| Number borrowers | 18,879 |
| Loan Amount (range) | BOB 700 - 70,000 |
| Loan Term (range) | 3.03 - 87.8 |
| Other Services (text summary) | Credit Educ, Credit Ins, Business Training, Other Training, Capacitación en temas de salud |
| Annual Interest & Method | 12.0%-24.0% annual, Decl Bal |
| Fees | None |
| Insurance | None |
| Tax | None |
| Comp Dep | N/A |
| Range of pricing | |
| Interest Price Component | 16.3% - 36.0% |
| Fee Component | 0 |
| Insurance Component | 0 |
| Tax Component Range | 0 |
| Full APR (int fee ins tax dep) | 17.4% - 23.7% |
| Transparency Index (min/max) | 51 - 101 |
| Transparency Index (average) | 62 |
| 5,082 |
| GHS 100 - 1,000 |
| 4 |
| Credit Educ, Group Mtgs, Health and nutrition training, Clean up exercises (sanitation) |
| 36.00% annual, Flat |
| None |
| None |
| None |
| 10.00% upfront |
| 63.1% - 91.9% |
| 0 - 19.1% |
| 0 |
| 0 |
| 75.6% |
| 48 - 59 |
| 47 |
| Outstanding portfolio (BOB) | BOB 320,459,842 |
| Portfolio (USD) | USD 47,475,532.15 |
| Active Clients with Loans | 18,879 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 40% - 60% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | x |
| Consumer loan | |
| Agriculture | |
| Education | x |
| Other household finance | x |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | x |
| Other training | x |
| Other | Capacitación en temas de salud |
| 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 1,575,561 |
| Portfolio (USD) | USD 799,777.16 |
| Active Clients with Loans | 5,082 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 80% - 100% |
| Individual | |
| Solidarity group | x |
| Village banking | |
| Self help group | x |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | x |
| Credit insurance | |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | Health and nutrition training |
| Other (2) | Clean up exercises (sanitation) |
| No other services |
| Men | |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | Must be a group member and must have lived in the community for at least one year |
| Other (2) | Must have group guarantee |
| # Regions for this institution | 1 |
| # Regions for this product | 1 |
| Regions Active | Northern Region |
| Currency | BOB |
| Minimum loan size | BOB 700 |
| Maximum loan size | 70,000 |
| Loans less than BOB 10,000 | 30% |
| BOB 10,000-40,000 | 60% |
| BOB 40,000-70,000 | 10% |
| 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 | 87.8 months |
| Approx average | 32.2 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 | 10% |
| 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 | |
| Single end payment | |
| Irregular payments | x |
| Currency | GHS |
| Minimum loan size | GHS 100 |
| Maximum loan size | 1,000 |
| Loans less than GHS 1,000 | 100% |
| GHS 1,000-5,000 | 0 |
| GHS 5,000-7,500 | 0 |
| GHS 7,500-10,000 | 0 |
| GHS 10,000-13,000 | 0 |
| Greater than GHS 13,000 | 0 |
| Shortest loan term | 4.0 months |
| Longest loan term | 4.0 months |
| Approx average | 4.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 100% |
| Between 7 and 9 months | 0 |
| Between 10 and 12 months | 0 |
| Between 13 and 18 months | 0 |
| Longer than 18 months | 0 |
| Grace period usage | 100% |
| Average grace period | 0.2 months |
| Daily | |
| Weekly | x |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 12.00% |
| Highest quoted nominal interest | 24.00% |
| Reason(s) why interest rate varies | 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 | 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 | 36.00% |
| Highest quoted nominal interest | 36.00% |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Flat |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | No |
| Do borrowers control deposit in their group? | Yes |
| % loan amount deposited | 10.00% |
| 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 | 0 |
| Maximum interest rate paid | 0 |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | BOB 9,000 | BOB 25,000 | BOB 35,000 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2013-12-06 | 2013-12-05 | 2014-04-01 | ||
| Loan Term (Months) | 15.0 months | 24.0 months | 37.0 months | ||
| Grace Period (Months) | 0.0 months | 0.1 months | 0.0 months | ||
| Total Cost of Credit | BOB 1,107.30 | BOB 4,555.95 | BOB 12,950 | ||
| True Price by Comp | |||||
| Interest price component | 18.3% | 17.4% | 23.7% | ||
| 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) | 18.3% | 17.4% | 23.7% | ||
| Transparency Index | 66 | 69 | 51 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
|---|---|---|---|---|---|---|---|
| Loan Amount | GHS 300 | GHS 400 | GHS 500 | GHS 600 | |||
| Loan Cycle (1, 2, 3, etc) | 2 | 2 | 2 | 2 | |||
| Disbursement Date | 2013-01-18 | 2013-01-18 | 2013-01-18 | 2013-01-18 | |||
| Loan Term (Months) | 4.0 months | 4.0 months | 4.0 months | 4.0 months | |||
| Grace Period (Months) | 0.2 months | 0.2 months | 0.2 months | 0.2 months | |||
| Total Cost of Credit | GHS 36 | GHS 48 | GHS 60 | GHS 72 | |||
| True Price by Comp | |||||||
| Interest price component | 63.1% | 63.1% | 63.1% | 63.1% | |||
| 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 | 12.5% | 12.5% | 12.5% | 12.5% | |||
| Full APR (int fee ins tax dep) | 75.6% | 75.6% | 75.6% | 75.6% | |||
| Transparency Index | 48 | 48 | 48 | 48 | |||
| 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 |
|---|---|---|---|---|---|---|---|
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