Loan Conditions

Loan Amount

Currency	BOB
Minimum loan size	BOB 350
Maximum loan size	3,500,000

Distribution at Disbursement (Est.)

Loans less than BOB 10,000	50%
BOB 10,000-40,000	30%
BOB 40,000-70,000	10%
BOB 70,000-100,000	5%
BOB 100,000-125,000	0
Greater than BOB 125,000	0

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	120.0 months
Approx average	36.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	50%
Between 4 and 6 months	30%
Between 7 and 9 months	10%
Between 10 and 12 months	5%
Between 13 and 18 months	0
Longer than 18 months	5%

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

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

Loan Conditions

Loan Amount

Currency	USD
Minimum loan size	USD 500
Maximum loan size	1,500

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	15.0 months
Approx average	8.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

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

Pricing Information

Interest

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		Ins 2
Description	Seguro de Desgravamen		Seguro de Todo Riesgo
% of loan amount - min	0.25%		0
% of loan amount - max	9.96%		0.80%
OR, Fixed amount - min	0		0
Fixed amount - max	0		0
Reason for variation	Fee is 0.083%, charged each month the outstanding loan principal only.		Fee is 0.0067% per month, charged on the oustanding loan principal balance only. Charged only if value of collateral is insufficient.
Appears on Repayment Sched?	Yes		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

Pricing Information

Interest

Upfront Fees

	Fee 1
Description	Seguro de Desgravamen
% of loan amount - min	1.00%
% of loan amount - max	1.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation
Appears on Repayment Sched?	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?	Yes
Do borrowers control deposit in their group?	Yes

Deposit BEFORE or AT Disbursement

% loan amount deposited	0
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	USD 5
Conditions on access to deposit	Access During

Interest Paid on Deposit

Minimum interest rate paid	1.50%
Maximum interest rate paid	4.00%
Interest payment frequency	Monthly

Taxes

Are taxes charged on this product?

No

Additional Comments

Las reuniones que se tienen esta metodología permiten que los integrantes de grupo vayan formandose en temas de autoestima, administración de negocios, desarollo comunitario, etc. No utilizamos las reuniones para cobros. Adicionalmente el grupo tiene una cuenta de ahorros en general como grupo en donde depositan los ahorros de sus integrantes de acuerdo al compromiso al que llegaron al inicio. Cada integrante de grupo tiene su propia cuenta de ahorros en donde realizamos pagos.

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