Number borrowers | 3,404 |
Loan Amount (range) | BOB 2,500 - 9,500 |
Loan Term (range) | 6 - 18 |
Other Services (text summary) | Credit Educ, Group Mtgs, Other Training, Insidencia Politica - Participación ciudadana, Derechos Humanos - Género |
Annual Interest & Method | 24.0% annual, Decl Bal |
Fees | None |
Insurance | 0.32%-0.95% ongoing |
Tax | None |
Comp Dep | 6.00% ongoing |
Range of pricing | |
Interest Price Component | 18.1% - 24.0% |
Fee Component | 0 - 0.7% |
Insurance Component | 0 - 0.7% |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 30.3% - 30.6% |
Transparency Index (min/max) | 48 - 79 |
Transparency Index (average) | 79 |
52,471 |
USD 350 - 1,800 |
4 - 6 |
Credit Educ, Group Mtgs, Business Training, Other Training |
24.3%-26.8% annual, Flat |
None |
None |
None |
10.0% upfront |
N/A |
24.7% - 27.6% (Int+Fee) |
0 |
0 |
30.1% - 34.0% |
71 - 101 |
73 |
Outstanding portfolio (BOB) | BOB 8,676,490.87 |
Portfolio (USD) | USD 1,285,406.06 |
Active Clients with Loans | 3,404 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
Solidarity group | |
Village banking | x |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | x |
Agriculture | x |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | x |
Other | Insidencia Politica - Participación ciudadana |
Other (2) | Derechos Humanos - Género |
No other services |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 5 |
# Regions for this product | 2 |
Regions Active | Chuquisaca , Potosí |
Outstanding portfolio (USD) | USD 13,907,941 |
Portfolio (USD) | USD 13,907,941 |
Active Clients with Loans | 52,471 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 40% - 60% |
Individual | |
Solidarity group | |
Village banking | x |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | |
Workplace visits | |
Business training | x |
Other training | x |
Other | |
Other (2) | |
No other services |
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 | Hombres solo si representan el 20% del total de miembros de grupo |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Currency | BOB |
Minimum loan size | BOB 2,500 |
Maximum loan size | 9,500 |
Loans less than BOB 10,000 | 100% |
BOB 10,000-40,000 | 0 |
BOB 40,000-70,000 | 0 |
BOB 70,000-100,000 | 0 |
BOB 100,000-125,000 | 0 |
Greater than BOB 125,000 | 0 |
Shortest loan term | 6.0 months |
Longest loan term | 18.0 months |
Approx average | 11.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 10% |
Between 10 and 12 months | 80% |
Between 13 and 18 months | 10% |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | x |
Irregular payments |
Currency | USD |
Minimum loan size | USD 350 |
Maximum loan size | 1,800 |
Shortest loan term | 4.0 months |
Longest loan term | 6.0 months |
Approx average | 5.0 months |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | x |
Every 4 weeks | |
Monthly | |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 24.00% |
Highest quoted nominal interest | 24.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Ins 1 | |
---|---|
Description | Seguro de desgravamen |
% of loan amount - min | 0.32% |
% of loan amount - max | 0.95% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | Se cobra mensualmente el 0.0525% sobre el saldo del capital |
Appears on Repayment Sched? | Yes |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | Yes |
Do borrowers control deposit in their group? | No |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 6.00% |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | End Term |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Lowest quoted nominal interest | 24.33% |
Highest quoted nominal interest | 26.77% |
Reason(s) why interest rate varies | Loan term |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | Yes |
Do borrowers control deposit in their group? | Yes |
% loan amount deposited | 10.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit |
Minimum interest rate paid | 0 |
Maximum interest rate paid | 0 |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | BOB 2,500 | BOB 5,000 | BOB 6,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2013-12-19 | 2014-02-14 | 2014-02-13 | ||
Loan Term (Months) | 6.0 months | 10.0 months | 12.0 months | ||
Grace Period (Months) | 0.0 months | -0.1 months | -0.1 months | ||
Total Cost of Credit | BOB 179.59 | BOB 585.31 | BOB 836.68 | ||
True Price by Comp | |||||
Interest price component | 23.8% | 24.0% | 23.9% | ||
Fee Component | 0.0% | 0.0% | 0.0% | ||
Insurance Component | 0.6% | 0.6% | 0.7% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 5.9% | 6.0% | 5.9% | ||
Full APR (int fee ins tax dep) | 30.3% | 30.6% | 30.5% | ||
Transparency Index | 79 | 79 | 79 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | USD 440 | USD 440 | USD 1,000 | USD 1,100 | |||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
Disbursement Date | 2010-08-04 | 2010-06-14 | 2010-07-01 | 2010-06-09 | |||
Loan Term (Months) | 4.0 months | 4.0 months | 5.0 months | 5.0 months | |||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||
Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | |||
True Price by Comp | |||||||
Interest and Fee Component | 24.7% | 27.6% | 27.5% | 27.5% | |||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Deposit Component | 5.4% | 6.4% | 6.5% | 6.5% | |||
Full APR (int fee ins tax dep) | 30.1% | 34.0% | 34.0% | 34.0% | |||
Transparency Index | 81 | 72 | 71 | 71 | |||
Original Repayment Schedule | |||||||
MFT Pricing Calculation |
Key Statistics | |
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# 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 |
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