Please note that the information you are viewing is 131 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Diaconia Av. Juan Pablo II No 125 El AltoLa Paz
Data approved: 2013-09-16
Data version: 2
Age of data: 131 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.diaconia-frif.org/
Year established1991
Head of InstitutionRicardo Suxo Condori
Regions activeBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija
# Branches36

Total Portfolio (nat'l)BOB 578,706,840
Total Portfolio (USD)USD 85,734,346.67
Active clients with loans67,073
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsFINRURAL
FundersMision Alianza Noruega

Loan Products » Summary

27,255 Borrowers
USD 9,952,828.99 Portfolio
Active Product
39,818 Borrowers
USD 75,781,519.36 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credito de Banca Communal BOB 200 - 10,000 4 - 10 80% - 100% 80% - 100% Business, Housing, Consumer, Education, Other Women Group Mtgs
Microcredito Individual BOB 200 - 560,000 3 - 96 20% - 40% 80% - 100% Any Purpose Women, Men Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito de Banca Communal 36.0% annual, Flat 0 Fees 1 Ins None 20.0% upfront 20.00% ongoing 55.8% - 59.6% 93.5% - 106.7% 36
Microcredito Individual 13.0%-24.0% annual, Decl Bal 0 Fees 1 Ins None N/A 17.1% - 24.1% 17.7% - 24.7% 62
Institution Price Graph
Please note that the information you are viewing is 142 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Data approved: 2013-06-25
Data version: 2
Age of data: 142 months

Product

Zero Grazing Loan Product 7 of 11 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (KES)KES 8,926,006.49
Portfolio (USD)USD 107,802.01
Active Clients with Loans242
Approximate % Female Clients40% - 60%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Designed for full-time dairy farmers with farming experience in raising exotic breeds.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
OtherImprovement to shed, purchase of cow, chaff-cutter
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other trainingx
OtherHealth insurance - optional
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherFarmers only
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution5
# Regions for this product5
Regions ActiveCentral, Eastern, Nairobi, Rift Valley, Western

Loan Conditions

Loan Amount
CurrencyKES
Minimum loan sizeKES 10,000
Maximum loan size300,000
Distribution at Disbursement (Est.)
Loans less than KES 50,000100%
KES 50,000-150,0000
KES 150,000-250,0000
KES 250,000-350,0000
KES 350,000-450,0000
Greater than KES 450,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term18.0 months
Approx average11.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months70%
Between 13 and 18 months10%
Longer than 18 months0
Grace Period
Grace period usage30%
Average grace period1.0 month
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest22.00%
Highest quoted nominal interest22.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Processing Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedKES 100
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid0.50%
Maximum interest rate paid0.50%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No

Full Pricing Data

Zero Grazing Loan samples
Sample 2Sample 3Sample 4Sample 5
Loan AmountKES 20,000KES 50,000KES 99,000KES 220,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-202013-02-042013-06-052013-02-26
Loan Term (Months)6.0 months13.0 months12.0 months12.0 months
Grace Period (Months)0.2 months0.5 months0.2 months0.2 months
Total Cost of CreditKES 2,800KES 12,500KES 24,750KES 55,000
True Price by Comp       
Interest price component38.1%37.3%38.9%38.9%
Fee Component3.7%1.9%2.0%2.0%
Insurance Component7.6%4.0%4.2%4.2%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component38.3%27.8%26.2%24.1%
Full APR (int fee ins tax dep)87.7%71.0%71.3%69.2%
Transparency Index25313132
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Zero Grazing Loan Price Graphs


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