2. FONCRESOL
Please note that the information you are viewing is 134 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 Fondo de Crédito Solidario Calle Quintin Barrios Nº 768 (Plaza España - Sopocachi), MurilloLa Paz, Bolivia5603
Data approved: 2013-08-16
Data version: 2
Age of data: 134 months
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.peap-foncresol.org
Year established1997
Head of InstitutionGustavo Diez de Medina Villarreal
Regions activeChuquisaca , Cochabamba , La Paz , Potosí, Tarija
# Branches5

Total Portfolio (nat'l)BOB 64,620,579
Total Portfolio (USD)USD 9,573,419.11
Active clients with loans3,909
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsFINRURAL, INAFI - LA
FundersMISEREOR, Programa Mundial de Alimentos - PMA, Obras Cardenal Leger - CLO, ACDI (Agencia Canadiense de Desarrollo Internacional)

Loan Products » Summary

Comunal
3,404 Borrowers
USD 1,285,406.06 Portfolio
Active Product
Individual
466 Borrowers
USD 8,032,746.36 Portfolio
Active Product
Solidario
39 Borrowers
USD 255,264.30 Portfolio
Low Volume 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
Banca Comunal BOB 2,500 - 9,500 6 - 18 60% - 80% 0% - 20% Business, Agriculture, Consumer Women, Men, Have business Credit Educ, Group Mtgs, Other Training, Insidencia Politica - Participación ciudadana, Derechos Humanos - Género
Individual USD 100 - 15,000 6 - 60 40% - 60% 60% - 80% Business, Agriculture, Consumer Women, Men, Have business

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Banca Comunal 24.0% annual, Decl Bal 0 Fees 1 Ins None 6.00% ongoing 23.8% - 24% 30.3% - 30.6% 79
Individual 9.0%-18.0% annual, Decl Bal 0 Fees 1 Ins None N/A 18.1% - 18.9% 18.7% - 18.9% 48
Institution Price Graph
Microloan Products offered in BOB0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeFONCRESOLInstitutionBO-021-V02-P01ProductBOCountry2013YearRange Number2Institution Data Version01,0002,0003,0004,0005,0006,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 30010010Number of Borrowers
Microloan Products offered in USD0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeFONCRESOLInstitutionBO-021-V02-P02ProductBOCountry2013YearRange Number2Institution Data Version01,0002,0003,0004,000Loan Size (all)0%5%10%15%20%Full APR (int fee ins tax dep)> 40203Number of Borrowers
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  2. OISL
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

Opportunity International Savings & Loans Ltd. P.O Box JT 323, Accra, GhanaNo. D765/3 Kwame Nkrumah AvenueAccra, Greater Accra233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
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Product

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Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 60,183
Portfolio (USD)USD 40,122
Active Clients with Loans59
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Simple repayment schedule\rNo collateral for some loans\rSalary loan\r
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 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 workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 200
Maximum loan size7,808
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx average14.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
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 interest0
Highest quoted nominal interest42.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionProcessing feeApplication fee
% of loan amount - min3.00%0
% of loan amount - max3.00%0
OR, Fixed amount - min03
Fixed amount - max03
Reason for variation
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
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?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00% - N/A
or, Fixed-amount deposited0 - N/A
Deposits DURING period payments
% loan amount deposited0 - N/A
or, Fixed-amount deposited0 - N/A
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid3.00%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No
Additional Comments
Compulsory savings of up to 1Ghana Cedis, earn an interest rate of 3% at the end of the term\r

Full Pricing Data

Salary Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountGHS 250GHS 768.67GHS 1,530.14GHS 3,600GHS 7,807.74
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2012-11-162012-10-102012-09-282012-06-142012-09-27
Loan Term (Months)16.0 months12.0 months12.0 months24.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component48.9%49.1%48.7%45.5%48.4%
Insurance Component1.7%2.2%2.2%1.2%2.2%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component9.9%10.2%10.1%8.3%10.0%
Full APR (int fee ins tax dep)60.5%61.5%61.0%54.9%60.6%
Transparency Index00000
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Salary Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.OtherInstitution TypeAnyLoan PurposeOISLInstitutionGH-036-V01-P03ProductGHCountry2011YearRange Number1Institution Data Version02,0004,0006,0008,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 1081Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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