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. Wisigara
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

Union des CLECAM Wisigara RubavuGisenyi, Western RwandaPO Box 588
Data approved: 2012-11-07
Data version: 2
Age of data: 143 months
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Product

Microcrédito de Vivienda Product 4 of 7 « Prev | Next »

Product

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Product Summary

Number borrowers544
Loan Amount (range)USD 1,000 - 15,000
Loan Term (range)10 - 72
Other Services (text summary)Credit Ins, Other Training, Asistencia Tecnica Constructiva
Annual Interest & Method16.0%-30.0% annual, Decl Bal
FeesNone
Insurance0.40%-2.88% ongoing
TaxNone
Comp DepN/A
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)20.3% - 30.0%
Transparency Index (min/max)52 - 94
Transparency Index (average)65

Product Summary

76
RWF 100,000 - 2,000,000
3 - 12
Credit Educ, Business Training, Education Finance
24.00%-60.00% annual, Decl Bal
2 fees
0.08%-2.32% upfront
None
20.00% upfront
 
17.6% - 57.8%
2.1% - 20.3%
0.3% - 0.7%
0
42.5% - 110.7%
22 - 80
35

Product Details

Key Statistics
Outstanding portfolio (USD)USD 1,424,716.26
Portfolio (USD)USD 1,424,716.26
Active Clients with Loans544
Approximate % Female Clients20% - 40%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Modalidad de Crédito direccionado para financiar la construcción, mejoramiento o ampliacion de la vivienda
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
OtherNo se puede usar para negocio
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other trainingx
OtherAsistencia Tecnica Constructiva
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
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 119,052,448
Portfolio (USD)USD 186,019.45
Active Clients with Loans76
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
All other types of credit, combination of public works loans, transport, communications, etc.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business trainingx
Other training
OtherEducation Finance
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
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 product7
Regions ActiveBurera, Gakenke, Musanze, Ngororero, Nyabihu, Rubavu, Rutsiro

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 1,000
Maximum loan size15,000
Distribution at Disbursement (Est.)
Loans less than USD 1,5005%
USD 1,500-5,00060%
USD 5,000-10,00030%
USD 10,000-15,0005%
USD 15,000-18,0000
Greater than USD 18,0000
Loan Term and Grace Period
Shortest loan term10.0 months
Longest loan term72.0 months
Approx average40.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months5%
Between 13 and 18 months5%
Longer than 18 months90%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 monthsx
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 100,000
Maximum loan size2,000,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,00020%
RWF 500,000-1,500,00040%
RWF 1,500,000-2,500,00040%
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 term3.0 months
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months30%
Between 7 and 9 months20%
Between 10 and 12 months50%
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 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest16.00%
Highest quoted nominal interest30.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Collateral, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
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 - min0.40%
% of loan amount - max2.88%
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 forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest5.00%
Reason(s) why interest rate variesLoan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionCommissionPaper Fee
% of loan amount - min2.00%0
% of loan amount - max2.00%0
OR, Fixed amount - min01,500
Fixed amount - max01,500
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance
% of loan amount - min0.08%
% of loan amount - max2.32%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationDepends on client age & loan term
Appears on Repayment Sched?No
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 deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Microcrédito de Vivienda samples
Sample 1Sample 2Sample 3
Loan AmountUSD 3,000USD 3,550USD 5,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-09-102013-12-152014-04-01
Loan Term (Months)18.0 months24.0 months37.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditUSD 624.98USD 1,229.61USD 1,578.67
True Price by Comp     
Interest price component24.2%29.5%19.8%
Fee Component0.0%0.0%0.0%
Insurance Component0.4%0.5%0.5%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)24.6%30.0%20.3%
Transparency Index655379
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Others Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountRWF 120,000RWF 200,000RWF 500,000RWF 1,300,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-07-102012-11-122012-10-152012-08-01
Loan Term (Months)3.1 months3.1 months6.0 months15.0 months
Grace Period (Months)1.0 month3.1 months1.0 month1.0 month
Total Cost of CreditRWF 16,035RWF 29,725RWF 47,344RWF 238,425
True Price by Comp       
Interest price component57.8%45.0%23.7%23.7%
Fee Component20.3%11.1%8.3%3.6%
Insurance Component0.7%0.4%0.6%0.3%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component31.9%13.5%16.2%14.9%
Full APR (int fee ins tax dep)110.7%70.0%48.8%42.5%
Transparency Index22344957
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
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Key Statistics
# Samples:
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# 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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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