Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.emprender-bo.org/ |
Year established | 1999 |
Head of Institution | RAMIRO QUISPE CHIPANA |
Regions active | |
# Branches | 13 |
Total Portfolio (nat'l) | BOB 23,898,315 |
Total Portfolio (USD) | USD 3,540,491.11 |
Active clients with loans | 9,163 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 80% - 100% |
Network affiliations | |
Funders |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Bancos de Emprendimiento Bolivianos | BOB 400 - 5,000 | 4 - 10 | 80% - 100% | 60% - 80% | Any Purpose | Women, Men, Mujeres deben ser alrededor de un 80% | Group Mtgs, Credit Ins, Business Training, Other Training, Salud, Liderazgo | |||||||
Crédito Individual en Bolivianos | BOB 500 - 20,000 | 2 - 36 | 60% - 80% | 80% - 100% | Business, Consumer, Negocio: Solo para Capital de Trabajo | Women, Men, Have business | Credit Ins, Tech Asst Visits, Business Training | |||||||
BOB 200 - 10,000 | 2 - 36 | 60% - 80% | 80% - 100% | Business, Consumer, Negocio: Solo para Capital de Trabajo | Women, Men, Have business | Credit Ins, Tech Asst Visits, Business Training, SERVICIO DE SALUD EN ATENCIÓN PRIMARIA Y MEDICINA PREVENTIVA |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Bancos de Emprendimiento Bolivianos | 33.6%-36.0% annual, Decl Bal | 2 Fees | 0 Ins | None | 20.00% ongoing | 57.9% - 62% | 65.6% - 70.4% | 49 | ||||||||
Crédito Individual en Bolivianos | 24.0%-36.0% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 55.2% - 58.9% | 55.2% - 58.9% | 41 | ||||||||
24.0%-36.0% annual, Decl Bal | 2 Fees | 0 Ins | 15.00% Principal | N/A | 38.8% - 59.5% | 38.9% - 60.3% | 49 |
Outstanding portfolio (INR) | INR 238,600,000 |
Portfolio (USD) | USD 4,501,886.79 |
Active Clients with Loans | 49,025 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
Solidarity group | |
Village banking | |
Self help group | x |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | x |
Credit insurance | |
Workplace visits | x |
Business training | x |
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 | |
Household income <60,000 INR | |
Household income <120,000 INR | |
Must live in rural area | |
Must lives in urban area | |
Other | |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Currency | INR |
Minimum loan size | INR 5,000 |
Maximum loan size | 25,000 |
Shortest loan term | 12.0 months |
Longest loan term | 12.0 months |
Approx average | 12.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 100% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 10% |
Average grace period | 0.5 months |
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 | 15.00% |
Highest quoted nominal interest | 15.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Documentation Charge |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 30 |
Fixed amount - max | 30 |
Reason for variation | |
Appears on Repayment Sched? | No |
Ins 1 | |
---|---|
Description | Insurance |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 25 |
Fixed amount - max | 25 |
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 | 15.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 - 15.00% |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | End Term |
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 | INR 6,000 | INR 10,000 | INR 19,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2010-06-24 | 2010-06-24 | 2010-05-27 | ||
Loan Term (Months) | 11.7 months | 11.7 months | 11.7 months | ||
Grace Period (Months) | 1.0 month | 1.0 month | 0.0 months | ||
Total Cost of Credit | Not Known | Not Known | Not Known | ||
True Price by Comp | |||||
Interest and Fee Component | 29.2% | 28.8% | 28.8% | ||
Insurance Component | 0.9% | 0.5% | 0.3% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 10.6% | 10.4% | 10.3% | ||
Full APR (int fee ins tax dep) | 40.7% | 39.7% | 39.4% | ||
MFIN MFI Earning (Annualised) | 29.2% | 28.8% | 28.8% | ||
MFIN Cost to Borrower (Annualised) | 40.7% | 39.7% | 39.4% | ||
Transparency Index | 37 | 38 | 38 | ||
MFIN Transparency Index | N/A | N/A | N/A | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Key Statistics | |
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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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