Outstanding portfolio (BOB) | BOB 153,131,802.90 |
Portfolio (USD) | USD 22,686,193.02 |
Active Clients with Loans | 10,574 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 80% - 100% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | |
Mortgage/housing | x |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | Compra o construción de Vivienda |
Other (2) | Compra de Terreno |
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 | N/A |
# Regions for this product | N/A |
Regions Active |
Currency | BOB |
Minimum loan size | BOB 800 |
Maximum loan size | 140,000 |
Shortest loan term | 4.0 months |
Longest loan term | 145.0 months |
Approx average | 34.0 months |
Grace period usage | 10% |
Average grace period | DK |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | x |
Every 6 months | |
Every 12 months | |
Single end payment | x |
Irregular payments | x |
Lowest quoted nominal interest | 7.00% |
Highest quoted nominal interest | 36.00% |
Reason(s) why interest rate varies | Time as Client, Loan Size, Loan Purpose |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | |
Is rate fixed for entire loan term | No |
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 2,800 | BOB 6,591.77 | BOB 15,000 | BOB 28,000 | BOB 56,600 | BOB 80,000 | |||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
Disbursement Date | 2010-01-06 | 2010-05-19 | 2010-05-31 | 2010-05-07 | 2010-06-18 | 2010-06-11 | |||||
Loan Term (Months) | 12.0 months | 12.0 months | 9.0 months | 36.0 months | 24.0 months | 48.0 months | |||||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||||
Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
True Price by Comp | |||||||||||
Interest and Fee Component | 30.5% | 25.3% | 24.3% | 22.4% | 19.5% | 17.2% | |||||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
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) | 30.5% | 25.3% | 24.3% | 22.4% | 19.5% | 17.2% | |||||
Transparency Index | 23 | 28 | 29 | 31 | 36 | 41 | |||||
Original Repayment Schedule | |||||||||||
MFT Pricing Calculation |
Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
ACB-SA | 4,335 | 1,476,288 | 6 | 140 |
Comicoka | 827 | 758,435 | 4 | 140 |
COOJAD | 511 | 823,215 | 6 | 140 |
COOPEDU | 2,029 | 7,549,835 | 9 | 140 |
Duterimbere | 6,607 | 4,365,044 | 3 | 140 |
Goshen | 2,076 | 3,716,008 | 5 | 158 |
Inkingi | 2,648 | 2,593,366 | 5 | 158 |
RML | 4,960 | 3,473,781 | 3 | 140 |
UCU | 3,391 | 1,603,524 | 4 | 140 |
Urwego | 37,900 | 14,755,000 | 6 | |
Vision Finance | 14,226 | 3,474,646 | 6 | 158 |
Wisigara | 2,177 | 904,708 | 3 | 140 |
Zamuka | 253 | 124,445 | 3 | 140 |
Zigama CSS | 53,806 | 59,670,753 | 2 | 158 |
Key Statistics | |
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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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