| Number borrowers | 1,235 |
| Loan Amount (range) | USD 200 - 12,000 |
| Loan Term (range) | 6 - 96 |
| Other Services (text summary) | Credit Ins |
| Annual Interest & Method | 12.0%-36.0% annual, Decl Bal |
| Fees | None |
| Insurance | 0.09%-0.10% upfront 0.05%-0.82% 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) | 19.1% - 37.0% |
| Transparency Index (min/max) | 32 - 96 |
| Transparency Index (average) | 48 |
| 180 |
| USD 500 - 1,500 |
| 6 - 15 |
| Credit Educ, Group Mtgs, Credit Ins, Business Training, Capacitación en proyectos de vida y espíritu emprendedor |
| 14.0%-18.5% annual, Decl Bal |
| 1.00% upfront |
| None |
| None |
| 5.00 ongoing |
| N/A |
| 18.8% (Int+Fee) |
| 0.1% - 5.3% |
| 0 |
| 20.8% - 21.2% |
| 0 - N/A |
| 66 |
| Outstanding portfolio (USD) | USD 1,858,914.10 |
| Portfolio (USD) | USD 1,858,914.10 |
| Active Clients with Loans | 1,235 |
| Approximate % Female Clients | 20% - 40% |
| 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 | |
| Other (2) |
| # Regions for this institution | 9 |
| # Regions for this product | 7 |
| Regions Active | Beni , Chuquisaca , Cochabamba , La Paz , Potosí, Santa Cruz, Tarija |
| Outstanding portfolio (USD) | USD 111,491 |
| Portfolio (USD) | USD 111,491 |
| Active Clients with Loans | 180 |
| Approximate % Female Clients | 60% - 80% |
| Approximate % Urban Clients | 80% - 100% |
| 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 | |
| Other (2) |
| Credit education | x |
| Group meetings | x |
| Credit insurance | x |
| Workplace visits | |
| Business training | x |
| Other training | |
| Other | Capacitación en proyectos de vida y espíritu emprendedor |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | Los grupos se conforman con personas de la misma zona de residencia |
| Other (2) | Se utiliza la garantía grupal |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Currency | USD |
| Minimum loan size | USD 200 |
| Maximum loan size | 12,000 |
| Loans less than USD 1,500 | 10% |
| USD 1,500-5,000 | 80% |
| USD 5,000-10,000 | 10% |
| USD 10,000-15,000 | 0 |
| USD 15,000-18,000 | 0 |
| Greater than USD 18,000 | 0 |
| Shortest loan term | 6.0 months |
| Longest loan term | 96.0 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 | 5% |
| Between 13 and 18 months | 15% |
| Longer than 18 months | 80% |
| 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 500 |
| Maximum loan size | 1,500 |
| Shortest loan term | 6.0 months |
| Longest loan term | 15.0 months |
| Approx average | 8.0 months |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| 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 | 0.05% |
| % of loan amount - max | 0.82% |
| 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 | 14.00% |
| Highest quoted nominal interest | 18.50% |
| Reason(s) why interest rate varies | Loan Purpose |
| 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 | 1.00% |
| % of loan amount - max | 1.00% |
| 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? | Yes |
| Do borrowers control deposit in their group? | Yes |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | USD 5 |
| Conditions on access to deposit | Access During |
| Minimum interest rate paid | 1.50% |
| Maximum interest rate paid | 4.00% |
| Interest payment frequency | Monthly |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | |||||
|---|---|---|---|---|---|---|---|---|---|
| Loan Amount | USD 1,200 | USD 3,000 | USD 5,000 | USD 5,000 | USD 10,000 | ||||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
| Disbursement Date | 2014-01-05 | 2014-01-10 | 2014-01-10 | 2014-01-06 | 2014-01-03 | ||||
| Loan Term (Months) | 20.0 months | 12.0 months | 18.0 months | 30.0 months | 12.0 months | ||||
| Grace Period (Months) | 0.2 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | ||||
| Total Cost of Credit | USD 215.27 | USD 425.36 | USD 1,420.74 | USD 2,769 | USD 1,064.09 | ||||
| True Price by Comp | |||||||||
| Interest price component | 18.1% | 24.1% | 32.0% | 36.0% | 18.1% | ||||
| Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
| Insurance Component | 1.0% | 1.0% | 1.1% | 1.0% | 1.1% | ||||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
| Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
| Full APR (int fee ins tax dep) | 19.1% | 25.1% | 33.1% | 37.0% | 19.2% | ||||
| Transparency Index | 63 | 48 | 36 | 32 | 63 | ||||
| Original Repayment Schedule | |||||||||
| MFT Pricing Calculation |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | USD 1,000 | USD 1,000 | USD 1,000 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2010-07-29 | 2010-08-18 | 2010-08-18 | ||
| Loan Term (Months) | 12.0 months | 10.0 months | 10.0 months | ||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
| Total Cost of Credit | Not Known | Not Known | Not Known | ||
| True Price by Comp | |||||
| Interest and Fee Component | 18.8% | 18.8% | 18.8% | ||
| Insurance Component | 1.9% | 2.3% | 2.3% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 0.1% | 0.2% | 0.2% | ||
| Full APR (int fee ins tax dep) | 20.8% | 21.2% | 21.2% | ||
| Transparency Index | 67 | 66 | 66 | ||
| 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 |
|---|---|---|---|---|---|---|---|
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