Fundacion Boliviana Para El Desarrollo De La Mujer - MFTransparency.org Truth In Lending Tables

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

Fundacion Boliviana Para El Desarrollo De La Mujer Calle Rene Moreno # 476Santa Cruz

Data approved: 2013-10-10

Data version: 2

Age of data: 131 months

Download Data

Analyze Data

Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	N/A
Year established	1987
Head of Institution	A. Pablo Nuñez Quiroga
Regions active	Beni , Santa Cruz
# Branches	11

Total Portfolio (nat'l)	BOB 108,376,975
Total Portfolio (USD)	USD 16,055,848.15
Active clients with loans	8,006
Approximate % female clients	40% - 60%
Approximate % urban clients	60% - 80%
Network affiliations	WomenŽs World Banking, FINRURAL
Funders

Loan Products » Summary

Asalariado

1,074 Borrowers

USD 758,509 Portfolio

Active Product

Asociativo

499 Borrowers

USD 707,278 Portfolio

Active Product

Independent

5,711 Borrowers

USD 8,694,847 Portfolio

Active Product

Linea Agil

105 Borrowers

USD 555,615.02 Portfolio

Active Product

Oportuno

558 Borrowers

USD 301,219.66 Portfolio

Active Product

Transporte

466 Borrowers

USD 1,736,926.16 Portfolio

Active Product

Mipe

173 Borrowers

USD 3,032,103.92 Portfolio

Active Product

Temporada

46 Borrowers

USD 8,777.84 Portfolio

Low Volume Product

Estodios

8 Borrowers

USD 3,120.67 Portfolio

Low Volume Product

Microwarrant

Retired Product

Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Asalariado	USD 50 - 5,000	4 - 36	20% - 40%	60% - 80%	Consumer	Women, Men, Salaried worker	Credit Ins
Asociativo	USD 50 - 2,000	12 - 36	0% - 20%	80% - 100%	Business	Women, Men, Have business, Estar afiliado a una asociacion	Credit Ins
Independiente	USD 50 - 15,000	6 - 48	60% - 80%	20% - 40%	Business, Agriculture	Women, Men, Have business	Credit Ins
Linea Agil	USD 500 - 25,000	3 - 48	20% - 40%	40% - 60%	Business	Women, Men, Have business	Credit Ins
Oportuno	USD 50 - 1,000	3 - 18	60% - 80%	20% - 40%	Business	Women, Men, Have business	Credit Ins
Transporte	USD 500 - 25,000	6 - 48	20% - 40%	60% - 80%	Business	Women, Men, Debe estar afiliado a alguna asociacion, cooperativa y /o Sindicato de transporte.	Credit Ins
Mipe	USD 15,001 - 25,000	6 - 48	20% - 40%	40% - 60%	Business	Women, Men, Have business	Credit Ins

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Asalariado	29.0%-36.0% annual, Decl Bal	1 Ins	None	N/A	30% - 34.9%	30.9% - 35.7%	77
Asociativo	20.0%-36.0% annual, Decl Bal	1 Ins	None	N/A	20.1% - 36%	20.8% - 36.7%	68
Independiente	20.0%-36.0% annual, Decl Bal	1 Ins	None	N/A	20.1% - 35.9%	20.8% - 36.6%	69
Linea Agil	18.0%-36.0% annual, Decl Bal	1 Ins	None	N/A	19.8% - 32%	20.5% - 32.7%	68
Oportuno	32.0%-36.0% annual, Decl Bal	1 Ins	None	N/A	32% - 35.9%	32.6% - 36.6%	87
Transporte	18.0%-36.0% annual, Decl Bal	1 Ins	None	N/A	19.1% - 26.1%	19.8% - 26.7%	77
Mipe	19.0%-21.0% annual, Decl Bal	1 Ins	None	N/A	20.1% - 21.1%	20.8% - 21.8%	89

Institution Price Graph

Click to view Price Analysis Tool

Please note that the information you are viewing is 136 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Mbinga Community Bank Ltd Head QuartersMbinga, RuvumaPO Box 290

Data approved: 2013-03-20

Data version: 2

Age of data: 136 months

Download Data

Analyze Data

Product

Solidarity Group Loan Product 3 of 3 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (TZS)	TZS 2,695,147,796
Portfolio (USD)	USD 1,695,061.51
Active Clients with Loans	882.70
Approximate % Female Clients	40% - 60%
Approximate % Urban Clients	20% - 40%

Methodology

Individual	x
Solidarity group	x
Village banking
Self help group
Other

Description

Provides capital requirements for individuals organized in groups. Can be used for business or agricultural purposes.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture	x
Education
Other household finance
Other
Other (2)

Included Services

Credit education	x
Group meetings	x
Credit insurance	x
Workplace visits	x
Business training	x
Other training
Other
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other	Must run agricultural activities or business
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	1
# Regions for this product	1
Regions Active	Ruvuma

Loan Conditions

Loan Amount

Currency	TZS
Minimum loan size	TZS 500,000
Maximum loan size	3,500,000

Distribution at Disbursement (Est.)

Loans less than TZS 350,000	0
TZS 350,000-1,250,000	40%
TZS 1,250,000-2,000,000	20%
TZS 2,000,000-3,000,000	20%
TZS 3,000,000-4,000,000	20%
Greater than TZS 4,000,000	20%

Loan Term and Grace Period

Shortest loan term	1.0 month
Longest loan term	12.0 months
Approx average	6.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	40%
Between 4 and 6 months	20%
Between 7 and 9 months	30%
Between 10 and 12 months	10%
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	10.00%
Highest quoted nominal interest	30.00%
Reason(s) why interest rate varies	Loan Purpose, Agricultural loan interest is 10% p.a. Business loan interest is 30% p.a
Interest rate period	Yearly
Interest Rate Calculation Method	Flat
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1	Fee 2
Description	Loan Application Fee	Legal Set Up Fee
% of loan amount - min	1.50%	2.00%
% of loan amount - max	1.50%	2.00%
OR, Fixed amount - min	0	0
Fixed amount - max	0	0
Reason for variation	N/A	N/A
Appears on Repayment Sched?	No	Yes

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Loan insurance
% of loan amount - min	1.00%
% of loan amount - max	2.50%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	Loan term of 1-6months is 1%. Loans above 6-12months 2.5% rate may apply.
Appears on Repayment Sched?	No

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?	No
Do borrowers control deposit in their group?	Yes

Deposit BEFORE or AT Disbursement

% loan amount deposited	30.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	TZS 10,000
Conditions on access to deposit	Access During

Interest Paid on Deposit

Minimum interest rate paid	3.50%
Maximum interest rate paid	3.50%
Interest payment frequency	End Term

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Solidarity Group Loan samples

	Sample 1	Sample 2	Sample 3	Sample 4
Loan Amount	TZS 450,000	TZS 1,075,000	TZS 2,000,000	TZS 3,000,000
Loan Cycle (1, 2, 3, etc)	1	1	1	1
Disbursement Date	2013-01-09	2013-02-08	2013-02-23	2013-01-09
Loan Term (Months)	11.0 months	5.0 months	11.0 months	11.0 months
Grace Period (Months)	10.1 months	-1.0 months	-1.0 months	10.1 months
Total Cost of Credit	TZS 62,000	TZS 220,375.02	TZS 696,666.60	TZS 413,330
True Price by Comp
Interest price component	10.1%	75.8%	61.8%	10.1%
Fee Component	4.1%	19.1%	8.9%	4.1%
Insurance Component	1.2%	5.6%	2.6%	1.2%
Tax Component	0.0%	0.0%	0.0%	0.0%
Deposit Component	12.1%	142.4%	82.4%	7.5%
Full APR (int fee ins tax dep)	27.5%	242.9%	155.7%	22.9%
Transparency Index	36	4	6	44

Original Repayment Schedule	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF

Solidarity Group Loan Price Graphs

Click to view Price Analysis Tool

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

	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 ∞

Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » Pricing Information

Institution Price Graph

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Solidarity Group Loan samples

Solidarity Group Loan Price Graphs

Total Borrowers of Samples

Learn More

MFTransparency News

Explore Resources