| Number borrowers | 3,148 |
| Loan Amount (range) | BOB 1,000 - 70,000 |
| Loan Term (range) | 4 - 69 |
| Other Services (text summary) | Credit Ins |
| Annual Interest & Method | 12.0%-36.0% annual, Decl Bal |
| Fees | None |
| Insurance | 0.09%-0.10% upfront 0.03%-0.59% ongoing |
| Tax | None |
| Comp Dep | N/A |
| Range of pricing | |
| Interest Price Component | 16.1% - 37.9% |
| Fee Component | 0 |
| Insurance Component | 1.0% - 1.1% |
| Tax Component Range | 0 |
| Full APR (int fee ins tax dep) | 17.2% - 37.0% |
| Transparency Index (min/max) | 32 - 96 |
| Transparency Index (average) | 45 |
| 1,174 |
| USD 300 - 2,000 |
| 3 - 18 |
| Group Mtgs, Credit Ins, Tech Asst Visits, Business Training |
| 23.9% annual, Decl Bal |
| 3.00% upfront |
| None |
| None |
| 7.0% upfront 7.00% ongoing |
| N/A |
| 22.4% - 23.6% (Int+Fee) |
| 7.2% - 11.0% |
| 0 |
| 38.4% - 39.6% |
| 35 - 62 |
| 61 |
| 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 |
| Outstanding portfolio (USD) | USD 345,798 |
| Portfolio (USD) | USD 345,798 |
| Active Clients with Loans | 1,174 |
| Approximate % Female Clients | 60% - 80% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | |
| Solidarity group | x |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | Capital de Trabajo |
| Other (2) |
| Credit education | |
| Group meetings | x |
| Credit insurance | x |
| Workplace visits | x |
| Business training | x |
| 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 | |
| Other (2) |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| 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 |
| Currency | USD |
| Minimum loan size | USD 300 |
| Maximum loan size | 2,000 |
| Shortest loan term | 3.0 months |
| Longest loan term | 18.0 months |
| Approx average | 6.5 months |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | x |
| Every 2 weeks | x |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| 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 |
| Lowest quoted nominal interest | 23.85% |
| Highest quoted nominal interest | 23.85% |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Seguro de Desgravamen |
| % of loan amount - min | 3.00% |
| % of loan amount - max | 3.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | |
| Appears on Repayment Sched? | No |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | |
| Do borrowers control deposit in their group? | Yes |
| % loan amount deposited | 7.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 7.00% |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit | Final Pmt |
| Minimum interest rate paid | 2.50% |
| Maximum interest rate paid | 2.50% |
| Interest payment frequency | End Term |
| 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 |
| Sample 1 | Sample 2 | ||
|---|---|---|---|
| Loan Amount | USD 412 | USD 927 | |
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | |
| Disbursement Date | 2010-05-18 | 2010-05-19 | |
| Loan Term (Months) | 6.0 months | 8.0 months | |
| Grace Period (Months) | 0.0 months | 0.0 months | |
| Total Cost of Credit | Not Known | Not Known | |
| True Price by Comp | |||
| Interest and Fee Component | 22.4% | 23.6% | |
| Insurance Component | 11.0% | 8.7% | |
| Tax Component | 0.0% | 0.0% | |
| Deposit Component | 6.2% | 6.2% | |
| Full APR (int fee ins tax dep) | 39.6% | 38.4% | |
| Transparency Index | 60 | 62 | |
| Original Repayment Schedule | |||
| MFT Pricing Calculation |
| Key Statistics | |
|---|---|
| # Samples: | |
| # Products | |
| # Institutions | |
| # 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
