EMPRENDER - Crédito Individual en Bolivianos - MFTransparency.org Truth In Lending Tables

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Institution

EMPRENDER c. Presbítero Medina. Pje. Tal Tal NÂº 570. SopocachiLa Paz, La Paz

Data approved: 2010-10-28

Data version: 1

Age of data: 173 months

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Product

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Product Details

Key Statistics

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%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

ES UN PRODUCTO DESTINADO A CLIENTES NUEVOS Y/O ANTIGàOS QUE CUENTAN CON NEGOCIOS DESARROLLADOS Y CON UNA MEJOR CONDICIÓN ECONÓMICA, SON CLIENTES QUE CUENTAN CON BUEN HISTORIAL CREDITICIO Y QUE DEMUESTRAN TENER BUENA CAPACIDAD DE PAGO Y CRECIMIENTO.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan	x
Agriculture
Education
Other household finance
Other	Negocio: Solo para Capital de Trabajo
Other (2)

Included Services

Credit education
Group meetings
Credit insurance	x
Workplace visits	x
Business training	x
Other training
Other
Other (2)
No other services

Eligibility

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)

# Borrowers by Product

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 500
Maximum loan size	20,000

Loan Term and Grace Period

Shortest loan term	2.0 months
Longest loan term	36.0 months
Approx average	5.8 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	x

Pricing Information

Interest

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

Upfront Fees

This product has no upfront fees

Ongoing Fees

	Fee 1	Fee 2
Description	Cargos administrativos y Formularios	Cargos administrativos por trÃ¡mite 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

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

This product has no ongoing insurance fees

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

Are taxes charged on this product?

Full Pricing Data

Crédito Individual en Bolivianos samples

	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	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

Crédito Individual en Bolivianos Price Graphs

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Action	0	0	0	143
Adok Timo	4,200	570,000	4	174
BIMAS	11,100	4,679,000	7	143
ECLOF Kenya	20,500	5,455,000	8	143
Equity Bank	135,500	94,746,000	9	143
Family Bank	43,200	90,700,000	5	174
Jamii Bora	2,400	3,374,000	4	143
Juhudi Kilimo	10,400	4,436,000	2	143
KADET	12,900	5,402,000	4	143
K-Rep	0	0	0	143
K-Rep Bank	65,000	28,743,000	4	174
KWFT DTM	294,600	165,982,000	6	143
LKL	13,100	9,311,000	10	135
MKL	18,200	5,989,000	6	119
Opportunity Kenya	9,100	4,866,000	5	143
PAWDEP	40,900	7,133,000	2	143
RAFODE	2,900	356,000	1	143
SISDO	7,300	3,657,000	11	143
Yehu	14,000	3,149,000	11	143

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

	X Axis
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N (# of Samples)
Total Borrrowers of Samples


Avg
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Max
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By Inst Type


By Country

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