| Number borrowers | 1,869 |
| Loan Amount (range) | BOB 500 - 20,000 |
| Loan Term (range) | 2 - 36 |
| Other Services (text summary) | Credit Ins, Tech Asst Visits, Business Training |
| Annual Interest & Method | 24.0%-36.0% annual, Decl Bal |
| Fees | ongoing ongoing |
| Insurance | None |
| Tax | None |
| Comp Dep | N/A |
| Range of pricing | |
| Interest Price Component | N/A |
| Fee Component | 55.2% - 58.9% (Int+Fee) |
| Insurance Component | 0 |
| Tax Component Range | 0 - 0.8% |
| Full APR (int fee ins tax dep) | 55.2% - 58.9% |
| Transparency Index (min/max) | 0 - N/A |
| Transparency Index (average) | 41 |
| 1,800 |
| USD 200 - 2,000 |
| 3 - 24 |
| Group Mtgs, Credit Ins |
| 21.0% annual, Decl Bal |
| None |
| 1.00% upfront |
| None |
| 7.0% upfront 1.00 ongoing |
| N/A |
| 22.7% - 22.8% (Int+Fee) |
| 1.1% - 4.3% |
| 0 |
| 28.5% - 33.0% |
| 64 - 81 |
| 69 |
| Outstanding portfolio (BOB) | BOB 4,807,190 |
| Portfolio (USD) | USD 712,176.30 |
| Active Clients with Loans | 1,869 |
| Approximate % Female Clients | 60% - 80% |
| Approximate % Urban Clients | 80% - 100% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | x |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | Negocio: Solo para Capital de Trabajo |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | x |
| Business training | x |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Outstanding portfolio (USD) | USD 526,373 |
| Portfolio (USD) | USD 526,373 |
| Active Clients with Loans | 1,800 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 40% - 60% |
| Individual | |
| Solidarity group | x |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | x |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | x |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | |
| 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) |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Currency | BOB |
| Minimum loan size | BOB 500 |
| Maximum loan size | 20,000 |
| Shortest loan term | 2.0 months |
| Longest loan term | 36.0 months |
| Approx average | 5.8 months |
| Grace period usage | 0 |
| Average grace period | 0 |
| 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 | x |
| Currency | USD |
| Minimum loan size | USD 200 |
| Maximum loan size | 2,000 |
| Shortest loan term | 3.0 months |
| Longest loan term | 24.0 months |
| Approx average | 10.0 months |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | x |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 2.00% |
| Highest quoted nominal interest | 3.00% |
| Reason(s) why interest rate varies | Time as Client, Loan Size, Collateral |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | Fee 2 | ||
|---|---|---|---|
| Description | Cargos administrativos y Formularios | Cargos administrativos por trámite desembolso | |
| % of loan amount - min | 0 | 0 | |
| % of loan amount - max | 1.20% | 2.50% | |
| OR, Fixed amount - min | 0 | 0 | |
| Fixed amount - max | 0 | 0 | |
| Reason for variation | N/A | N/A | |
| Appears on Repayment Sched? | Yes | Yes |
| Required for | Never |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | N/A |
| Do borrowers control deposit in their group? | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| Conditions on access to deposit | N/A |
| Minimum interest rate paid | N/A |
| Maximum interest rate paid | N/A |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
| Lowest quoted nominal interest | 21.00% |
| Highest quoted nominal interest | 21.00% |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | Yes |
| Is rate fixed for entire loan term | Yes |
| Ins 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 | N/A |
| Appears on Repayment Sched? | No |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | |
| Do borrowers control deposit in their group? |
| % loan amount deposited | 7.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | USD 1 |
| Conditions on access to deposit |
| Minimum interest rate paid | 0 |
| Maximum interest rate paid | 0 |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | BOB 3,000 | BOB 7,000 | BOB 14,000 | ||
| Loan Cycle (1, 2, 3, etc) | 1 | 3 | 3 | ||
| Disbursement Date | 2010-05-28 | 2010-06-24 | 2010-06-19 | ||
| Loan Term (Months) | 6.0 months | 6.5 months | 12.0 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 | 58.3% | 58.9% | 55.2% | ||
| Insurance Component | 0.0% | 0.0% | 0.0% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 0.0% | 0.0% | 0.0% | ||
| Full APR (int fee ins tax dep) | 58.3% | 58.9% | 55.2% | ||
| Transparency Index | 41 | 41 | 43 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | USD 400 | USD 1,000 | USD 2,000 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2010-04-15 | 2010-04-19 | 2010-05-10 | ||
| Loan Term (Months) | 5.6 months | 11.2 months | 22.4 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 | 22.7% | 22.8% | 22.8% | ||
| Insurance Component | 4.3% | 2.2% | 1.2% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 6.0% | 5.1% | 4.5% | ||
| Full APR (int fee ins tax dep) | 33.0% | 30.1% | 28.5% | ||
| Transparency Index | 64 | 70 | 74 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
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