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Institution
Data approved: 2010-10-28
Data version: 1
Age of data: 173 months
Key Statistics
Outstanding portfolio (BOB) | BOB 8,539,504.59 |
Portfolio (USD) | USD 1,265,111.79 |
Active Clients with Loans | 529 |
Approximate % Female Clients | 20% - 40% |
Approximate % Urban Clients | 0% - 20% |
Methodology
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other | |
Description
Producto destinado a promover el desarrollo de actividades del sector Agropecuario, Comercial y Servicios en áreas rurales y urbanas.
Loan Purpose
Any purpose | |
Income generation | x |
Mortgage/housing | x |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | Para capital de Inversiones |
Other (2) | Para capital de Operaciones |
Included Services
Credit education | |
Group meetings | |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services | |
Eligibility
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) | |
Portfolio Size by Product
Geographic Coverage
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active | |
Loan Conditions
Loan Amount
Currency | BOB |
Minimum loan size | BOB 400 |
Maximum loan size | 300,000 |
Loan Term and Grace Period
Shortest loan term | 6.0 months |
Longest loan term | 60.0 months |
Approx average | 52.0 months |
Grace Period
Grace period usage | 10% |
Average grace period | 12.0 months |
Repayment Frequency
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | x |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments | |
Pricing Information
Interest
Lowest quoted nominal interest | 11.00% |
Highest quoted nominal interest | 21.50% |
Reason(s) why interest rate varies | Loan Size, Client Risk |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Upfront Fees
| Fee 1 |
---|
Description | Seguro de Desgravamen |
% of loan amount - min | 5.00% |
% of loan amount - max | 5.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | |
Appears on Repayment Sched? | No |
Ongoing Fees
| Fee 1 |
---|
Description | Seguro de Desgravamen |
% of loan amount - min | 5.00% |
% of loan amount - max | 5.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | |
Appears on Repayment Sched? | Yes |
Upfront Insurance Fees
This product has no upfront insurance feesOngoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required for | Never |
Criteria | N/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 deposited | N/A |
or, Fixed-amount deposited | N/A |
Deposits DURING period payments
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Interest Paid on Deposit
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Taxes
Are taxes charged on this product? | Yes |
Percentage of fees | 0 |
All or some fees taxed | N/A |
Additional Comments
Frecuencia de pago: Bianual
Full Pricing Data
samples
| Sample 1 | | Sample 2 | | Sample 3 | | Sample 4 |
---|
Loan Amount | USD 1,000 | | USD 5,000 | | USD 8,820 | | USD 12,000 |
Loan Cycle (1, 2, 3, etc) | Not Known | | Not Known | | Not Known | | Not Known |
Disbursement Date | 2010-07-05 | | 2010-03-14 | | 2010-07-05 | | 2010-03-09 |
Loan Term (Months) | 22.0 months | | 60.0 months | | 26.0 months | | 60.0 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 | 21.4% | | 23.3% | | 19.2% | | 18.4% |
Insurance Component | 0.0% | | 0.0% | | 0.0% | | 0.0% |
Tax Component | 0.2% | | 0.1% | | 0.1% | | 0.1% |
Deposit Component | 0.0% | | 0.0% | | 0.0% | | 0.0% |
Full APR (int fee ins tax dep) | 21.5% | | 23.4% | | 19.3% | | 18.5% |
Transparency Index | 51 | | 47 | | 57 | | 60 |
| | | | | | | |
Original Repayment Schedule | PDF | | PDF | | PDF | | PDF |
MFT Pricing Calculation | PDF | | PDF | | PDF | | PDF |