| 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 1,142,573,180 |
| Portfolio (USD) | USD 25,390,515 |
| Active Clients with Loans | 158,080 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 0% - 20% |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | x |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | x |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | Credit education in terms of training aimed at improving financial literacy |
| Other (2) | Group meeting to develop joint liability and life insurance for spouse & client |
| No other services |
| Men | |
| Women | x |
| Must run a business | x |
| Must own a home or land | x |
| 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) |
| Currency | INR |
| Minimum loan size | INR 8,000 |
| Maximum loan size | 16,000 |
| Shortest loan term | 12.0 months |
| Longest loan term | 12.0 months |
| Approx average | 12.0 months |
| Loans 3 months or less | N/A |
| Between 4 and 6 months | N/A |
| Between 7 and 9 months | N/A |
| Between 10 and 12 months | N/A |
| Between 13 and 18 months | N/A |
| Longer than 18 months | N/A |
| 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 | 18.00% |
| Highest quoted nominal interest | 18.00% |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Flat |
| Subsidized by funder request? | N/A |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Processing Fees |
| % of loan amount - min | 2.00% |
| % of loan amount - max | 2.25% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | |
| Appears on Repayment Sched? | Yes |
| Ins 1 | |
|---|---|
| Description | Loan protection cover charges (insurance for Client & Spouse) |
| % of loan amount - min | 0 |
| % of loan amount - max | 0 |
| OR, Fixed amount - min | 130 |
| Fixed amount - max | 200 |
| Reason for variation | |
| Appears on Repayment Sched? | 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 |
| 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 |
|---|---|---|---|---|---|---|---|
