2. Fassil FFP
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

Fondo Financiero Privado Fassil S.A. Av. Cristo Redentor esquina Calle Gustavo Parada, entre 2do. y 3er AnilloSanta Cruz de la Sierra, Bolivia3136
Data approved: 2013-08-23
Data version: 2
Age of data: 130 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.fassil.com.bo/
Year established1996
Head of InstitutionJuan Ricardo Mertens Olmos
Regions activeChuquisaca , Cochabamba , La Paz , Santa Cruz, Tarija
# Branches109

Total Portfolio (nat'l)BOB 2,194,299,220
Total Portfolio (USD)USD 325,081,365.90
Active clients with loans57,688
Approximate % female clients60% - 80%
Approximate % urban clients80% - 100%
Network affiliations
FundersSanta Cruz Financial Group S.A., Nacional Vida Seguros de Personas S.A., Latina Seguros Patrimoniales S.A., Juan Ricardo Mertens Olmos

Loan Products » Summary

Empresas
50,339 Borrowers
USD 223,328,366.40 Portfolio
Active Product
Pyme
2,489 Borrowers
USD 52,380,628.07 Portfolio
Active Product
Vividena
1,808 Borrowers
USD 22,396,523.01 Portfolio
Active Product
Vivienda
694 Borrowers
USD 17,752,596.79 Portfolio
Active Product
Libre
2,358 Borrowers
USD 9,223,251.59 Portfolio
Active Product
Empresas
Retired Product
Pyme
Retired Product
Libre
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credifassil Microempresas BOB 7,000 - 140,000 3 - 96 40% - 60% 60% - 80% Business Women, Men, Have business Credit Ins, Ahorro
Credifassil Pyme BOB 7,000 - 9,671,865 3 - 96 20% - 40% 80% - 100% Business Women, Men, Have business Credit Ins
Credito Vivienda BOB 35,000 - 9,671,865 12 - 36 60% - 80% 60% - 80% Business, Housing Women, Men, Have business, Have home or land Credit Ins
Credito Vivienda (USD) USD 5,000 - 9,671,865 12 - 36 40% - 60% 60% - 80% Housing Women, Men, Have home or land, Salaried worker Credit Ins, Ahorro
Libre Disponibilidad (Microempresas y Pyme) BOB 7,000 - 9,671,865 3 - 48 40% - 60% 60% - 80% Any Purpose Women, Men, Have home or land, Salaried worker Credit Ins, Ahorro

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credifassil Microempresas 13.0%-28.0% annual, Decl Bal 0 Fees 1 Ins None N/A 13.1% - 29.2% 14.3% - 29.2% 59
Credifassil Pyme 13.0%-28.0% annual, Decl Bal 0 Fees 1 Ins None N/A 13.1% - 21.1% 14.3% - 22.3% 77
Credito Vivienda 11.0%-18.0% annual, Decl Bal 0 Fees 1 Ins None N/A 14.1% - 18.1% 15.5% - 19.5% 62
Credito Vivienda (USD) 13.0%-20.0% annual, Decl Bal 0 Fees 1 Ins None N/A 16.1% - 20.1% 17.5% - 21.5% 65
Libre Disponibilidad (Microempresas y Pyme) 18.0%-32.0% annual, Decl Bal 0 Fees 1 Ins None N/A 22.1% - 32% 23.3% - 33.2% 67
Institution Price Graph
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  2. FASL
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

First Allied Savings and Loans Limited Box 5308OTB 662 Asomfo Road, AdumKumasi, Ashanti
Data approved: 2013-07-15
Data version: 1
Age of data: 139 months

Product

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Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 1,253,405.21
Portfolio (USD)USD 636,246.30
Active Clients with Loans421
Approximate % Female Clients40% - 60%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This is an individual loans programme designed for Distance Banking group members who want to opt out of their group and access the facility in their individual capacity.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
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 institution6
# Regions for this product6
Regions ActiveGreater Accra Region, Central Region, Western Region, Eastern Region, Ashanti Region, Brong Ahafo Region

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 1,500
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,0000
GHS 1,000-5,00020%
GHS 5,000-7,50020%
GHS 7,500-10,00015%
GHS 10,000-13,00020%
Greater than GHS 13,00020%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less10%
Between 4 and 6 months30%
Between 7 and 9 months20%
Between 10 and 12 months40%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Dailyx
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest36.00%
Highest quoted nominal interest36.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCommitment Fee
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00% - 25.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid5.00%
Maximum interest rate paid5.00%
Interest payment frequencyQuarterly
Taxes
Are taxes charged on this product?No

Full Pricing Data

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Sample 1Sample 3Sample 4Sample 5Sample 6
Loan AmountGHS 1,500GHS 6,000GHS 8,000GHS 10,000GHS 15,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-07-042013-06-252013-06-182013-06-102013-05-10
Loan Term (Months)8.0 months6.0 months12.0 months12.0 months10.0 months
Grace Period (Months)-0.4 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditGHS 401GHS 1,260GHS 3,111.96GHS 3,896GHS 4,950
True Price by Comp         
Interest price component64.8%57.8%59.3%59.3%59.1%
Fee Component9.6%10.9%6.2%6.3%7.2%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component51.4%42.9%39.4%39.4%40.6%
Full APR (int fee ins tax dep)125.8%111.6%104.9%105.0%106.9%
Transparency Index2932343434
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
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