| Number borrowers | 3,480 |
| Loan Amount (range) | BOB 400 - 80,000 |
| Loan Term (range) | 3 - 60 |
| Other Services (text summary) | Credit Ins |
| Annual Interest & Method | 13.0%-20.0% 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) | 13.1% - 19.6% |
| Transparency Index (min/max) | 52 - 101 |
| Transparency Index (average) | 81 |
| 5,400 |
| USD 200 - 20,000 |
| 8 - 10 |
| Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits |
| 25.7% annual, Decl Bal |
| 1.20% ongoing |
| None |
| None |
| 3.0% upfront |
| N/A |
| 26.1% - 29.6% (Int+Fee) |
| -1.3% - 3.0% |
| 0 |
| 29.2% - 33.7% |
| 76 - 100 |
| 84 |
| Outstanding portfolio (BOB) | BOB 111,922,270 |
| Portfolio (USD) | USD 16,581,077.04 |
| Active Clients with Loans | 3,480 |
| Approximate % Female Clients | 20% - 40% |
| Approximate % Urban Clients | 40% - 60% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | x |
| 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 (USD) | USD 638,600 |
| Portfolio (USD) | USD 638,600 |
| Active Clients with Loans | 5,400 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 20% - 40% |
| Individual | |
| Solidarity group | |
| Village banking | x |
| Self help group | |
| Other |
| Any purpose | x |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | x |
| Credit insurance | x |
| Workplace visits | x |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | |
| Women | x |
| Must run a business | |
| 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 400 |
| Maximum loan size | 80,000 |
| Loans less than BOB 10,000 | 20% |
| BOB 10,000-40,000 | 40% |
| BOB 40,000-70,000 | 40% |
| 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 | 35.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 0 |
| Between 7 and 9 months | 0 |
| Between 10 and 12 months | 5% |
| Between 13 and 18 months | 5% |
| Longer than 18 months | 90% |
| 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 |
| Currency | USD |
| Minimum loan size | USD 200 |
| Maximum loan size | 20,000 |
| Shortest loan term | 8.0 months |
| Longest loan term | 10.0 months |
| Approx average | 0 |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | x |
| Every 2 weeks | x |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 13.00% |
| Highest quoted nominal interest | 20.00% |
| Reason(s) why interest rate varies | Loan Size, Collateral |
| 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 |
| Lowest quoted nominal interest | 25.70% |
| Highest quoted nominal interest | 25.70% |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Seguro de Desgravamen |
| % of loan amount - min | 1.20% |
| % of loan amount - max | 1.20% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | Yes |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | Yes |
| Do borrowers control deposit in their group? | Yes |
| % loan amount deposited | 3.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit | End Term |
| Minimum interest rate paid | 2.00% |
| Maximum interest rate paid | 3.00% |
| Interest payment frequency | Monthly |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | BOB 20,000 | BOB 42,000 | BOB 72,000 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2013-11-19 | 2013-04-26 | 2014-04-07 | ||
| Loan Term (Months) | 18.0 months | 24.0 months | 37.0 months | ||
| Grace Period (Months) | -0.4 months | -0.3 months | 0.0 months | ||
| Total Cost of Credit | BOB 3,119.90 | BOB 5,626.79 | BOB 18,315 | ||
| True Price by Comp | |||||
| Interest price component | 19.6% | 13.1% | 16.4% | ||
| 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) | 19.6% | 13.1% | 16.4% | ||
| Transparency Index | 66 | 99 | 79 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
|---|---|---|---|---|---|---|---|
| Loan Amount | USD 3,500 | USD 3,800 | USD 4,000 | USD 4,300 | |||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
| Disbursement Date | 2010-09-10 | 2010-08-26 | 2010-09-08 | 2010-08-31 | |||
| Loan Term (Months) | 7.0 months | 8.0 months | 7.0 months | 6.0 months | |||
| Grace Period (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 | |||
| True Price by Comp | |||||||
| Interest and Fee Component | 29.6% | 29.6% | 26.1% | 26.1% | |||
| Insurance Component | -1.3% | 3.0% | 2.3% | 3.0% | |||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Deposit Component | 5.3% | -3.4% | 0.8% | 0.8% | |||
| Full APR (int fee ins tax dep) | 33.7% | 29.2% | 29.2% | 29.9% | |||
| Transparency Index | 76 | 88 | 88 | 86 | |||
| Original Repayment Schedule | |||||||
| MFT Pricing Calculation |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
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