2. Banco FIE
Please note that the information you are viewing is 130 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. INMAA
Please note that the information you are viewing is 134 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Banco FIE Calle General Gonzales 1272 Zona San PedroLa Paz, La Paz
Data approved: 2013-10-02
Data version: 1
Age of data: 130 months

Institution

Institution Marocaine d'Appui la Micro Entreprise Angle rue Maamora et rue reine Elisabeth IIImmeuble Nafora, Appartement 2Kénitra14000
Data approved: 2013-04-24
Data version: 1
Age of data: 134 months

Product

Créditos Garantia Vehículo (BOB) Product 3 of 8 « Prev | Next »

Product

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Product Summary

Number borrowers174,304
Loan Amount (range)BOB 200 - 1,175,804
Loan Term (range)1 - 120
Other Services (text summary)Credit Educ
Annual Interest & Method12.0%-17.0% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component12.5% - 26.6%
Fee Component0
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)13.8% - 16.6%
Transparency Index (min/max)37 - 83
Transparency Index (average)53

Product Summary

1,684
MAD 500 - 10,000
4 - 12
24.0% annual, Flat
1.00% upfront
22.00-34.00 upfront
None
N/A
 
40.4% - 43.2%
2.0% - 3.8%
0.3% - 6.2%
0
45.2% - 51.2%
47 - 56
50

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 2,080,670,887
Portfolio (USD)USD 308,247,538.80
Active Clients with Loans174,304
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Créditos en Bolivianos con respaldo de Registro de Vehículo y/o Garantía Prendaria sujeta a Registro y/o Fondo de garantia.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
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 product9
Regions ActiveBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (MAD)MAD 4,753,508
Portfolio (USD)USD 559,236.24
Active Clients with Loans1,684
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Produit solidaire destiné aux AGR et aux microentrepreneurs Groupes solidaires de 2 à 5 Personnes. Maturité de 4 à 12 mois Montant 500 à 10 000 MAD
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
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
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 institution5
# Regions for this product5
Regions ActiveRabat-Sale-Kenitra, Beni Mellal-Khenifra, Settat-Casablanca, Marrakesh-Safi, Drâa-Tafilalt

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 200
Maximum loan size1,175,804
Distribution at Disbursement (Est.)
Loans less than BOB 10,00050%
BOB 10,000-40,00040%
BOB 40,000-70,0005%
BOB 70,000-100,0005%
BOB 100,000-125,0000
Greater than BOB 125,0000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term120.0 months
Approx average25.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months15%
Between 13 and 18 months15%
Longer than 18 months60%
Grace Period
Grace period usage10%
Average grace periodDK
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 monthsx
Every 12 monthsx
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyMAD
Minimum loan sizeMAD 500
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than MAD 5,00070%
MAD 5,000-15,00030%
MAD 15,000-25,0000
MAD 25,000-35,0000
MAD 35,000-45,0000
Greater than MAD 45,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term12.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months80%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest12.00%
Highest quoted nominal interest17.00%
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?No
Is rate fixed for entire loan termNo
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
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

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest2.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionFrais de Dossier
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionDécès, Invalidité
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min22
Fixed amount - max34
Reason for variation(Moins 5 000 - Assurances Annuel 22MAD/entre 5 000 et 10 000 - Assurances Annuel 28MAD/ Plus 10 000 -Assurances Annuel 34 MAD)
Appears on Repayment Sched?No
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

Full Pricing Data

Créditos Garantia Vehículo (BOB) samples
Sample 1Sample 2Sample 3
Loan AmountBOB 1,000BOB 5,820BOB 41,900
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-11-262013-11-262013-11-26
Loan Term (Months)9.0 months12.0 months97.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditBOB 58.03BOB 463.33BOB 28,629.21
True Price by Comp     
Interest price component13.8%14.5%16.6%
Fee Component0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)13.8%14.5%16.6%
Transparency Index585548
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Solidaire samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountMAD 1,000MAD 2,500MAD 5,000MAD 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-262013-01-222013-01-102013-02-25
Loan Term (Months)10.0 months10.0 months12.0 months5.9 months
Grace Period (Months)-0.3 months-0.1 months-0.1 months-0.2 months
Total Cost of CreditMAD 232MAD 547MAD 1,278MAD 1,328
True Price by Comp       
Interest price component43.2%42.5%42.0%41.8%
Fee Component2.5%2.4%2.0%3.8%
Insurance Component5.5%2.1%1.2%1.1%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)51.2%47.0%45.2%46.7%
Transparency Index47515351
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
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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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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