| Outstanding portfolio (BOB) | BOB 123,167,793 |
| Portfolio (USD) | USD 18,247,080.44 |
| Active Clients with Loans | 38,960 |
| Approximate % Female Clients | 60% - 80% |
| Approximate % Urban Clients | 40% - 60% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | x |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| 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 | 9 |
| # Regions for this product | 9 |
| Regions Active | Beni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija |
| Currency | BOB |
| Minimum loan size | BOB 400 |
| Maximum loan size | 80,000 |
| Loans less than BOB 10,000 | 90% |
| BOB 10,000-40,000 | 10% |
| BOB 40,000-70,000 | 0 |
| BOB 70,000-100,000 | 0 |
| BOB 100,000-125,000 | 0 |
| Greater than BOB 125,000 | 0 |
| Shortest loan term | 1.0 month |
| Longest loan term | 18.0 months |
| Approx average | 7.6 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 20% |
| Between 7 and 9 months | 60% |
| Between 10 and 12 months | 5% |
| Between 13 and 18 months | 15% |
| Longer than 18 months | 0 |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | x |
| Every 2 weeks | x |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 26.00% |
| Highest quoted nominal interest | 30.50% |
| Reason(s) why interest rate varies | Branch, Time as Client, Loan Size, Client Risk |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Ins 1 | |
|---|---|
| Description | Seguro de desgravamen anticipado |
| % of loan amount - min | 0.07% |
| % of loan amount - max | 1.17% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | Fee is 0.065% multiplied by the number of months between the disbursement date and the first date of repayment. |
| Appears on Repayment Sched? | Yes |
| Ins 1 | |
|---|---|
| Description | Seguro de desgravamen |
| % of loan amount - min | 0.07% |
| % of loan amount - max | 1.17% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | Fee is 0.065% per month, charged on the outstanding loan principal. |
| 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 |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | |||||
|---|---|---|---|---|---|---|---|---|---|
| Loan Amount | BOB 400 | BOB 1,500 | BOB 5,000 | BOB 6,000 | BOB 14,000 | ||||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
| Disbursement Date | 2013-08-29 | 2013-08-29 | 2013-09-17 | 2013-07-22 | 2013-07-18 | ||||
| Loan Term (Months) | 5.8 months | 5.8 months | 8.0 months | 9.0 months | 5.6 months | ||||
| Grace Period (Months) | 0.2 months | 0.2 months | -0.1 months | 0.4 months | 0.0 months | ||||
| Total Cost of Credit | BOB 33.45 | BOB 124.09 | BOB 515.02 | BOB 782.63 | BOB 970.18 | ||||
| True Price by Comp | |||||||||
| Interest price component | 29.3% | 29.3% | 26.1% | 29.5% | 26.2% | ||||
| Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
| Insurance Component | 1.0% | 1.0% | 0.8% | 0.9% | 1.0% | ||||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
| Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
| Full APR (int fee ins tax dep) | 30.3% | 30.3% | 26.9% | 30.4% | 27.2% | ||||
| Transparency Index | 86 | 86 | 97 | 86 | 96 | ||||
| Original Repayment Schedule | |||||||||
| MFT Pricing Calculation |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.casud.nl/ |
| Year established | 2007 |
| Head of Institution | Ibrahim Joshua |
| Regions active | Northern Region |
| # Branches | 1 |
| Total Portfolio (nat'l) | GHS 1,033,300 |
| Total Portfolio (USD) | USD 540,994.76 |
| Active clients with loans | 1,101 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | GHAMFIN, ASSFIN |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | GHS 100 - 3,000 | 4 | 80% - 100% | 80% - 100% | Business | Women | Group Mtgs, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 30.00% annual, Flat | 0 Fees | 0 | None | 10.00% upfront | 59.4% | 72.1% | 41 |
| Key Statistics | |
|---|---|
| # Samples: | |
| # Products | |
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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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