Number borrowers | 107,618 |
Loan Amount (range) | BOB 400 - 95,000 |
Loan Term (range) | 3 - 60 |
Other Services (text summary) | Credit Ins |
Annual Interest & Method | 17.0%-24.0% annual, Decl Bal |
Fees | None |
Insurance | None |
Tax | None |
Comp Dep | N/A |
Range of pricing | |
Interest Price Component | 7.8% - 28.0% |
Fee Component | 0 |
Insurance Component | 0 |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 17.1% - 21.1% |
Transparency Index (min/max) | 52 - 101 |
Transparency Index (average) | 90 |
Outstanding portfolio (BOB) | BOB 2,505,702,746 |
Portfolio (USD) | USD 371,215,221.60 |
Active Clients with Loans | 107,618 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 80% - 100% |
Individual | x |
Solidarity group | |
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 | |
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 | 9 |
Regions Active | Beni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija |
Outstanding portfolio (GHS) | GHS 37,000 |
Portfolio (USD) | USD 18,781.73 |
Active Clients with Loans | 4 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 80% - 100% |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
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 | Either run business OR be salaried |
Other (2) |
# Regions for this institution | 1 |
# Regions for this product | N/A |
Regions Active |
Currency | BOB |
Minimum loan size | BOB 400 |
Maximum loan size | 95,000 |
Loans less than BOB 10,000 | 20% |
BOB 10,000-40,000 | 50% |
BOB 40,000-70,000 | 30% |
BOB 70,000-100,000 | 0 |
BOB 100,000-125,000 | 0 |
Greater than BOB 125,000 | 0 |
Shortest loan term | 3.0 months |
Longest loan term | 60.0 months |
Approx average | 32.0 months |
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 | 10% |
Longer than 18 months | 80% |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | x |
Quarterly | x |
Every 6 months | x |
Every 12 months | x |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 17.00% |
Highest quoted nominal interest | 24.00% |
Reason(s) why interest rate varies | Loan Size, Collateral, Plazo |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | 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 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | BOB 4,600 | BOB 16,400 | BOB 40,000 | BOB 95,000 | |||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
Disbursement Date | 2013-08-15 | 2013-01-25 | 2013-06-06 | 2013-10-30 | |||
Loan Term (Months) | 18.0 months | 19.0 months | 15.0 months | 22.0 months | |||
Grace Period (Months) | -0.4 months | 0.4 months | 0.1 months | 0.3 months | |||
Total Cost of Credit | BOB 623.16 | BOB 3,051.32 | BOB 4,841.46 | BOB 19,610.88 | |||
True Price by Comp | |||||||
Interest price component | 17.1% | 21.1% | 17.1% | 20.6% | |||
Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Full APR (int fee ins tax dep) | 17.1% | 21.1% | 17.1% | 20.6% | |||
Transparency Index | 99 | 81 | 99 | 82 | |||
Original Repayment Schedule | |||||||
MFT Pricing Calculation |
Key Statistics | |
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Loan Portfolio (USD) | |
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% Products with one or more insurances | |
% Products with compulsory deposits |
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