| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.fubode.org/ |
| Year established | 1995 |
| Head of Institution | Luis Fernando Torrez Ontivero |
| Regions active | Chuquisaca , Cochabamba , Oruro , Potosí, Santa Cruz, Tarija |
| # Branches | 18 |
| Total Portfolio (nat'l) | BOB 165,483,985 |
| Total Portfolio (USD) | USD 24,516,145.93 |
| Active clients with loans | 29,469 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Vision Fund International, FINRURAL |
| Funders | World Vision Suiza, World Vision Alemania, World Vision Estados Unidos, World Vision Canada |
| 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 |
| 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 |
| 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 ∞ | ||||||
