Outstanding portfolio (BOB) | BOB 536,771,180.20 |
Portfolio (USD) | USD 79,521,656.33 |
Active Clients with Loans | 5,329 |
Approximate % Female Clients | 20% - 40% |
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 |
Currency | BOB |
Minimum loan size | BOB 400 |
Maximum loan size | 2,000,000 |
Loans less than BOB 10,000 | 0 |
BOB 10,000-40,000 | 5% |
BOB 40,000-70,000 | 10% |
BOB 70,000-100,000 | 30% |
BOB 100,000-125,000 | 30% |
Greater than BOB 125,000 | 30% |
Shortest loan term | 37.0 months |
Longest loan term | 120.0 months |
Approx average | 56.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 0 |
Between 13 and 18 months | 0 |
Longer than 18 months | 100% |
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 | 10.00% |
Highest quoted nominal interest | 17.00% |
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 | 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 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | BOB 45,000 | BOB 80,500 | BOB 102,900 | BOB 137,200 | |||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
Disbursement Date | 2013-04-16 | 2013-10-28 | 2013-06-20 | 2013-11-22 | |||
Loan Term (Months) | 48.0 months | 58.0 months | 61.0 months | 61.0 months | |||
Grace Period (Months) | 0.0 months | 0.2 months | -0.2 months | 0.4 months | |||
Total Cost of Credit | BOB 11,710.26 | BOB 25,844.41 | BOB 37,227.42 | BOB 69,160.31 | |||
True Price by Comp | |||||||
Interest price component | 12.9% | 13.2% | 14.2% | 17.1% | |||
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) | 12.9% | 13.2% | 14.2% | 17.1% | |||
Transparency Index | 77 | 76 | 70 | 59 | |||
Original Repayment Schedule | |||||||
MFT Pricing Calculation |
Institution Type | Credit Union / Cooperative |
Is this institution regulated? | Yes |
Website address | N/A |
Year established | 2009 |
Head of Institution | Phyllis Ayetey |
Regions active | Northern Region |
# Branches | 0 |
Total Portfolio (nat'l) | 0 |
Total Portfolio (USD) | 0 |
Active clients with loans | 0 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 80% - 100% |
Network affiliations | Credit Union Association (CUA), GHAMFIN |
Funders | Christian Children's Fund of Canada |
Key Statistics | |
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# 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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