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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

Product

Microcredito Individual Product 2 of 2 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 511,525,255.70
Portfolio (USD)USD 75,781,519.36
Active Clients with Loans39,818
Approximate % Female Clients20% - 40%
Approximate % Urban Clients80% - 100%
Description
Microcredito otorgado a una persona natural o jurídica, con el objeto de financiar actividades de producción, comercialización y servicios.
Loan Purpose
Any purposex
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 trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
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 institution8
# Regions for this product8
Regions ActiveBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 200
Maximum loan size560,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,00015%
BOB 10,000-40,00050%
BOB 40,000-70,00020%
BOB 70,000-100,00010%
BOB 100,000-125,0005%
Greater than BOB 125,0005%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term96.0 months
Approx average26.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months5%
Between 13 and 18 months5%
Longer than 18 months90%
Grace Period
Grace period usage0
Average grace periodDK
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest13.00%
Highest quoted nominal interest24.00%
Reason(s) why interest rate variesTime as Client, Collateral, Loan Purpose, Ciclo de préstamo
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
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
DescriptionSeguro de desgravamen y sepelio
% of loan amount - min0.05%
% of loan amount - max4.80%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationEl costo es de 0.05% mensual, con cargo únicamente en la saldo principal del préstamo pendiente.
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Microcredito Individual samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountBOB 5,000BOB 14,000BOB 31,000BOB 50,000BOB 84,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-08-282013-09-302013-11-192013-11-292013-07-29
Loan Term (Months)15.0 months31.0 months36.0 months61.0 months73.0 months
Grace Period (Months)0.4 months0.2 months-0.2 months0.5 months-0.3 months
Total Cost of CreditBOB 643.90BOB 4,924.71BOB 10,809.34BOB 38,617.86BOB 52,992.80
True Price by Comp         
Interest price component18.1%23.7%20.1%24.1%17.1%
Fee Component0.0%0.0%0.0%0.0%0.0%
Insurance Component0.6%0.6%0.6%0.6%0.6%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%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 Index6953635373
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Microcredito Individual Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeAnyLoan PurposeDiaconiaInstitutionBO-011-V02-P02ProductBOCountry2013YearRange Number2Institution Data Version020,00040,00060,00080,000Loan Size (all)0%10%20%Full APR (int fee ins tax dep)> 3,9002,9001,900900100Number of Borrowers
Institution # Borrowers Portfolio (US$) Products Age of Data
AGFS20047,0002161
Ahantaman RB23,8009,896,0004143
APED13,7001,876,0002143
ASA Initiative4,400577,0004143
ASA-Ghana71,60018,385,0002143
ASPI80088,0006143
Atwima Kwanwoma3,8001,788,0002143
Baobab5,100967,0002143
BestFUND13,0004,172,0003143
Bonzali Rural10,4001,691,0004161
CashPhase83135,0002143
CASUD1,100524,0001143
CEDEF50054,0004143
CFF10013,0001143
CRAN3,6001,019,0002143
DQF1,70063,0002143
EASL9,20011,409,0006143
East Mamprusi12,5002,268,0004143
ELDA000143
EMPRETEC Ghana20056,0002143
FASL13,50014,047,0008143
Grameen Ghana9,500507,0003143
ID-Ghana5,600953,0003143
Innovative Finance2,700354,0003143
Kraban Support7,700781,0005161
KRB4,0006,350,0003143
Lower Pra RB34,0006,316,0003161
Maata-N-Tudu12,000941,0004143
Mail Finance300288,0001143
Markaz000143
Markaz Al Bishara10017,0001143
MicrofinPlus Gh1,100251,0002143
Nwabiagya RB4,0002,265,0003143
OISL62,00027,232,0009143
Pro Credit000143
Rich Step100101,0001143
SAT147,60029,359,0004143
Sekam Trust600137,0002143
Simli Pong8,900463,0003161
SS Ghana20035,0001143
TCCU10032,0003143
The Bridge40032,0003161
Union RB3,8002,361,0004143
Caps / Zoom options
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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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