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 |
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 (GHS) | GHS 5,600 |
Portfolio (USD) | USD 2,842.64 |
Active Clients with Loans | 30 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 40% - 60% |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | x |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | x |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 2 |
# 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 |
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 |
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 |
Key Statistics | |
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# 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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