| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.agrocapital.org.bo/ |
| Year established | 1992 |
| Head of Institution | Jorge Gonzalo Noda Miranda |
| Regions active | |
| # Branches | 16 |
| Total Portfolio (nat'l) | BOB 180,022,209 |
| Total Portfolio (USD) | USD 26,669,956.89 |
| Active clients with loans | 22,140 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | ASOFIN, ETIMOS |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Banca Comunal | BOB 300 - 12,000 | 4 - 8 | 60% - 80% | 80% - 100% | Any Purpose | Women, Men, Buenos antecedentes crediticios. Solvencia Moral., Los interesados deben ser mayores de edad no mayores a 65 años. | N/A | |||||||
| BOB 400 - 300,000 | 6 - 60 | 20% - 40% | 0% - 20% | Business, Housing, Para capital de Inversiones , Para capital de Operaciones | Women, Men, Have business | Credit Ins | ||||||||
| CRÉDITO DE CONSUMO (Asalariado) - USD | USD 1,000 - 2,000 | 12 - 24 | 20% - 40% | 0% - 20% | Any Purpose | Women, Men, Salaried worker, AntigàŒedad mínima de 1 año en trabajo. Buenos antecedentes personales y crediticios. | Credit Ins | |||||||
| Microcrédito Vivienda (USD) | USD 600 - 12,000 | 12 - 60 | 20% - 40% | 0% - 20% | Housing | Women, Men, Have business, Buenos antecedentes personales y crediticios. Actividad económica y financieramente viable. | Credit Ins | |||||||
| Plan Microcrédito I (Microcrédito Secuencial) | BOB 1,000 - 44,000 | 4 - 60 | 40% - 60% | 0% - 20% | Business, Housing | Women, Men, Have business, Good credit history , Owning profitable or sustainable business | Credit Ins | |||||||
| Plan Microcrédito I (Microcrédito Secuencial) (USD) | USD 195 - 12,000 | 6 - 60 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business, Buenos antecedentes personales y crediticios. Actividad económica y financieramente viable. | Credit Ins | |||||||
| Plan Microcrédito II (No Secuencial) | BOB 5,000 - 71,000 | 12 - 60 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business, Buenos antecedentes personales y crediticios. Actividad económica y financieramente viable. | Credit Ins | |||||||
| Plan Microcrédito II (No Secuencial) (USD) | USD 300 - 12,000 | 3 - 60 | 20% - 40% | 0% - 20% | Business | Women, Men, Have business, Buenos antecedentes personales y crediticios. Actividad económica y financieramente viable. | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Banca Comunal | 30.0% annual, Decl Bal | 0 Fees | 0 Ins | None | 10.0% upfront 20.00% ongoing | 30.7% - 30.8% | 47.8% - 48.6% | 62 | ||||||||
| 11.0%-21.5% annual, Decl Bal | 2 Fees | 0 Ins | 15.00% Principal | N/A | 18.4% - 23.3% | 18.5% - 23.4% | 53 | |||||||||
| CRÉDITO DE CONSUMO (Asalariado) - USD | 22.5%-26.0% annual, Decl Bal | 2 Fees | 0 Ins | 15.00% Principal | N/A | 25.8% | 26% | 87 | ||||||||
| Microcrédito Vivienda (USD) | 22.0%-30.0% annual, Decl Bal | 2 Fees | 0 Ins | 15.00% Principal | N/A | 24.9% - 32.2% | 25% - 32.3% | 75 | ||||||||
| Plan Microcrédito I (Microcrédito Secuencial) | 25.0%-32.0% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 32% - 34.4% | 32% - 34.4% | 75 | ||||||||
| Plan Microcrédito I (Microcrédito Secuencial) (USD) | 22.0%-35.8% annual, Decl Bal | 2 Fees | 0 Ins | 15.00% Principal | N/A | 26.9% - 31.3% | 27.1% - 31.6% | 72 | ||||||||
| Plan Microcrédito II (No Secuencial) | 24.5%-32.0% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 30% - 33.3% | 30% - 33.3% | 76 | ||||||||
| Plan Microcrédito II (No Secuencial) (USD) | 21.0%-30.0% annual, Decl Bal | 2 Fees | 0 Ins | 15.00% Principal | N/A | 24.9% - 31.3% | 25% - 31.5% | 75 |
| Outstanding portfolio (GHS) | GHS 37,000 |
| Portfolio (USD) | USD 18,781.73 |
| Active Clients with Loans | 4 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 80% - 100% |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| 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 | Either run business OR be salaried |
| Other (2) |
| # Regions for this institution | 1 |
| # Regions for this product | N/A |
| Regions Active |
| 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 ∞ | ||||||
