2. FUBODE
Please note that the information you are viewing is 131 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: 131 months
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.fubode.org/
Year established1995
Head of InstitutionLuis Fernando Torrez Ontivero
Regions activeChuquisaca , Cochabamba , Oruro , Potosí, Santa Cruz, Tarija
# Branches18

Total Portfolio (nat'l)BOB 165,483,985
Total Portfolio (USD)USD 24,516,145.93
Active clients with loans29,469
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsVision Fund International, FINRURAL
FundersWorld Vision Suiza, World Vision Alemania, World Vision Estados Unidos, World Vision Canada

Loan Products » Summary

Consumo
218 Borrowers
USD 122,050.81 Portfolio
Active Product
Asociativo
135 Borrowers
USD 372,356.05 Portfolio
Active Product
Comunal
21,944 Borrowers
USD 10,729,541.63 Portfolio
Active Product
Vivienda
544 Borrowers
USD 1,424,716.26 Portfolio
Active Product
Solidario
291 Borrowers
USD 79,444.99 Portfolio
Active Product
Indiv USD
1,142 Borrowers
USD 2,510,126.83 Portfolio
Active Product
Indiv BOB
5,195 Borrowers
USD 9,206,423.32 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Consumo BOB 1,500 - 8,000 6 - 24 40% - 60% 40% - 60% Any Purpose Women, Men Credit Ins
Credito Asociativo USD 4,500 - 30,600 18 - 48 20% - 40% 0% Business, Agriculture Women, Men, Have business
Grupo Comunal (Banco Comunal) BOB 200 - 14,500 4 - 9 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Other Training, Educacion No Financiera (Agua, Saneamiento, Manejo de Residuos Solidos)
Microcrédito de Vivienda USD 1,000 - 15,000 10 - 72 20% - 40% 20% - 40% Housing, No se puede usar para negocio Women, Men, Have business, Have home or land Credit Ins, Other Training, Asistencia Tecnica Constructiva
Microcrédito Grupo Solidario USD 700 - 5,000 8 - 24 40% - 60% 0% - 20% Business, Agriculture Women, Men, Have business Credit Educ, Credit Ins
Microcrédito Productivo Individual (USD) USD 150 - 15,000 4 - 60 40% - 60% 20% - 40% Business, Agriculture Women, Men, Have business Credit Ins
Microcrédito Productivo Individual (BOB) BOB 1,000 - 106,000 4 - 60 40% - 60% 20% - 40% Business, Agriculture Women, Men, Have business Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumo 30.0%-32.0% annual, Decl Bal 0 Fees 1 Ins None N/A 31.5% - 33.3% 32% - 33.7% 91
Credito Asociativo 15.0%-24.0% annual, Decl Bal 0 Fees 0 Ins None N/A 24.1% - 24.2% 24.1% - 24.2% 62
Grupo Comunal (Banco Comunal) 30.0%-36.0% annual, Decl Bal 1 Fee 1 Ins None 10.0% upfront 10.00% ongoing 37.2% - 38% 55.2% - 56.9% 53
Microcrédito de Vivienda 16.0%-30.0% annual, Decl Bal 0 Fees 1 Ins None N/A 19.8% - 29.5% 20.3% - 30% 65
Microcrédito Grupo Solidario 20.0%-33.6% annual, Decl Bal 0 Fees 1 Ins None N/A 22.1% - 24.1% 22.6% - 24.5% 84
Microcrédito Productivo Individual (USD) 18.0%-34.0% annual, Decl Bal 0 Fees 1 Ins None N/A 22.1% - 30.6% 22.6% - 31% 60
Microcrédito Productivo Individual (BOB) 18.0%-34.0% annual, Decl Bal 0 Fees 1 Ins None N/A 24.2% - 26.4% 24.6% - 26.8% 62
Institution Price Graph
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  2. KADET
Please note that the information you are viewing is 142 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Kenya Agency for Development & Enterprise Technology P.O. Box 1676Nairobi
Data approved: 2013-06-25
Data version: 2
Age of data: 142 months
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Product

Business Loan Product 2 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (KES)KES 383,487,427
Portfolio (USD)USD 4,631,490.66
Active Clients with Loans11,801
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Loan for clients in both rural and urban areas. This category of loans covers a wide ranges of types of uses.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
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
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution7
# Regions for this product7
Regions ActiveCentral, Coast, Eastern, Nairobi, Nyanza, Rift Valley, Western

Loan Conditions

Loan Amount
CurrencyKES
Minimum loan sizeKES 3,000
Maximum loan size3,000,000
Distribution at Disbursement (Est.)
Loans less than KES 50,00030%
KES 50,000-150,00040%
KES 150,000-250,00015%
KES 250,000-350,00010%
KES 350,000-450,0005%
Greater than KES 450,0005%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months30%
Between 7 and 9 months30%
Between 10 and 12 months30%
Between 13 and 18 months5%
Longer than 18 months5%
Grace Period
Grace period usage100%
Average grace period1.0 month
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 interest18.00%
Highest quoted nominal interest22.00%
Reason(s) why interest rate variesTime as Client
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Application Fee
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionAnnual Loan Protection Fee
% of loan amount - min1.20%
% of loan amount - max1.20%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaUpfront: Sol group loans =20%. Individual loans =30%.
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00% - 30.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedKES 400
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

Business Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountKES 10,000KES 30,000KES 52,000KES 106,000KES 500,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-04-112013-05-142013-06-102013-06-102013-04-26
Loan Term (Months)6.0 months6.0 months12.0 months18.0 months24.0 months
Grace Period (Months)0.1 months-0.1 months0.0 months0.1 months0.1 months
Total Cost of CreditKES 1,520KES 4,560KES 11,544KES 35,139KES 246,999.67
True Price by Comp         
Interest price component35.3%36.7%31.0%31.6%36.9%
Fee Component10.5%10.9%5.8%4.1%3.3%
Insurance Component4.3%4.5%2.4%3.4%2.7%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component41.0%31.8%24.6%21.7%19.3%
Full APR (int fee ins tax dep)91.1%83.9%63.8%60.8%62.2%
Transparency Index2021283029
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Business Loan Price Graphs


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