2. FUBODE
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
  2. Zamuka
Please note that the information you are viewing is 143 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Fundación Boliviana Para el Desarrollo Calle Antezana No 216 entre Colombia, CercadoCochabamba, Bolivia
Data approved: 2013-08-20
Data version: 2
Age of data: 130 months
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Institution

COOPEC ZAMUKA Kicukiro-Centre,Secteur Gatenga, District KicukiroKigaliPO Box 6401
Data approved: 2012-11-01
Data version: 2
Age of data: 143 months
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Product

Grupo Comunal (Banco Comunal) Product 3 of 7 « Prev | Next »

Product

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Product Summary

Number borrowers21,944
Loan Amount (range)BOB 200 - 14,500
Loan Term (range)4 - 9
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Other Training, Educacion No Financiera (Agua, Saneamiento, Manejo de Residuos Solidos)
Annual Interest & Method30.0%-36.0% annual, Decl Bal
Fees0.50% upfront
Insurance0.16%-0.36% ongoing
TaxNone
Comp Dep10.0% upfront 10.00% ongoing
Range of pricing 
Interest Price Component19.8% - 36.7%
Fee Component0 - 1.5%
Insurance Component0 - 0.5%
Tax Component Range0
Full APR (int fee ins tax dep)55.2% - 56.9%
Transparency Index (min/max)52 - 94
Transparency Index (average)53

Product Summary

95
RWF 100,000 - 1,600,000
1 - 24
Credit Educ, Credit Ins, Tech Asst Visits, Business Training
24.00% annual, Flat
2 fees
None
None
10.00% upfront
 
39.2% - 41.0%
6.0% - 10.7%
0
0
55.8% - 59.5%
40 - 43
42

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 72,424,406
Portfolio (USD)USD 10,729,541.63
Active Clients with Loans21,944
Approximate % Female Clients80% - 100%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Modalidad de crédito direccionado preferentemente a mujeres microempresarias organizadas bajo el enfoque de garantia solidaria mancomunada é indivisible,
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 insurancex
Workplace visits
Business training
Other trainingx
OtherEducacion No Financiera (Agua, Saneamiento, Manejo de Residuos Solidos)
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 ActiveChuquisaca , Cochabamba , Oruro , Potosí, Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 29,276,392
Portfolio (USD)USD 46,470
Active Clients with Loans95
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This is an individual loan product that can be used for many purposes.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
Business trainingx
Other training
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
OtherMust own a guarantee
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveKicukiro

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 200
Maximum loan size14,500
Distribution at Disbursement (Est.)
Loans less than BOB 10,00090%
BOB 10,000-40,00010%
BOB 40,000-70,0000
BOB 70,000-100,0000
BOB 100,000-125,0000
Greater than BOB 125,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term9.0 months
Approx average7.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months90%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeksx
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 100,000
Maximum loan size1,600,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,00040%
RWF 500,000-1,500,00050%
RWF 1,500,000-2,500,00010%
RWF 2,500,000-3,500,0000
RWF 3,500,000-4,500,0000
Greater than RWF 4,500,0000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term24.0 months
Approx average8.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months70%
Between 10 and 12 months5%
Between 13 and 18 months0
Longer than 18 months20%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
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 interest30.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesTime as Client, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionReposicion de Formularios
% of loan amount - min0.50%
% of loan amount - max0.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionEl Cliente Seguro de Vida
% of loan amount - min0.16%
% of loan amount - max0.36%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationLa comisión es 0.04% mensual cargado sólo al saldo del préstamo pendiente.
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited10.00%
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest2.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionCommission FeeFrais d'Etudes du Dossiers
% of loan amount - min2.00%1.00%
% of loan amount - max2.00%1.00%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
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%
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 paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Grupo Comunal (Banco Comunal) samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountBOB 500BOB 3,000BOB 5,000BOB 7,500BOB 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-11-292013-11-292013-11-302013-11-252013-11-25
Loan Term (Months)7.0 months7.0 months7.0 months9.0 months9.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditBOB 67.49BOB 406.77BOB 677.67BOB 1,280.53BOB 1,708.39
True Price by Comp         
Interest price component35.7%35.7%36.0%36.7%36.7%
Fee Component1.5%1.5%1.5%1.3%1.3%
Insurance Component0.5%0.5%0.5%0.4%0.4%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component18.0%17.5%17.8%18.5%18.4%
Full APR (int fee ins tax dep)55.7%55.2%55.8%56.9%56.8%
Transparency Index5454545353
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Individual Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountRWF 100,000RWF 250,000RWF 500,000RWF 1,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-08-112012-04-202012-05-072012-06-27
Loan Term (Months)6.0 months12.0 months12.0 months12.0 months
Grace Period (Months)1.0 month1.0 month1.0 month1.0 month
Total Cost of CreditRWF 15,000RWF 67,500RWF 135,000RWF 270,000
True Price by Comp       
Interest price component39.2%40.9%40.8%41.0%
Fee Component10.7%6.0%6.0%6.0%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component9.6%9.1%9.0%9.0%
Full APR (int fee ins tax dep)59.5%56.0%55.8%56.0%
Transparency Index40434343
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Grupo Comunal (Banco Comunal) Price Graphs


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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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