Outstanding portfolio (BOB) | BOB 133,382,092.40 |
Portfolio (USD) | USD 19,760,309.99 |
Active Clients with Loans | 1,315 |
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 | 5% |
BOB 70,000-100,000 | 40% |
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 | 8.50% |
Highest quoted nominal interest | 15.00% |
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 | |||
---|---|---|---|---|---|
Loan Amount | BOB 100,000 | BOB 102,900 | BOB 5,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2013-01-12 | 2013-06-05 | 2013-04-09 | ||
Loan Term (Months) | 61.0 months | 52.0 months | 5.3 months | ||
Grace Period (Months) | 0.1 months | 0.4 months | 0.2 months | ||
Total Cost of Credit | BOB 30,137 | BOB 28,495.01 | BOB 177.66 | ||
True Price by Comp | |||||
Interest price component | 10.8% | 12.5% | 13.1% | ||
Fee Component | 0.0% | 0.0% | 0.0% | ||
Insurance Component | 0.0% | 0.0% | 0.0% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 0.0% | 0.0% | 0.0% | ||
Full APR (int fee ins tax dep) | 10.8% | 12.5% | 13.1% | ||
Transparency Index | 79 | 68 | 65 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
Adhikar | 35,300 | 2,674,000 | 1 | 136 |
AMPL | 0 | 0 | 0 | 136 |
Arman | 41,500 | 529,107,000 | 1 | 136 |
Arohan | 43,500 | 8,091,000 | 2 | 136 |
ASA INDIA | 164,000 | 15,380,000 | 1 | 136 |
Asirvad | 113,500 | 19,328,000 | 1 | 136 |
Asmitha | 1,114,800 | 217,867,000 | 1 | 136 |
Bandhan | 4,048,600 | 674,564,000 | 5 | 136 |
Belstar | 123,000 | 23,945,000 | 2 | 115 |
BSFL | 275,200 | 31,590,000 | 3 | 136 |
Chaitanya | 20,700 | 3,748,000 | 3 | 136 |
Disha Microfin | 69,000 | 14,332,000 | 2 | 136 |
Equitas | 1,220,000 | 186,415,000 | 4 | 136 |
ESAF | 354,200 | 43,500,000 | 5 | 136 |
FFSL | 150,600 | 35,719,000 | 2 | 136 |
Fusion | 66,800 | 9,820,000 | 2 | 136 |
Grama Vidiyal | 738,200 | 102,101,000 | 1 | 136 |
Grameen Koota | 586,600 | 83,555,000 | 15 | 138 |
Janalakshmi | 506,000 | 119,077,000 | 2 | 136 |
L & T Finance | 399,800 | 37,199,000 | 1 | 136 |
MFL | 331,800 | 49,083,000 | 1 | 136 |
MMFL | 175,000 | 23,752,000 | 2 | 136 |
Mpower | 13,600 | 2,263,000 | 2 | 136 |
Sahayata | 0 | 0 | 0 | 136 |
Saija | 24,700 | 4,682,000 | 2 | 136 |
Samasta | 45,500 | 4,809,000 | 2 | 136 |
Satin | 405,600 | 90,174,000 | 2 | 136 |
SCCI | 115,600 | 15,910,000 | 2 | 136 |
Share | 2,195,400 | 376,727,000 | 1 | 136 |
SKS | 3,409,000 | 355,029,000 | 2 | 136 |
SMILE | 360,200 | 56,927,000 | 1 | 136 |
SNFL | 9,400 | 1,779,000 | 1 | 136 |
Sonata Finance | 158,200 | 22,724,000 | 3 | 138 |
Spandana | 533,400 | 147,240,000 | 2 | 136 |
Suryoday | 78,600 | 14,713,000 | 3 | 136 |
SVCL | 118,200 | 18,886,000 | 1 | 136 |
Swadhaar | 92,800 | 17,166,000 | 3 | 136 |
Trident | 68,700 | 8,852,000 | 1 | 136 |
Ujjivan | 913,300 | 160,848,000 | 5 | 136 |
Utkarsh | 168,600 | 25,915,000 | 3 | 136 |
VFS | 175,400 | 19,264,000 | 2 | 136 |
Asomi | 50,300 | 4,743,000 | 2 | 169 |
AES India | 3,600 | 286,000 | 1 | 169 |
Arth | 2,900 | 611,000 | 2 | 169 |
Asomi | 50,300 | 4,743,000 | 2 | 169 |
Barasat GS | 1,100 | 99,508.02 | 1 | 169 |
BJS | 6,000 | 468,000 | 1 | 169 |
Cashpor | 417,000 | 50,452,000 | 1 | 168 |
Credible | 10,000 | 1,669,540.36 | 2 | 169 |
DIBAKAR | 1,800 | 145,000 | 1 | 168 |
GOF | 65,200 | 5,388,000 | 4 | 168 |
Hope | 62,600 | 4,407,000 | 1 | 166 |
Jaago | 2,700 | 237,000 | 1 | 167 |
LOK | 4,900 | 573,000 | 1 | 168 |
Nano | 25,600 | 3,660,000 | 2 | 169 |
NBSAAVS | 28,100 | 2,821,000 | 1 | 166 |
Nirantara | 8,200 | 917,000 | 2 | 168 |
Parama | 7,100 | 482,000 | 1 | 168 |
Pragathi | 26,200 | 4,579,000 | 6 | 168 |
PWMACS | 36,500 | 5,946,000 | 1 | 168 |
Saadhana | 90,900 | 12,046,000 | 2 | 168 |
Sambhav | 1,500 | 183,000 | 3 | 168 |
Seba Rahara | 6,700 | 468,000 | 1 | 168 |
SU | 61,100 | 5,498,000 | 1 | 168 |
Swayanshree | 7,900 | 918,000 | 2 | 168 |
Vikas Samiti | 1,600 | 168,000 | 1 | 168 |
Vistaar | 4,300 | 1,157,000 | 2 | 166 |
We The People | 1,100 | 244,000 | 2 | 168 |
WEMCS | 1,100 | 85,000 | 1 | 168 |
Yukti | 1,100 | 99,000 | 2 | 168 |
Key Statistics | |
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# 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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