2. FONDECO
Please note that the information you are viewing is 130 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

FONDECO Av. Pedro Ribera Méndez (Tercer Anillo Interno) esquina Chuubi, entre Av. Paraguá y Av. MutualistaSanta Cruz de la Sierra, Bolivia
Data approved: 2013-09-13
Data version: 2
Age of data: 130 months
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.fondeco.org/
Year established1995
Head of InstitutionMaría Eugenia Moscoso
Regions activeBeni , Chuquisaca , Cochabamba , La Paz , Santa Cruz, Tarija
# Branches17

Total Portfolio (nat'l)BOB 165,584,807
Total Portfolio (USD)USD 24,531,082.52
Active clients with loans14,200
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsINAFI, Grameen, FINRURAL
Funders

Loan Products » Summary

Comunales
11,250 Borrowers
USD 2,961,911.41 Portfolio
Active Product
Micro USD
1,226 Borrowers
USD 15,738,214.84 Portfolio
Active Product
Micro BOB
1,724 Borrowers
USD 5,574,480.68 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Fondos Comunales BOB 500 - 15,000 1 - 12 60% - 80% 40% - 60% Any Purpose Women, Men, Cada grupo deber estar compuesto por al menos 75% de mujeres Credit Educ, Group Mtgs, Credit Ins, Other Training
Microcredito - USD USD 500 - 105,000 3 - 60 0% - 20% 0% - 20% Business, Agriculture, Housing, Consumer Women, Men Credit Ins
Microcredito - BOB BOB 3,500 - 735,000 3 - 84 0% - 20% 0% - 20% Business, Agriculture, Housing, Consumer, Education Women, Men Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Fondos Comunales 27.0%-32.0% annual, Decl Bal 1 Fee 0 Ins None 10.0%-15.0% upfront 15.00% ongoing 34.5% - 36.2% 41.6% - 55.9% 56
Microcredito - USD 13.0%-36.0% annual, Decl Bal 1 Fee 1 Ins 15.00% Principal N/A 25.3% - 28.7% 26% - 29.3% 47
Microcredito - BOB 13.0%-36.0% annual, Decl Bal 1 Fee 1 Ins None N/A 16.2% - 25.1% 16.3% - 25.7% 62
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  2. AMF
Please note that the information you are viewing is 134 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Attawfiq MF 3, rue Docteur VeyreRésidence PatioCasablanca, 20070
Data approved: 2013-09-12
Data version: 1
Age of data: 134 months

Product

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Product Details

Key Statistics
Outstanding portfolio (MAD)MAD 2,333,000
Portfolio (USD)USD 274,470.59
Active Clients with Loans94
Approximate % Female Clients0% - 20%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
ATTAAOUNIA est un crédit solidaire ou individuel destiné à financier les activités des coopératives agricoles et artisanales.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
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 institution12
# Regions for this product12
Regions ActiveTangier-Tétouan, East and the Rif, Fes-Meknes, Rabat-Sale-Kenitra, Beni Mellal-Khenifra, Settat-Casablanca, Marrakesh-Safi, Drâa-Tafilalt, Souss-Massa, Guelmim-Oued NounEl Aiun-Saguia al Hamra, Dakhla-Oued Addahab

Loan Conditions

Loan Amount
CurrencyMAD
Minimum loan sizeMAD 3,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than MAD 5,0000
MAD 5,000-15,00010%
MAD 15,000-25,00040%
MAD 25,000-35,00030%
MAD 35,000-45,0000
Greater than MAD 45,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term48.0 months
Approx average28.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months10%
Between 13 and 18 months40%
Longer than 18 months50%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeksx
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest1.30%
Highest quoted nominal interest1.30%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionFrais de dossierCommission d'accompagnement solidaire (CAS)
% of loan amount - min01.50%
% of loan amount - max01.50%
OR, Fixed amount - min2000
Fixed amount - max2000
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
Financement du Fonds de Roulement ou d'investissement. Les adhérents des coopératives agricoles ou artisanales existantes non éligibles au système financier classique.

Full Pricing Data

Attaaounia samples
Sample 3Sample 4Sample 5Sample 6
Loan AmountMAD 10,000MAD 20,000MAD 30,000MAD 50,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-06-142013-04-092013-02-222013-03-19
Loan Term (Months)19.0 months23.0 months17.0 months45.0 months
Grace Period (Months)0.3 months0.4 months0.3 months0.4 months
Total Cost of CreditMAD 1,707MAD 3,708MAD 5,139MAD 17,388
True Price by Comp       
Interest price component15.6%15.7%18.8%15.6%
Fee Component4.4%2.7%3.0%1.1%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)20.0%18.4%21.8%16.7%
Transparency Index78857194
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Attaaounia Price Graphs


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