Diaconia - Microcredito Individual - MFTransparency.org Truth In Lending Tables

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Institution

Diaconia Av. Juan Pablo II No 125 El AltoLa Paz

Data approved: 2013-09-16

Data version: 2

Age of data: 134 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (BOB)	BOB 511,525,255.70
Portfolio (USD)	USD 75,781,519.36
Active Clients with Loans	39,818
Approximate % Female Clients	20% - 40%
Approximate % Urban Clients	80% - 100%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

Microcredito otorgado a una persona natural o jurídica, con el objeto de financiar actividades de producción, comercialización y servicios.

Loan Purpose

Any purpose	x
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training	x
Other
Other (2)
No other services

Eligibility

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)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	8
# Regions for this product	8
Regions Active	Beni , Chuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija

Loan Conditions

Loan Amount

Currency	BOB
Minimum loan size	BOB 200
Maximum loan size	560,000

Distribution at Disbursement (Est.)

Loans less than BOB 10,000	15%
BOB 10,000-40,000	50%
BOB 40,000-70,000	20%
BOB 70,000-100,000	10%
BOB 100,000-125,000	5%
Greater than BOB 125,000	5%

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	96.0 months
Approx average	26.0 months

Distribution at Disbursement (Est.)

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

Grace period usage	0
Average grace period	DK

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months	x
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	13.00%
Highest quoted nominal interest	24.00%
Reason(s) why interest rate varies	Time as Client, Collateral, Loan Purpose, Ciclo de préstamo
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

This product has no upfront fees

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

	Ins 1
Description	Seguro de desgravamen y sepelio
% of loan amount - min	0.05%
% 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 únicamente en la saldo principal del préstamo pendiente.
Appears on Repayment Sched?	Yes

Compulsory Deposit

Required for	Never
Criteria	N/A
Is deposit indicated on the repayment schedule?	N/A
Do borrowers control deposit in their group?	N/A

Deposit BEFORE or AT Disbursement

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Microcredito Individual samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5
Loan Amount	BOB 5,000	BOB 14,000	BOB 31,000	BOB 50,000	BOB 84,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2013-08-28	2013-09-30	2013-11-19	2013-11-29	2013-07-29
Loan Term (Months)	15.0 months	31.0 months	36.0 months	61.0 months	73.0 months
Grace Period (Months)	0.4 months	0.2 months	-0.2 months	0.5 months	-0.3 months
Total Cost of Credit	BOB 643.90	BOB 4,924.71	BOB 10,809.34	BOB 38,617.86	BOB 52,992.80
True Price by Comp
Interest price component	18.1%	23.7%	20.1%	24.1%	17.1%
Fee Component	0.0%	0.0%	0.0%	0.0%	0.0%
Insurance Component	0.6%	0.6%	0.6%	0.6%	0.6%
Tax Component	0.0%	0.0%	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	18.7%	24.3%	20.7%	24.7%	17.7%
Transparency Index	69	53	63	53	73

Original Repayment Schedule	PDF	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF	PDF

Microcredito Individual Price Graphs

Loan Size/Full APR

Loan Term/Full APR

Custom

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
AGFS	200	47,000	2	161
Ahantaman RB	23,800	9,896,000	4	143
APED	13,700	1,876,000	2	143
ASA Initiative	4,400	577,000	4	143
ASA-Ghana	71,600	18,385,000	2	143
ASPI	800	88,000	6	143
Atwima Kwanwoma	3,800	1,788,000	2	143
Baobab	5,100	967,000	2	143
BestFUND	13,000	4,172,000	3	143
Bonzali Rural	10,400	1,691,000	4	161
CashPhase	83	135,000	2	143
CASUD	1,100	524,000	1	143
CEDEF	500	54,000	4	143
CFF	100	13,000	1	143
CRAN	3,600	1,019,000	2	143
DQF	1,700	63,000	2	143
EASL	9,200	11,409,000	6	143
East Mamprusi	12,500	2,268,000	4	143
ELDA	0	0	0	143
EMPRETEC Ghana	200	56,000	2	143
FASL	13,500	14,047,000	8	143
Grameen Ghana	9,500	507,000	3	143
ID-Ghana	5,600	953,000	3	143
Innovative Finance	2,700	354,000	3	143
Kraban Support	7,700	781,000	5	161
KRB	4,000	6,350,000	3	143
Lower Pra RB	34,000	6,316,000	3	161
Maata-N-Tudu	12,000	941,000	4	143
Mail Finance	300	288,000	1	143
Markaz	0	0	0	143
Markaz Al Bishara	100	17,000	1	143
MicrofinPlus Gh	1,100	251,000	2	143
Nwabiagya RB	4,000	2,265,000	3	143
OISL	62,000	27,232,000	9	143
Pro Credit	0	0	0	143
Rich Step	100	101,000	1	143
SAT	147,600	29,359,000	4	143
Sekam Trust	600	137,000	2	143
Simli Pong	8,900	463,000	3	161
SS Ghana	200	35,000	1	143
TCCU	100	32,000	3	143
The Bridge	400	32,000	3	161
Union RB	3,800	2,361,000	4	143

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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
Std Dev

By Inst Type


By Country

	X Axis
	Greater than:
	Less or equal to:
	From 0 to
	to
	to
	to ∞

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Microcredito Individual samples

Microcredito Individual Price Graphs

Total Borrowers of Samples

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