| Outstanding portfolio (BOB) | BOB 28,991,985 |
| Portfolio (USD) | USD 4,295,108.89 |
| Active Clients with Loans | 987 |
| Approximate % Female Clients | 0% - 20% |
| Approximate % Urban Clients | 0% - 20% |
| 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 | |
| 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 | |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | 7 |
| # Regions for this product | 7 |
| Regions Active | Chuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija |
| Currency | BOB |
| Minimum loan size | BOB 3,500 |
| Maximum loan size | 843,200 |
| Loans less than BOB 10,000 | 15% |
| BOB 10,000-40,000 | 20% |
| BOB 40,000-70,000 | 20% |
| BOB 70,000-100,000 | 15% |
| BOB 100,000-125,000 | 15% |
| Greater than BOB 125,000 | 15% |
| Shortest loan term | 12.0 months |
| Longest loan term | 96.0 months |
| Approx average | 48.0 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 | 30% |
| Longer than 18 months | 60% |
| Grace period usage | 10% |
| Average grace period | DK |
| Daily | |
| Weekly | |
| Every 2 weeks | x |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | x |
| Every 6 months | x |
| Every 12 months | x |
| Single end payment | x |
| Irregular payments | x |
| Lowest quoted nominal interest | 17.00% |
| Highest quoted nominal interest | 25.00% |
| Reason(s) why interest rate varies | Branch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | No |
| Ins 1 | |
|---|---|
| Description | Seguro de Desgravamen |
| % of loan amount - min | 0.60% |
| % of loan amount - max | 4.80% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | El costo es de 0.05% mensual, con cargo sólo en el saldo de capital pendiente del préstamo. |
| Appears on Repayment Sched? | 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 | |||
|---|---|---|---|---|---|
| Loan Amount | BOB 28,000 | BOB 42,000 | BOB 83,000 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2013-06-29 | 2013-05-04 | 2013-06-15 | ||
| Loan Term (Months) | 24.0 months | 37.0 months | 61.0 months | ||
| Grace Period (Months) | -0.3 months | 0.0 months | 0.0 months | ||
| Total Cost of Credit | BOB 6,531.44 | BOB 12,237.34 | BOB 44,985.57 | ||
| True Price by Comp | |||||
| Interest price component | 22.4% | 18.2% | 20.7% | ||
| Fee Component | 0.0% | 0.0% | 0.0% | ||
| Insurance Component | 0.6% | 0.6% | 0.6% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 0.0% | 0.0% | 0.0% | ||
| Full APR (int fee ins tax dep) | 23.0% | 18.8% | 21.3% | ||
| Transparency Index | 74 | 91 | 80 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| Action | 0 | 0 | 0 | 142 |
| Adok Timo | 4,200 | 570,000 | 4 | 174 |
| BIMAS | 11,100 | 4,679,000 | 7 | 142 |
| ECLOF Kenya | 20,500 | 5,455,000 | 8 | 142 |
| Equity Bank | 135,500 | 94,746,000 | 9 | 142 |
| Family Bank | 43,200 | 90,700,000 | 5 | 174 |
| Jamii Bora | 2,400 | 3,374,000 | 4 | 142 |
| Juhudi Kilimo | 10,400 | 4,436,000 | 2 | 142 |
| KADET | 12,900 | 5,402,000 | 4 | 142 |
| K-Rep | 0 | 0 | 0 | 142 |
| K-Rep Bank | 65,000 | 28,743,000 | 4 | 174 |
| KWFT DTM | 294,600 | 165,982,000 | 6 | 142 |
| LKL | 13,100 | 9,311,000 | 10 | 135 |
| MKL | 18,200 | 5,989,000 | 6 | 119 |
| Opportunity Kenya | 9,100 | 4,866,000 | 5 | 142 |
| PAWDEP | 40,900 | 7,133,000 | 2 | 142 |
| RAFODE | 2,900 | 356,000 | 1 | 142 |
| SISDO | 7,300 | 3,657,000 | 11 | 142 |
| Yehu | 14,000 | 3,149,000 | 11 | 142 |
| 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 |
|---|---|---|---|---|---|---|---|
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