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Institution
Data approved: 2010-10-28
Data version: 1
Age of data: 172 months
Key Statistics
| Outstanding portfolio (BOB) | BOB 10,155,070.37 |
| Portfolio (USD) | USD 1,504,454.87 |
| Active Clients with Loans | 5,755 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 60% - 80% |
Methodology
| Individual | |
| Solidarity group | |
| Village banking | x |
| Self help group | |
| Other | |
Description
Los Bancos de Emprendimiento, son créditos destinados a agrupaciones de personas que se asocian por la necesidad e interés en comàºn de contar con un crédito, ahorro y capacitación, para emprender un negocio o desarrollarlo.
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 | x |
| Credit insurance | x |
| Workplace visits | |
| Business training | x |
| Other training | x |
| Other | Salud |
| Other (2) | Liderazgo |
| 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 | Mujeres deben ser alrededor de un 80% |
| Other (2) | |
Portfolio Size by Product
Geographic Coverage
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active | |
Loan Conditions
Loan Amount
| Currency | BOB |
| Minimum loan size | BOB 400 |
| Maximum loan size | 5,000 |
Loan Term and Grace Period
| Shortest loan term | 4.0 months |
| Longest loan term | 10.0 months |
| Approx average | 6.0 months |
Grace Period
| Grace period usage | 0 |
| Average grace period | 0 |
Repayment Frequency
| Daily | |
| Weekly | x |
| Every 2 weeks | x |
| Every 4 weeks | x |
| Monthly | x |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments | |
Pricing Information
Interest
| Lowest quoted nominal interest | 2.80% |
| Highest quoted nominal interest | 3.00% |
| Reason(s) why interest rate varies | Loan Size, Client Risk |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | |
| Is rate fixed for entire loan term | Yes |
Upfront Fees
| Fee 1 |
|---|
| Description | Cargos administrativos por trámite desembolso |
| % of loan amount - min | 0 |
| % of loan amount - max | 2.50% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | |
| Appears on Repayment Sched? | Yes |
Ongoing Fees
| Fee 1 |
|---|
| Description | Cargos administrativos y Formularios |
| % of loan amount - min | 0 |
| % of loan amount - max | 1.20% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | Yes |
Upfront Insurance Fees
This product has no upfront insurance feesOngoing 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 | 20.00% |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit | Access During |
Interest Paid on Deposit
| Minimum interest rate paid | 1.20% |
| Maximum interest rate paid | 1.20% |
| Interest payment frequency | Monthly |
Taxes
| Are taxes charged on this product? | No |
Additional Comments
Los ahorros internos pueden ser retirados para los préstamos internos a cargos de las socias de la Banca Comunal
Full Pricing Data
Bancos de Emprendimiento Bolivianos samples
| Sample 1 | | Sample 2 | | Sample 3 |
|---|
| Loan Amount | BOB 2,051.28 | | BOB 2,051.28 | | BOB 2,564.10 |
| Loan Cycle (1, 2, 3, etc) | 1 | | 1 | | 2 |
| Disbursement Date | 2010-06-12 | | 2010-06-09 | | 2010-06-24 |
| Loan Term (Months) | 4.7 months | | 8.0 months | | 5.6 months |
| Grace Period (Months) | 0.0 months | | 0.0 months | | 0.0 months |
| Total Cost of Credit | Not Known | | Not Known | | Not Known |
| True Price by Comp | | | | | |
| Interest and Fee Component | 62.0% | | 57.9% | | 59.9% |
| Insurance Component | 0.0% | | 0.0% | | 0.0% |
| Tax Component | 0.0% | | 0.0% | | 0.0% |
| Deposit Component | 8.4% | | 7.6% | | 7.7% |
| Full APR (int fee ins tax dep) | 70.4% | | 65.6% | | 67.5% |
| Transparency Index | 48 | | 51 | | 50 |
| | | | | | |
| Original Repayment Schedule | PDF | | PDF | | PDF |
| MFT Pricing Calculation | PDF | | PDF | | PDF |
Bancos de Emprendimiento Bolivianos Price Graphs
