Number borrowers | 4,344 |
Loan Amount (range) | BOB 16,000 - 350,000 |
Loan Term (range) | 3 - 244 |
Other Services (text summary) | Credit Ins |
Annual Interest & Method | 18.0%-27.5% annual, Decl Bal |
Fees | None |
Insurance | 1.93%-2.60% ongoing |
Tax | None |
Comp Dep | N/A |
Range of pricing | |
Interest Price Component | 12.1% - 27.6% |
Fee Component | 0 |
Insurance Component | 0.2% - 2.1% |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 19.0% - 27.8% |
Transparency Index (min/max) | 8 - 1062 |
Transparency Index (average) | 100 |
5,627 |
USD 300 - 10,000 |
2 - 24 |
Credit Ins |
24.5%-26.9% annual, Decl Bal |
None |
6.00% ongoing |
None |
N/A |
N/A |
22.9% - 26.8% (Int+Fee) |
0.6% - 0.8% |
0 |
23.5% - 27.5% |
39 - 104 |
98 |
Outstanding portfolio (BOB) | BOB 427,064,738 |
Portfolio (USD) | USD 63,268,850.07 |
Active Clients with Loans | 4,344 |
Approximate % Female Clients | 20% - 40% |
Approximate % Urban Clients | 60% - 80% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
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 | 6 |
# Regions for this product | 6 |
Regions Active | Chuquisaca , Cochabamba , La Paz , Oruro , Santa Cruz, Tarija |
Outstanding portfolio (USD) | USD 20,387,951 |
Portfolio (USD) | USD 20,387,951 |
Active Clients with Loans | 5,627 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 60% - 80% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | x |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
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 | N/A |
# Regions for this product | N/A |
Regions Active |
Currency | BOB |
Minimum loan size | BOB 16,000 |
Maximum loan size | 350,000 |
Loans less than BOB 10,000 | 0 |
BOB 10,000-40,000 | 20% |
BOB 40,000-70,000 | 40% |
BOB 70,000-100,000 | 10% |
BOB 100,000-125,000 | 15% |
Greater than BOB 125,000 | 15% |
Shortest loan term | 3.0 months |
Longest loan term | 244.0 months |
Approx average | 58.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 0 |
Between 13 and 18 months | 0 |
Longer than 18 months | 100% |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Currency | USD |
Minimum loan size | USD 300 |
Maximum loan size | 10,000 |
Shortest loan term | 2.0 months |
Longest loan term | 24.0 months |
Approx average | 23.0 months |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 1.50% |
Highest quoted nominal interest | 2.29% |
Reason(s) why interest rate varies | Collateral |
Interest rate period | Monthly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | No |
Ins 1 | |
---|---|
Description | Seguro de desgravamen |
% of loan amount - min | 1.93% |
% of loan amount - max | 2.60% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | La comisión es 0.07% mensual que aplica al saldo del principal del préstamo pendiente. |
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 |
Lowest quoted nominal interest | 24.50% |
Highest quoted nominal interest | 26.90% |
Reason(s) why interest rate varies | Loan Size |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Ins 1 | |
---|---|
Description | Seguro de Desgravamen |
% of loan amount - min | 6.00% |
% of loan amount - max | 6.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | Cobro de Seguro de Desgravamen sobre el monto pendiente de capital |
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 43,000 | BOB 67,000 | BOB 80,000 | BOB 110,000 | BOB 135,000 | ||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
Disbursement Date | 2014-01-08 | 2014-01-08 | 2013-09-18 | 2014-01-08 | 2014-01-08 | ||||
Loan Term (Months) | 60.0 months | 60.0 months | 48.0 months | 60.0 months | 60.0 months | ||||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | ||||
Total Cost of Credit | BOB 25,699.70 | BOB 53,891.98 | BOB 38,400.32 | BOB 60,284.28 | BOB 95,493.38 | ||||
True Price by Comp | |||||||||
Interest price component | 19.6% | 25.6% | 20.1% | 18.1% | 27.6% | ||||
Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Insurance Component | 0.9% | 0.8% | 0.9% | 0.9% | 0.2% | ||||
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) | 20.5% | 26.4% | 21.0% | 19.0% | 27.8% | ||||
Transparency Index | 100 | 100 | 100 | 100 | 65 | ||||
Original Repayment Schedule | |||||||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | USD 1,000 | USD 2,000 | USD 4,000 | USD 5,000 | |||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
Disbursement Date | 2010-06-04 | 2010-06-23 | 2010-06-16 | 2010-06-18 | |||
Loan Term (Months) | 10.0 months | 24.0 months | 24.0 months | 18.0 months | |||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||
Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | |||
True Price by Comp | |||||||
Interest and Fee Component | 26.8% | 22.9% | 22.9% | 24.4% | |||
Insurance Component | 0.6% | 0.6% | 0.6% | 0.6% | |||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Full APR (int fee ins tax dep) | 27.5% | 23.5% | 23.5% | 25.0% | |||
Transparency Index | 89 | 100 | 100 | 98 | |||
Original Repayment Schedule | |||||||
MFT Pricing Calculation |
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 |
---|---|---|---|---|---|---|---|
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
N (# of Samples) | ||||||
Total Borrrowers of Samples | ||||||
Avg | ||||||
Min | ||||||
Max | ||||||
Std Dev | ||||||
By Inst Type | ||||||
By Country | ||||||
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
From 0 to | ||||||
to | ||||||
to | ||||||
to ∞ |