 79,700 | 221,716,000 | 1 | 167 |
CEPESIU | 2,000 | 939,000 | 4 | 167 |
COAC 4 Octubre | 2,200 | 5,771,000 | 2 | 167 |
COAC Ambato | 1,300 | 16,415,000 | 2 | 167 |
COAC FondVida | 2,500 | 4,200,000 | 4 | 167 |
COAC LaBenefica | 2,500 | 8,482,000 | 6 | 167 |
COAC MCCH | 5,300 | 10,020,000 | 2 | 167 |
COAC Nacional | 30,700 | 27,129,000 | 2 | 167 |
COAC San José | 10,400 | 29,133,000 | 5 | 167 |
COAC SanAntonio | 1,000 | 2,384,000 | 3 | 167 |
COAC SantaAnita | 2,000 | 2,532,000 | 6 | 167 |
Codesarrollo | 14,400 | 40,328,000 | 7 | 167 |
Coop San Miguel | 1,800 | 4,754,000 | 5 | 164 |
CooP VPR | 700 | 1,052,000 | 4 | 167 |
Cooprogreso | 7,900 | 32,244,000 | 4 | 167 |
Credi Fe | 100,900 | 380,039,000 | 4 | 167 |
D^Miro | 36,900 | 27,692,000 | 9 | 160 |
DECOF | 2,200 | 705,000 | 2 | 167 |
Espoir | 62,100 | 21,036,000 | 5 | 167 |
FODEMI | 28,200 | 12,924,000 | 3 | 167 |
Fundacion Alternativa | 4,300 | 5,545,000 | 2 | 167 |
FUNDAMIC | 2,000 | 1,468,000 | 2 | 167 |
INSOTEC | 7,000 | 6,047,000 | 4 | 167 |
Luz del Valle | 6,400 | 11,300,000 | 3 | 167 |
ProCredit | 43,800 | 211,941,000 | 2 | 167 |
PS Ambato | 5,600 | 2,771,000 | 1 | 167 |
Key Statistics | |
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# Products | |
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# 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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