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Institution
Data approved: 2010-10-28
Data version: 1
Age of data: - months
Key Statistics
Outstanding portfolio (BOB) | BOB 9,025,655 |
Portfolio (USD) | USD 1,317,613.87 |
Active Clients with Loans | 4,076 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 0% - 20% |
Methodology
Individual | |
Solidarity group | |
Village banking | x |
Self help group | |
Other | |
Description
Créditos de libre disponibilidad con ahorro y transferencia de capacidades (educación) otorgados en escalas o ciclos a través de grupos solidarios con garantía solidaria y mancomunada de sus miembros preferentemente mujeres.
Loan Purpose
Any purpose | x |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) | |
Included Services
Credit education | x |
Group meetings | x |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | |
Other | Insidencia Politica - Participación ciudadana |
Other (2) | Derechos Humanos - Género |
No other services | |
Eligibility
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) | |
Portfolio Size by Product
Geographic Coverage
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active | |
Loan Conditions
Loan Amount
Currency | BOB |
Minimum loan size | BOB 800 |
Maximum loan size | 5,000 |
Loan Term and Grace Period
Shortest loan term | 6.0 months |
Longest loan term | 12.0 months |
Approx average | 10.0 months |
Grace Period
Grace period usage | 0 |
Average grace period | 0 |
Repayment Frequency
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | x |
Irregular payments | |
Pricing Information
Interest
Lowest quoted nominal interest | 30.00% |
Highest quoted nominal interest | 30.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | N/A |
Is rate fixed for entire loan term | Yes |
Upfront Fees
This product has no upfront feesOngoing Fees
This product has no ongoing feesUpfront Insurance Fees
This product has no upfront insurance feesOngoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
Deposit BEFORE or AT Disbursement
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Deposits DURING period payments
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Interest Paid on Deposit
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Taxes
Are taxes charged on this product? | No |
Additional Comments
Los pagos son a vencimiento final, sin embargo pueden realizar pagos a capital cuando tengan la disponibilidad de hacerlo.
Full Pricing Data
Banca Comunal samples
| Sample 1 | | Sample 2 | | Sample 3 |
---|
Loan Amount | BOB 1,000 | | BOB 2,400 | | BOB 3,000 |
Loan Cycle (1, 2, 3, etc) | Not Known | | Not Known | | Not Known |
Disbursement Date | 2010-06-18 | | 2010-07-21 | | 2010-06-02 |
Loan Term (Months) | 10.0 months | | 10.0 months | | 12.0 months |
Grace Period (Months) | 0.0 months | | 0.0 months | | 0.0 months |
Total Cost of Credit | Not Known | | Not Known | | Not Known |
True Price by Comp | | | | | |
Interest and Fee Component | 30.0% | | 30.0% | | 30.0% |
Insurance Component | 0.0% | | 0.0% | | 0.0% |
Tax Component | 0.0% | | 0.0% | | 0.0% |
Deposit Component | 0.0% | | 0.0% | | 0.0% |
Full APR (int fee ins tax dep) | 30.0% | | 30.0% | | 30.0% |
Transparency Index | 100 | | 100 | | 100 |
| | | | | |
Original Repayment Schedule | PDF | | PDF | | PDF |
MFT Pricing Calculation | PDF | | PDF | | PDF |
Banca Comunal Price Graphs